Richard Banziger is a financial advisor with Kestra Advisory Services, holding Series 63 and Series 65 credentials and bringing over 40 years of industry experience. He is the founder and owner of Retirement Planners & Administrators, Inc., where he provides strategic oversight. His career includes roles at Kestra Investment Services, Capstone Retirement Group, and Paybridge, LLC. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors and a wide range of institutional and individual clients, providing services such as plan design, fiduciary consulting, employee education, and advisor-managed accounts. The firm serves large institutional investors, including sovereign wealth funds, and delivers solutions through multiple management platforms and third-party partnerships.

Julian Collier is a financial advisor at Truist Advisory Services with 13 years of industry experience. He holds the Series 66 and Series 63 licenses and has worked at Suntrust Advisory Services, Inc. and Suntrust Investment Services, Inc. since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering asset allocation, fiduciary support, and a manager-selection program. The firm combines discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Shampa Bera is a financial advisor with Truist Advisory Services and holds Series 63 and Series 66 designations. She has 26 years of industry experience, including 10 years with Truist Advisory Services and over 20 years with Truist Investment Services. Outside of her advisory role, she owns a beach condo rental business in Ocean View, Delaware. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm utilizes both discretionary and non-discretionary investment approaches, supported by third-party manager platforms and AI-enabled equity research, with a focus on integrated inter-affiliate service arrangements.

Kristen Andrejev is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Creative Planning since 2021. She previously worked for over two decades at Sullivan, Bruyette, Speros & Blayney, LLC. Based in McLean, VA, she holds the Series 63 designation in addition to her CFP® credential. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment process that emphasizes low-cost indexing and buy-and-hold strategies, supplemented by additional portfolio management techniques and integrated retirement plan services.

Luke Johnson is a financial advisor with Eagle Strategies (NY Life) based in Vienna, VA. He holds the ChFC® designation and the Series 63 license, with 25 years of industry experience. Johnson has worked with NYLIFE Securities LLC since 2001 and New York Life Insurance Company since 2000. Eagle Strategies serves a broad mix of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types and emphasizes tailoring recommendations to client objectives, managing the majority of its assets on a non-discretionary basis.

Scott Ward is a CFP® professional with 17 years of industry experience, currently serving as a financial advisor at &Partners since 2025. His prior experience includes nine years at Wells Fargo Clearing and seven years at Wells Fargo Advisors LLC. &Partners serves a diverse client base, including individual and institutional investors such as retirement plans, charitable organizations, and sovereign wealth funds. The firm offers investment advisory and brokerage services, employing a combination of proprietary and third-party investment models alongside financial planning and retirement-related consulting.

Swathi Reddy is a financial advisor at HSBC Securities (USA) Inc. with three years of industry experience. She holds Series 63 and Series 66 licenses and has worked at HSBC Bank Australia as well as HSBC Bank USA. HSBC Securities (USA) Inc. provides managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm offers multiple program types ranging from client-directed to fully discretionary accounts, with an investment process that incorporates model risk profiles and combines global asset management and fund due diligence.

Robert De Young is a financial advisor with TD Private Client Wealth LLC in Vienna, VA. He holds a Series 66 designation and has two years of industry experience. Prior to joining TD Private Client Wealth, he has held roles at TD Bank N.A., Bankers Life, Truist, and Northwestern Mutual, and served in the Armed Forces for 13 years. TD Private Client Wealth LLC provides discretionary wrap‑fee managed account programs and brokerage services to institutional and high-net-worth private clients. The firm uses a combination of strategic and tactical asset allocation across affiliated and third-party managers, offering portfolio management, financial planning support, and custody services.

Ryan Kellinger is a CFP® with seven years of industry experience, currently affiliated with Commonwealth Financial Network. He has been with the firm since 2016 and is based in Reston, VA. Kellinger also spends part of his time engaged in fixed insurance sales at his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser supporting a national network of approximately 2,900 advisors. The firm offers a comprehensive support platform, including managed-account programs, third-party asset manager access, and custody services, serving both individual and institutional clients.

