Tammy Pan is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2018, following prior roles at Suntrust Advisory Services, Suntrust Investment Services, and Panco Realty Company. 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. The firm offers model-based and discretionary investment strategies supported by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gregory Nerantzis Jr. is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Merrill since 2009 and also has a 15-year tenure at Bank of America. Outside of his advisory work, he serves as Chairperson for stewardship and the church renovation fund at Saints Peter & Paul Greek Orthodox Church in Frederick, MD. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, delivering model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutions.

Sean Zawodny is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and previously worked at Vector Solutions and Everfi. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Elle Wong is a Series 66-licensed financial advisor with UBS Financial Services in Bethesda, MD, bringing 19 years of industry experience. She has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research, custody, underwriting, and capital markets solutions.

Robert Ni is a Financial Advisor with Merrill Lynch Wealth Management. He offers a comprehensive approach to wealth management, drawing on his background from a family of business owners to assist clients in managing both personal and business finances. Robert focuses on creating personalized wealth management strategies that align with clients' values and financial goals. He specializes in simplifying clients' financial lives by addressing questions related to retirement planning, investment strategies, asset preservation, business continuity, and wealth transfer. Robert utilizes a structured financial stress test process to help clients understand their financial situations and plan accordingly. Robert holds a Bachelor's Degree from the University of Pittsburgh and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). In addition to his professional work, he participates in community volunteering and enjoys basketball, pickleball, and spending time with his family.

Sean Romero is a financial advisor with Charles Schwab in Reston, VA, holding a Series 66 designation and 10 years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2021, and previously at Wells Fargo Clearing and WELLS FARGO Advisors, LLC from 2016 to 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment options, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Shovgi Novruz is an Investment Consultant currently working at Fidelity Investments, a position held since 2026. Prior to this role, he served as a Planning Consultant at the same company from 2025 to 2026. Shovgi has also worked as a Financial Solutions Advisor at Bank of America, Merrill Lynch between 2023 and 2025, and completed an Analyst Internship at Bank of America in 2021. In his role as an Investment Consultant, Shovgi focuses on understanding his clients' financial goals and collaborates with them to develop personalized financial plans. He works closely with clients to explore their options and provide guidance aligned with their objectives. Shovgi is committed to continuous learning, which supports his ability to offer market insights and build strong professional relationships.

Marci Vanderhoeven is a financial advisor at Morgan Stanley in Potomac, MD, with 11 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Steven West is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds the Series 66 designation and has been with UBS since 2016. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets solutions.

Adrianne Medford is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning and estate planning services, supported by structured discovery processes and advanced modeling tools.

Daniel Gordon is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His prior firms include Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and his own firm, Gordon & Associates. In addition to advisory work, he maintains a tax preparation and accounting practice through Gordon & Associates and holds a CPA, CFP, and CEBS designations related to non-variable insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, and institutions. The firm offers diverse advisory programs and financial planning services supported by in-house and third-party research, along with various portfolio management and technology solutions.

Cortney Heykoop is a financial advisor at Osaic with 12 years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at Woodbury Financial Services and New York Life. Outside of her advisory role, she serves on the board of directors for The Arc of Loudoun and owns Clover Leaf Wealth Strategies, which provides community and home-based services for Medicaid patients. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios that include various investment types and supports both discretionary and non-discretionary account management.

Luis Alfonso is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and 14 years of industry experience. He has been with Morgan Stanley since 2013, including 11 years at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services that utilize firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides tailored financial plans directly to individuals and through corporate agreements.

Andre Stubbs is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2021, following two years at Consumer Direct Care Network and over a decade at Wells Fargo Bank, NA. Outside of his advisory role, he owns and operates 3S Stubbs Supply Shop, LLC, a business providing common household goods, clothing, music, and collectibles. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, serving plan objectives with a range of investment products including insurance-related vehicles and bank deposit sweep options.

Jesse Campion is a financial advisor with Charles Schwab in Reston, VA, holding Series 63 and Series 66 credentials and 16 years of industry experience. His career includes ten years at TD Ameritrade Investment Management and TD Ameritrade, followed by his current role at Charles Schwab since 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory, managed-account, and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and emphasizes a multi-asset model portfolio approach supported by research and due diligence.

Robert Virden Jr. is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Mass Mutual Investors Services since 2017 and was previously with Metlife Securities from 2009 to 2017. He is also associated with Massachusetts Mutual Life Insurance Company since 2016. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, utilizing firm-approved tools to provide goal-based recommendations without discretionary investment authority.

Thomas Clark is a financial advisor at Wells Fargo Clearing with 45 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Wells Fargo since 2016, including a prior role at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm provides a range of investment advisory services, financial planning, and retirement plan consulting, operating with over 14,000 advisors and approximately $671 billion in assets under management.

Tuong Ta is a CFP® professional with one year of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. Prior to joining Raymond James, he worked at Edward Jones and PNC Bank. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm uses fact-finding, risk profiling, and modeling tools to tailor non-discretionary planning and consulting to client goals, supporting implementation through advisory programs and other providers.

Mariama Bah is a Planning Consultant at Fidelity Investments, where she collaborates with Financial Consultants to develop tailored financial plans aligned with clients' unique goals and priorities. She focuses on delivering a high-quality, client-centric planning experience that emphasizes collaboration, trust, and understanding clients' values and long-term objectives. She has professional experience as a Financial Solutions Advisor at Merrill Lynch Bank of America from 2020 to 2021, and as a Relationship Banker at Capital One Financial Corporation from 2014 to 2020. Her background spans client relationship management and financial solutions, supporting her expertise in financial planning. Outside of her professional role, Mariama has interests in art, biking, music, tennis, traveling, and volunteering.

Satnam Khalsa is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Ameriprise Financial Services and the Federal Judicial Center. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research to support various investment strategies.