Sheldon Foreman is a Financial Advisor with Merrill Lynch Wealth Management. He works with established professionals and their families to develop personalized wealth management strategies. His approach begins by identifying clients' financial goals and then building plans aligned with their priorities, addressing areas such as employee benefits planning, executive and equity compensation, family wealth management, legacy planning, and retirement income. Sheldon holds a Bachelor's Degree in Economics from Swarthmore College. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Throughout his career, he has assisted clients in managing concentrated stock situations, formulating broad investment strategies, and planning across multiple generations. Originally from Austin, Texas, Sheldon currently resides just outside Washington D.C. His personal interests include basketball, cooking, reading, spending time with family, and traveling.

Victorino Manlapaz is a CFP® professional with over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2013. In addition to his advisory role, he serves as president of Legacy Financial Group, LLC, and is a board member of the Nassau Village Condo Association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, with investment approaches that include proprietary models, third-party strategists, and both discretionary and non-discretionary portfolio management.

Scott Mcgraw is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services at Merrill Lynch in 1993. Scott is committed to providing attentive and personalized service, developing strong relationships with clients through regular communications. His work focuses on helping clients pursue their long-term financial goals. Scott assists clients in funding their retirement, supporting their children's education, and facilitating the preservation and transfer of wealth. He holds a Bachelor's degree in Finance from the University of Maryland and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Scott also holds the Personal Investment Advisor (PIA) designation. Scott and his wife, Jennifer, reside in Rockville, Maryland, where they raise their four children.

Benjamin 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 Thrivent Financial and Thrivent Investment Management. Outside of finance, he has experience in pool management and retail through roles at Premier Pools Management and Dick's Sporting Goods. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with multiple market-facing registrations, delivering services on a non-discretionary basis.

Mario Arrington is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following prior roles at Citigroup Global Markets and Merrill. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Steven Vozenilek is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. His prior roles include positions at Ameriprise Financial Services, Morgan Stanley, Citigroup Global Markets, and Legg Mason Wood Walker. 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.

Claire Cooney is a financial advisor with Raymond James & Associates in Bethesda, MD, holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James, she worked at Grubhub Inc. and Oracle Inc., and she completed her education at Pennsylvania State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Alison Wilmore is a financial advisor with Charles Schwab in Bethesda, MD, holding a Series 66 designation and six years of industry experience. Her prior roles include positions at Alliance Bernstein and various non-financial organizations. Outside of her advisory work, she is involved as a co-owner and registered agent in a real estate business and participates in retail reselling on platforms such as Poshmark and Depop. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary and discretionary investment management.

Ronald Chesney is a financial advisor with UBS Financial Services in Bethesda, MD, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at UBS Financial Services since 2009. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies to clients' goals and risk tolerances.

Nicholas Bohn is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2012. Outside of his advisory role, he is involved with the Estate of F P B, Jr. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Richard Caggiano is a financial advisor with Ameriprise in Herndon, VA, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in a centralized service delivered alongside client advisors, with a focus on assets held within Ameriprise Managed Accounts.

David Holdsworth is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Wells Fargo Advisors and related entities since 2009. Outside of his advisory role, he serves on the board of directors for the Quincehaven HOA and is involved in multiple business ventures, including investment-related LLCs and a trailer rental company. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory solutions with other financial product offerings.

Joshua Halpern is a CFP® credentialed financial advisor with 28 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2007. Halpern also serves as a FINRA arbitrator and works as a life, long-term care, and disability insurance agent. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, corporations, charitable organizations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using risk profiling and analytical modeling and supports municipal and public-finance work through a unique municipal advisor affiliation.

Frederick Thoms Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. His career includes prior roles at Grove Point Investments, Grove Point Advisors, H. Beck, and PRUCO Securities. He also operates a home-based property and casualty agency related to his investment work. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Jacob Engel is a financial advisor at Mass Mutual Investors Services with one year of industry experience. He holds the Series 66 designation and has a diverse work history, including roles at MassMutual Life Insurance Company, Crouse Ford, Evapco, Leidos Biomedical Research, and military service in the Marine Corps. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning engagements supported by firm-approved analytical tools and educational seminars.

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.