Darren White is a financial advisor at Truist Advisory Services with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SunTrust Advisory Services and SunTrust Bank since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a mix of discretionary and non-discretionary approaches and incorporates third-party platforms and AI-enabled research tools in its investment process.

Richard Hatton is a financial advisor with First Command Advisory Services holding Series 65 and Series 63 licenses. He has been with First Command in various capacities since 2025 and operates Hatton Professional Services, LLC since 2020. Prior to his financial services career, his work experience includes roles at The Home Depot, Inc. and Leidos, Inc. First Command Advisory Services, Inc. serves individuals, corporate, and charitable clients with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs overseen by a centralized Investment Management Team and Wealth Portfolio Managers using a structured approach involving model portfolios and pre-approved third-party managers.

Imran Shaukat is a financial advisor at Truist Advisory Services with one year of industry experience. He holds the Series 66 designation and has been employed by Truist Bank since 2012. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, and a manager-selection program that uses both discretionary and non-discretionary approaches supported by third-party platforms.

Marta Steane is a ChFC® credentialed financial advisor with over 31 years of industry experience, currently serving at Voya Financial Advisors, Inc. since 2014. She is also active as an independent insurance agent and volunteers with the Humane Society of Warren County. Voya Financial Advisors, Inc. serves individual, retirement plan, and institutional clients by providing financial planning, portfolio management, and brokerage services through a combination of affiliated strategies and third-party managers. The firm operates as both an SEC-registered investment adviser and broker-dealer, offering a range of advisory and commission-based products.

Michael Perez is a financial advisor with Truist Advisory Services in Sterling, VA, holding Series 63 and Series 65 licenses and having six years of industry experience. He has worked with SunTrust Bank and its related entities since 2014. Outside of his advisory role, Perez manages rental properties through an LLC. Truist Advisory Services provides investment consulting and advisory services to a diverse client base, including individuals, corporations, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary management strategies and utilizes third-party platforms and AI-enabled equity research to support its investment offerings.

Robert Bell is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory role, he is involved in a fixed insurance business separate from Guardian. Park Avenue Securities serves a broad retail client base including individual and high-net-worth investors, offering both brokerage and advisory services with a range of proprietary and third-party investment programs.

Michael Stone is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has served in roles at Ameritas and related firms since 2007 and is president of Incisive Financial Group, where he focuses on marketing investment products. Stone is also involved with Business Benefits Group Inc, advising and selling retirement plans to small businesses and individuals. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to individuals, charitable and corporate entities, and retirement plans. The firm offers fee-based asset management, retirement-plan advisory, and uses model portfolios and third-party sub-advisers, with a notable focus on plan sponsors and participants.

Maria Nikitina is a financial advisor with Eagle Strategies (NY Life) based in Bethesda, MD, holding Series 63 and Series 65 designations and two years of industry experience. Prior to joining Eagle Strategies, she worked at NYLIFE Securities LLC and New York Life Insurance Company, and has experience in nonprofit educational event organization related to sunburn prevention in children. She is also a partner at Cherry Blossom LLC, providing consulting on marketing strategy and personal branding. Eagle Strategies serves a diverse client base, including individual and institutional investors, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Timothy Williams is a CFP® professional with 11 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, Inc. and Charles Schwab, having joined both firms in 2025. Prior to this, he worked at Morgan Stanley Smith Barney LLC from 2014 to 2025. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program. The firm serves clients with comprehensive financial reviews and investment recommendations using Schwab’s asset allocation models and research tools, while maintaining a non-discretionary advisory approach.

Morgan Douglass is a financial advisor at Creative Planning with six years of industry experience. He holds a Series 65 designation and has worked at Creative Planning since 2021. Prior to that, he spent eight years at Sullivan, Bruyette, Spero & Blayney, LLC. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base including individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing and buy-and-hold strategies, while also offering access to private market investments and institutional services.

Kathy Moritz is a financial advisor with Eagle Strategies (New York Life) based in Vienna, VA, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has been with Eagle Strategies since 2016 and associated with New York Life and its affiliated entities since 2015. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and retirement plans, providing financial planning, investment management, and advisory services. The firm offers multiple program types tailored to client and plan sponsor objectives and manages the majority of its assets on a non-discretionary basis.