Nathaniel Massey Jr. is a financial advisor with Ameriprise in Fairfax, VA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its related entities since 2005. Massey serves on the Board of Directors for the Ingleside Foundation and several affiliated organizations. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, using a combination of research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm delivers these services through a centralized consulting team in partnership with its financial advisors and integrates algorithmic tools alongside human review.

Charles Lewandowski is a financial advisor with LPL Financial, holding CFP® and ChFC® designations, and has 46 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Grove Point Advisors, LLC for four years and has been involved with Artisan Movers, Inc. since 2017. He is also a business owner and officer at Artisan Movers, Inc. outside of his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse financial planning and advisory programs, leveraging research, model portfolios, and technologies such as machine learning across discretionary and non-discretionary management.

Lissa Collins is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and 9 years of industry experience. She has been with Merrill since 2013. 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 investment strategies for individuals, high-net-worth clients, and institutional accounts.

Jia Jia Zhu is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office and UBS Global Research to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of solutions including discretionary portfolio management, fee-based financial planning, and alternative product distribution.

Tyghe Carstens is a Financial Consultant at Fidelity, a role he has held since 2025. In this position, he works with individuals and families to help them navigate their financial lives in a holistic manner, assisting them in planning for futures that align with their goals. He utilizes interactive software and Fidelity's robust offerings to help clients clarify their priorities and act with confidence. Prior to joining Fidelity, Carstens gained experience as a Financial Advisor at CW Advisors from 2024 to 2025, a Financial Planning Specialist at Citibank from 2022 to 2024, and as a Private Client Advisor at BMO from 2019 to 2022. His professional experience includes working domestically and abroad, exposing him to a wide array of clients and financial strategies. Outside of his professional work, Carstens has interests in family activities, outdoor adventures, scuba diving, tennis, traveling, and writing.

Joyce Wallace is a financial advisor at Cetera with 40 years of industry experience. She holds the PFS™ designation along with Series 63 and Series 65 licenses. In addition to her advisory work, Joyce owns Wallace Tax and Accounting Services, a tax preparation business, and is involved with Praise Him, Inc., a nonprofit Christian organization and radio show. She is also an author self-publishing the spiritual journal of her late husband. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supported by a large network of over 10,000 advisors and more than $256 billion in assets under management.

John Heckler Jr. is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for 16 years before joining Wells Fargo in 2024. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Patrick Lively is a financial advisor with Merrill, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has worked at Merrill since 1994 and has been affiliated with Bank of America, N.A. since 2009. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, charities, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm emphasizes manager selection and tax-efficient investment strategies, supported by its integration with Bank of America’s broader capital-markets platform.

Kevin Stone is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at M&T Bank, Comerica Bank, and United Heritage Credit Union. 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, utilizing research from Wells Fargo Investment Institute and third-party databases.

Christian Pardo is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior work includes roles at Bank of America, Fidelity Investments, and Merrill Lynch. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyle Mcdonell is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding a Series 66 designation and six years of industry experience. He joined Wells Fargo Advisors in 2024 after roles at Wells Fargo Clearing from 2019 to 2024 and has experience in consulting and media-related positions earlier in his career. He also owns McDonell Capital Group LLC, a financial-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm delivers tailored recommendations supported by proprietary research and planning tools, serving clients who meet certain net-worth thresholds.

Alex Arter is a Financial Consultant at Fidelity Investments. In this role, Alex works with clients to assess their current financial standing and collaboratively develop plans to help them move forward with confidence. Alex has held several positions at Fidelity Investments, including Investment Consultant (2023-2024), Relationship Manager (2022-2023), and Financial Representative (2021-2022), gaining experience across various facets of financial consulting and client management. Outside of work, Alex enjoys baseball, comedy, exploring different cuisines, hiking, snowboarding, and has a background related to military service.

Basil Herzstein is a CFP® with 34 years of experience in the financial industry. He has been with Equitable Advisors since 2005, following roles at AXA Advisors and Mony Securities Corporation. Outside of advisory work, he serves as president of Gallers Financial Group Inc., a tax preparation business. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, institutional clients, and organizations. The firm’s approach involves assessing client risk tolerance and employing a range of advisory models, including third-party asset managers and discretionary portfolio management.

Gregory Pang is a financial advisor at OSAIC with 32 years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Inc., and Capital One Investing and Capital One Advisors. Pang is also a managing partner at Capital Harvest Wealth Partners LLC and serves as a financial advisor at Pang Enterprises LLC. OSAIC serves a broad mix of retail and institutional clients through an extensive network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Sean Monaco is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked previously at Raymond James Financial Services, Atlantic Fireproofing, and Genesis Healthcare. Based in Baltimore, MD, he has been with Merrill since 2022. 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, and institutional accounts.

Richard Zsakany Jr. is a CFP® professional with 26 years of industry experience. He has been with Ameriprise Financial Services, Inc. and its affiliated entities since 2009. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service for clients nearing or in retirement. The firm’s approach emphasizes written Recommendation Reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Veland is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 65 credentials and six years of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. He serves on the boards of two nonprofits, PACC MDC and FilExcellence. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, model portfolios, third-party asset management, and access to brokerage and insurance products through an integrated advisory and brokerage platform.

Jenienne Fagan is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. She has worked at LPL Financial since 2021 and has been with M&T Securities since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various financial planning and advisory programs, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Sheryl Steinhart is a financial advisor at Morgan Stanley with 44 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Morgan Stanley since 2009, including work at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates Global Investment Committee materials and Monte Carlo simulations.

Kristin Pfeiffer is a financial advisor with RBC Capital Markets, holding a Series 66 designation and six years of industry experience. She previously worked at Morgan Stanley from 2015 to 2019 before joining RBC Capital Markets in 2019. Outside of her advisory role, she serves on the boards of several nonprofits, including the Duke DC Women's Forum and Wonders Early Learning + Extended Day, and participates as a donor in the women's grant-making organization Many Hands, Inc. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a mix of in-house and third-party managers, as well as integrated lending and cash-sweep services.