Kevin Howard is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ designation and has previously worked at Avantax Investment Services Inc. and Avantax Advisory Services, alongside managing his own CPA and financial planning practices since 1996. Outside of his advisory work, he serves as treasurer for Columbia Pro Cantare, a nonprofit community choral organization, and the Conscious Business Association of Maryland, a nonprofit focused on business leadership education. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across multiple program structures.

Austin Miller is a financial advisor at Equitable Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Vicus Capital, Partners Financial Group, Penn Mutual, and Cetera Advisor Networks. Outside of his advisory work, he was involved in his family's farm business for six years. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes both in-house and third-party advisory models and provides ERISA fiduciary services through credentialed representatives.

Jordan Braverman is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and entering his first year in the industry. His prior experience includes positions at James Madison University and involvement with La Food Marketa. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm employs a network of Investment Adviser Representatives and offers access to both firm-offered and third-party advisory programs.

Richard Vert Jr. is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 designation and having 26 years of industry experience. His career includes roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated prior to joining Morgan Stanley in 2009. He has been with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Victoria Walker is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at Raymond James Financial Services Advisors, Inc. since 2019 and previously spent seven years with Wells Fargo Clearing. Walker also serves as Acting Branch Manager at Merriweather Money Management, LLC, where she manages daily branch operations and oversees compliance and business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm utilizes risk profiling and analytical modeling to tailor its non-discretionary planning and encourages implementation through its advisory programs and other providers.

Gregory Papa is a Private Wealth Advisor at Merrill Private Wealth Management and a co-leader of Jacobs, Papa & Associates. He holds dual roles as a Private Wealth Advisor and a Merrill Institutional Consultant, positions that require specialized training and accreditation. Greg has been with Merrill since 2003 and carries twenty years of industry experience, having started his career in 2000 at FX All, an institutional electronic currency trading platform. Greg applies his expertise in capital markets to craft customized financial strategies tailored to the individual objectives, risk tolerances, and liquidity needs of his high-net-worth clients. His responsibilities include evaluating external investment managers, constructing portfolios, performing asset allocation using traditional and alternative investments, managing risk, and developing hedging strategies. He is a qualified Portfolio Manager able to provide discretionary management services through the firm's Investment Advisory Program. Greg earned a Bachelor's degree in Finance from Georgetown University and holds the Certified Investment Management Analyst (CIMA) designation. He is involved with philanthropic organizations such as Make A Wish, Catholic Charities, and WINNERS Lacrosse. Greg resides in Bethesda, Maryland, with his family and maintains personal interests in baseball, cooking, fishing, football, golfing, reading, running, skiing, and travel.

John Cockrell is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. His prior roles include positions at Merrill, Santander Securities, and Charles Schwab. Outside of advising, he is also licensed to sell fixed insurance products such as life insurance, annuities, and long-term care. Cetera Investment Advisers LLC operates a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with discretionary and non-discretionary programs.

Jacob Keller is a Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch after graduating cum laude from Penn State University's Smeal College of Business with a degree in Finance. He began his career with the firm as an intern and transitioned to a full-time advisory role following graduation, progressing through the advisor development program. Jacob holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Wealth Management Advisor (AWMA) designations, as well as a Personal Investment Advisor (PIA) designation. He focuses on providing thoughtful and personalized wealth management services, assisting individuals and families with complex financial decisions. His areas of expertise include education planning, executive and equity compensation services, family wealth management strategies, liquidity management, retirement income, tax minimization, and portfolio management. Residing in the Dupont Circle neighborhood of Washington, DC, Jacob pursues various recreational interests including biking, swimming, running, hiking, and traveling to explore new countries and cultures.

Kelly Kreis is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked at Thrivent Financial and Wells Fargo in various capacities since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without managing discretionary portfolios for institutional clients.

Stanley Omosa is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously spent eight years at MassMutual. Outside of advising, he serves in a guardianship role for a child, dedicating a few hours monthly to this responsibility. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Nicholas Mamakos is currently serving as a Branch Leader at Fidelity Investments, a position he has held since 2025. In this role, he leads a team that prioritizes building relationships and assisting clients, reflecting his longstanding focus in the financial services industry. Prior to his current role, Nicholas was a Registered Team Manager at Merrill from 2018 to 2025. His career has been centered on fostering strong client relationships and supporting his team in delivering financial services aligned with these values.

Bryce Joyner is a financial advisor at Wells Fargo Advisors with Series 66 credentials and one year of industry experience. Prior to joining Wells Fargo Advisors, he worked at Walmart and KFC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services that include specialized areas such as business-owner transition and special-needs analysis. Advisors at the firm use Wells Fargo’s research and planning tools to develop tailored recommendations delivered through meetings and written summaries.

Andrew Seested is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has worked at firms including Truist Wealth, Wells Fargo Bank, BNY Mellon Wealth Management, PNC Wealth Management, UBS Financial Services, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Rebecca Blaschak is a CFP® professional with six years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She previously worked at Buttonwood Financial Advisors, Inc. for five years and has experience in a small business setting with Sofi's Crepes. In addition to her advisory role, she holds relationship management positions at Lee, Sipe and Associates and Serving Those Who Serve. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses a tailored, non-discretionary approach supported by analytical tools and offers specialized programs such as municipal and public finance advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

John Kunisch is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at W&S Brokerage Services, Western and Southern Life, and Spark Investments LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios.

Antonio Da Costa is a financial advisor at Edward Jones with a Series 66 designation and experience working at Morgan Stanley and New Day Financial. He has been with Edward Jones since 2026. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and affiliated investment products.

Brandon Mahler is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Clearing Services LLC and Ameriprise Financial Services, Inc. He has a private wealth advisory business, Mahler Private Wealth Inc. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services with a broad range of planning offerings tailored to clients meeting a net-worth threshold.

Michael Heigh Jr. is a Series 66-credentialed financial advisor with Edward Jones, based in Columbia, MD. He has nine years of industry experience and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a large nationwide network of advisors and branch offices.

Kimberly Herman is a financial advisor at LPL Financial with 29 years of industry experience. She has worked at LPL Financial since 2003 and previously spent six years at Citigroup Global Markets. She holds Series 63 and Series 65 licenses. Outside of her advisory work, she serves on the board of a non-profit organization focused on women and family development. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology and a broad array of financial products.