Justin Euller is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2013. He has been with Fidelity Investments since 2005, advancing through various positions including Investment Consultant, Retirement and Investment High Net Worth Associate, Retirement and Investment Services Associate, and 401k Service Associate. He has over 20 years of experience in financial advising, focusing on client relationships centered on dependability, integrity, and simplicity. His work involves creating financial plans aimed at managing, protecting, and growing clients' wealth. Justin holds an Arkansas Insurance License.

Brady Allen is a financial advisor at Equitable Advisors with a Series 66 credential and one year of industry experience. Before joining Equitable Advisors, he participated in The Fulbright Program and has a varied background including roles in education and environmental research. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs. The firm emphasizes personalized advice through a network of Investment Adviser Representatives, utilizing a range of third-party advisory programs and offering ERISA fiduciary services for qualified plans.

Joseph Schmerling is a financial advisor with Cetera, holding CFP® and Series 66 credentials and bringing 10 years of industry experience. His prior roles include positions at Avantax Investment Services and 1st Global Advisors, as well as managing Schmerling Financial Group. He serves on the boards of a local Torah school and the Mikvah Emunah Society, contributing through volunteer and finance committee roles. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.

Tamana Nawroozzada is a financial advisor at Merrill with Series 66 credentials and four years of industry experience. Her work history includes roles at Bank of America, the University of Maryland Global Campus, Macy's, and Best Buy. 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 strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Andrew Lee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He previously worked at UBS Financial Services from 2013 to 2023 before joining Wells Fargo Clearing. Outside of his advisory role, he serves as a trustee for a family friend and has a minority ownership interest in an investment-related family LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

Gaurika Kapoor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked at Bank of America, Merrill, and T. Rowe Price Investment Services. Outside of her advisory role, she is a co-owner of a family business called Gaurika Sood. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Ye Zang is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to joining Cetera in 2025, Ye was associated with Avantax Advisory Services and Avantax Investment Services. She is also the owner and sole proprietor of Elizabeth Ye Zang, CPA, LLC, which provides tax preparation and accounting services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

John Henderson III is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior work includes roles at Lincoln Financial Advisers and Voya Financial Advisors. Outside of advising, he serves as a soccer referee for various levels and is a board member promoting soccer in Maryland. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a network of advisors and multiple platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk tolerance, and portfolio construction using a range of investment products and third-party solutions.

Jared Vance is a Series 66-licensed financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2017 and previously at Pessin Katz Law PA. Outside of his advisory role, Jared serves on the IAABO Board 214 in Frederick County, Maryland, a recreational labor/service organization. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Mohammed Iftaiha is a CFP® professional at OSAIC with 23 years of industry experience. He previously worked at Woodbury Financial Services, Inc. for 17 years and PRUCO Securities, LLC for 3 years. In addition to his advisory role, he provides incidental insurance services through Strategic Capital Advisors. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, and access to a variety of investment solutions including advisor-managed portfolios and third-party money managers.

Jeffrey Garner is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, including time at Morgan Stanley Private Bank, N.A. since 2020. Prior to joining Morgan Stanley, he spent nine years at Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Kimberly Friedman is a financial advisor at LPL Financial with 17 years of industry experience. She holds the Series 66 designation and previously worked for Ameriprise Financial Services, Inc. for 14 years. Kimberly is also a licensed notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad range of advisory and brokerage services.

Stuart Fishbein is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 designation and 24 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. 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 employs a structured financial planning process supported by firm-approved tools and market scenario modeling.

Daniel Ator is a financial advisor at LPL Enterprise with a Series 66 designation and no prior industry experience. Before joining LPL Enterprise in 2026, he held roles at Always Ice Cream Company and the University of Maryland. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Hyuk Lee is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with 25 years of industry experience. He has worked at Charles Schwab since 2020 and previously held roles at USAA Investment Management Company and affiliated USAA financial services entities from 2015 to 2020. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Dante Lavender currently serves as a Financial Advisor with Merrill Lynch Wealth Management, focusing on providing personalized financial experiences to a diverse client base that includes individuals, families, and corporations. His professional approach emphasizes building futures beyond portfolios by understanding the unique aspirations and challenges of each client. He is committed to empowering clients, particularly those from underrepresented communities, fostering inclusive financial success through compassion, diligent service, and diverse perspectives. Mr. Lavender began his career in financial services in 2015 and has since held roles at Wells Fargo & Co., SunTrust (now Truist), and Bank of America/Merrill, gaining experience in banking, lending, and wealth management. He holds the designation of Personal Investment Advisor (PIA) and an academic background that includes a Bachelor of Science in Psychology from Radford University, an MBA from Southern New Hampshire University, and an Associate of Applied Science in General Studies from New River Community College. Outside of his professional work, Mr. Lavender contributes to community organizations such as Future Business Leaders of America and Ultimate International Miss. He enjoys activities including billiards, cooking, dancing, interior decorating, music, reading, spending time with family, traveling, and watching movies.

Michael Kline is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, including a role with Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Merrill from 2002 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process that incorporates firm-approved tools and market outlook models.

Casey Fiora is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds the Series 66 designation and has worked at Raymond James since 2018. Prior to that, she held roles at Morgan Stanley and Morgan Stanley Private Bank, N.A. from 2015 to 2018. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and municipal advisory services.

Kress Monarch is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His career includes roles at Citigroup Global Markets and Morgan Stanley Smith Barney prior to his current position at Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and analysis.

Douglas Grantham is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2022, following a 13-year tenure at Bank of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.