Annette Jackson Jolly is a financial advisor with Primerica Advisors in Hyattsville, MD, holding Series 63 and Series 65 credentials and possessing 24 years of industry experience. She has worked with PFS Investments Inc. since 2001 and Primerica Financial Services since 2000. Outside of her advisory role, she participates as a team leader and walker in the Avon Walk for Breast Cancer. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities while offering a tiered percentage-based fee model.

Matthew Pepe is a financial advisor with LPL Enterprise holding a Series 66 designation and six years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise, LLC offers investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm emphasizes model-driven investment implementation and provides access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Gregory Milburn is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding a Series 66 designation and bringing 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Patricia Bergman is a financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Cambridge Investment Research Advisors since 2022. In addition to her current role, she has been associated with Parkwood Associates, Inc. since 2013. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides a range of investment solutions, including proprietary models and access to third-party managers, with options for discretionary and non-discretionary management tailored to client objectives.

Amy Taylor is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 licenses and has 41 years of industry experience. Prior to joining Raymond James, she worked at Wells Fargo Clearing and A. G. Edwards & Sons. Taylor also owns Taylor Wealth Strategies and serves as an independent contractor at Capitalistic Investment Services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutions. The firm provides tailored non-discretionary planning and consulting, using analytical tools and risk profiling to support client goals.

Jonathan Ellenbogen is a financial advisor with Wells Fargo Advisors in Washington, DC, holding a Series 66 designation and bringing 27 years of industry experience. He has been with Wells Fargo Advisors since 2016. Outside of his advisory role, he serves as the secretary of his condominium board association. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu that includes cash-flow, retirement, education, risk, and wealth-transfer planning, as well as specialized services such as business-owner transition and special-needs planning.

Jennifer Jones is a financial advisor at OSAIC with 27 years of industry experience. She holds Series 63 and Series 65 credentials and has previously worked at Securities America and Commonwealth Financial Network. In addition to her advisory work, Jennifer owns Accounting Unlimited, Inc., a CPA firm specializing in individual and small business tax services. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing various portfolio construction tools and supporting both discretionary and non-discretionary account management.

William Caudron is a financial advisor at Wells Fargo Advisors with Series 63 and Series 66 credentials and two years of industry experience. His prior roles include positions at EMP Management LLC, Capitolis, Citigroup, and a prior term at Wells Fargo Advisors. He also owns Riverfront Wealth WC, LLC, a wealth management business based in Alexandria, VA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients meeting specific net-worth criteria. The firm offers a broad planning menu and integrates advisory services with various financial products and referral channels.

Matthew Tomczuk is a financial advisor at UBS Financial Services in Washington, DC, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Merrill and Northwestern Mutual. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client portfolios.

Jason Messineo is a Series 66-licensed financial advisor with Wells Fargo Advisors in Annapolis, MD, and has 13 years of industry experience. He previously worked at Edward Jones for seven years before joining Wells Fargo Advisors in 2019. Outside of his advisory role, he serves as an assistant coach for the boys varsity lacrosse team at South River High School. Wells Fargo Advisors provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and niche areas such as business-owner transition and special-needs analysis. The firm combines research, planning tools, and personalized recommendations, with clients choosing how to implement advice through various brokerage or advisory programs.

Justin Gaither is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as the senior partner of The Group AG, a multi-generational team that focuses on simplifying the complexities of clients' financial lives. He began his career at Merrill over 20 years ago and holds a bachelor's degree in economics from Georgetown University. Justin is a CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant and also holds the Chartered Retirement Planning Counselor™ (CRPC™) designation. Justin's expertise lies in helping clients achieve their financial goals through thoughtful advice and a disciplined approach. His primary client focus areas include college education planning, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, as well as sports and entertainment. He is a qualified Portfolio Manager capable of providing traditional advice, guidance, and managing personalized or defined investment strategies, including discretionary management through the firm's Investment Advisory Program. He is actively involved in his community, serving on the Board of Directors for SOUL (Students Organized to Understand Leadership) and co-founding the Merrill, Washington, DC Community Service Board. Justin and his family reside in Bethesda, MD, and outside of his professional work, he enjoys baseball, basketball, boating, football, hiking, spending time with his family, and traveling.

Katarina Stein is a Financial Consultant at Fidelity Investments, where she has been serving clients since 2021. In her role, she focuses on helping clients develop written financial plans that define their goals and outline strategies to pursue them effectively. Katarina emphasizes the importance of being proactive and creating plans from a position of strength to better navigate stressful financial situations. Prior to joining Fidelity, Katarina worked as a Financial Solutions Advisor at Merrill Lynch, Fenner, Pierce & Smith Inc. from 2020 to 2021. She holds the CERTIFIED FINANCIAL PLANNER™ designation, reflecting her commitment to professional standards and client service. Outside of her professional work, Katarina enjoys fitness, sailing, yoga, traveling, and spending time with her pets.

Patrick Rosko is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has worked with PFS Investments Inc. since 2008 and with Primerica Financial Services since 2006. Outside of advising, he serves as co-trustee for the Thomas Family Trust and may receive compensation for referrals related to home security and mortgage products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers overseen by an independent consultant and employs a tiered wrap-fee structure.

James Koltes is a financial advisor with UBS Financial Services in Washington, DC, holding Series 63 and Series 66 licenses and bringing 55 years of industry experience. He has been with UBS Financial Services since 1970. Koltes serves on the finance committee of the Metropolitan Club of Washington DC, meeting quarterly to discuss the club’s finances. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, portfolio management, and distributes mutual funds and alternative products, supported by proprietary research and a range of capital markets services.

Robert Mcpherson is a financial advisor with Raymond James & Associates in Washington, DC, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Raymond James & Associates since 1993. Outside of his advisory role, Mcpherson serves on the City of Alexandria Waterfront Commission. Raymond James & Associates is a large, dually registered 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 and consulting services supported by research and a range of portfolio management strategies.

Todd Hutchinson is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 credential and bringing 20 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and modeling tools, though clients are responsible for implementing and updating their plans.

Donald Caron Jr. is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and specialized planning groups.

Kevin Fajardo is a financial advisor at Merrill with four years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, Wells Fargo, and J.P. Morgan. 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 CIO teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Borenstein is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. He has held roles at Wells Fargo Advisors LLC from 2009 to 2016 before joining his current firm. He holds the Series 63 and Series 65 professional designations. 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.

Matthew Agee is a financial advisor at Cetera with 26 years of industry experience. He holds the Series 66 designation and has worked with firms including Summit Financial Group and Cetera Wealth Services. Outside of advisory work, Agee has a small side activity involving multi-family real estate ownership. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.