Nicholas Harding is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 66 credentials and bringing 12 years of industry experience. Prior to joining Morgan Stanley in 2025, he worked for nine years at City National Securities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools without providing individual security recommendations in its standalone planning services.

Anil Nachnani is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1995. Outside of his advisory role, he is associated with a family partnership involved in investment-related activities and a family farm. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by advanced tools and research.

Mark Henderson is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over nine years of industry experience. His prior roles include seven years at Bessemer Trust, two years at Van Ness Feldman LLP, and two years at Georgetown University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm offers customized, non-discretionary investment advice incorporating an ESG eligibility framework and access to a broad range of fund and strategy options.

Joseph Mclister is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by the Global Investment Committee’s analyses.

Sidney Williams is a Team Financial Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2014, he has developed a reputation as a reliable resource for clients, handling various needs such as funds transfers and reconciliations. He focuses on delivering a high standard of service across multiple areas including college education planning, employee benefits planning, family wealth management strategies, personal retirement planning, tax minimization, and services tailored to endowments, foundations, non-profits, and defined benefit plans. Sidney holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He earned a high school diploma or GED from Southern Illinois University System and obtained a bachelor's degree from DeVry University. Outside of his professional responsibilities, Sidney enjoys activities such as billiards, bowling, chess, golfing, hiking, skiing, swimming, tennis, traveling, and spending time with his family.

Curtis Wiltsey is an Investment Consultant at Fidelity Investments. He has been with Fidelity since 2022, progressing through roles including Workplace Planning Associate, Workplace Planning Consultant I and II, before assuming his current position in 2026. Curtis approaches his work by understanding his clients' unique situations and goals to co-create personalized investment solutions aimed at benefiting clients and their families. His professional experience centers on workplace planning and investment consulting, providing comprehensive support to clients in managing their financial futures. Outside of work, Curtis has personal interests in food, music, running, swimming, and traveling.

Richard Kline is a financial advisor at J.P. Morgan Securities with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including AMG Funds LLC and Vision 4 Fund Distributors LLC. Since 2021, he has been employed by both J.P. Morgan Securities and JPMorgan Bank, allowing him to offer a range of banking products and services in addition to investment advisory. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage and investment management capabilities, offering recommendations on a non-discretionary basis with client decision-making authority.

Duncan Mackay is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds the Series 63 and Series 65 designations. Prior to joining Wells Fargo in 2020, he worked at Morgan Stanley and Morgan Stanley Private Bank, National Association from 2011 to 2020. Outside of his advisory role, he serves as co-trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Mason Davis is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds the Series 66 designation and previously worked at Oppenheimer & Co. Inc. outside of his current role. Mason has held various positions across different industries prior to entering financial advisory. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Joyce Mayernick is a Financial Advisor with Merrill Lynch Wealth Management. She serves a diverse clientele that includes individuals, families, federal employees and contractors, active-duty and retired military members, and aviation professionals. Joyce works closely with her clients to address a broad range of financial needs such as retirement planning, family wealth management, legacy planning, philanthropic planning, and portfolio management services. She emphasizes building strong relationships to develop strategies tailored to her clients' unique goals and challenges. Joyce began her career in financial services in 2008 as a Private Equity Analyst and later founded her own event planning firm before returning to wealth management in 2022. She holds a Personal Investment Advisor (PIA) designation and earned her degree from the State University of New York at Geneseo. In addition to her financial expertise, Joyce is active in professional organizations including LEAD for Women and the National Association of Women Business Owners (NAWBO). Her community involvement includes serving as an Ombudsman for the U.S. Coast Guard Air Station Sacramento and participation with the United Service Organizations (USO). Joyce resides in Alexandria, Virginia, with her husband and enjoys interests such as basketball, cooking, golf, skiing, interior decorating, traveling, and spending time with family.

Meghan French is a Series 66-licensed financial advisor with Morgan Stanley in Washington, DC, bringing six years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2019, and previously worked at WMS Partners and the University of Richmond. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools that incorporate the Global Investment Committee’s return estimates and Monte Carlo simulations.

Christian Zonts is currently a Vice President and Wealth Planner at Fidelity Investments. In this role, he collaborates with clients to build and implement customized financial plans aimed at achieving their goals. He takes a holistic approach to financial planning, assisting investors through various life stages and helping them balance living for today with planning for the future. Christian has been with Fidelity Investments since 2014, holding positions including Financial Consultant, Field Training Director, and Investment Consultant before his current role. Prior to joining Fidelity, he worked as a Financial Planner at Prudential Insurance from 2012 to 2014.

Joseph Green is a financial advisor at Merrill with Series 65 and Series 63 designations and four years of industry experience. Prior to joining Merrill in 2021, he was self-employed for one year and worked at American Councils for International Education and Verizon Wireless. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jack Whaley is a Planning Consultant at Fidelity Investments, where he has been serving since 2024. In this role, he works closely with clients to ensure they are aligned with their financial goals and objectives by implementing holistic financial planning strategies. Jack emphasizes building trust-based relationships and seeks to understand each client's unique situation to provide tailored financial advice. He joined Fidelity Investments in 2022 as an Investment Consultant before advancing to his current position. Prior to that, Jack worked as a Financial Professional at Equitable Advisors from 2020 to 2022. His career reflects a consistent focus on guiding clients through their financial planning journeys. Outside of his professional responsibilities, Jack has interests in fitness, social events with friends, movies, music, and theater.

Kaula Jacks is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica Advisors, she has held positions at MT Zion United Methodist Church and PFS Investments Inc. Outside of advisory work, she is involved with the sale of home security and automation products, as well as loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing and BNY Mellon Advisors.

Brande Coleman is a financial advisor with Morgan Stanley in Alexandria, VA, holding a Series 66 credential and with 10 years of industry experience. Prior to Morgan Stanley, Coleman worked at Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Outside of advising, Coleman is the sole proprietor of Nicco LLC, a retail and online store business, and is involved as an employee with Elite Formation Studio of Dance. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services without delivering individual security recommendations in standalone plans.

Sean Dries is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Elbert Burson is a financial advisor with Wells Fargo Clearing in Washington, DC, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Burson serves as co-trustee for his brother’s trust in Washington, DC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products than typical institutional advisers.

Todd Price is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Morgan Stanley since 2011, including roles at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services both directly to individuals and through corporate financial planning agreements.

Joshua Steinmetz is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity Investments since 2016, progressing through positions including Financial Consultant, Investment Consultant, Relationship Manager, Financial Representative, Workplace Planning & Advice Consultant, and Financial Associate. Throughout his career at Fidelity Investments, Joshua has developed expertise in financial consulting and investment management, partnering with clients to align their current decisions with their long-term financial plans. His approach emphasizes purposeful planning and collaboration with clients and their families. Outside of his professional work, Joshua is engaged in family activities, fitness, golf, parenthood, and caring for pets.