Kevin Underwood is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. His career includes roles at Avantax Advisory Services, Pension Benefit Guaranty Corporation, and Badger Sumrall, where he also provides tax preparation and planning services. In addition to his advisory work, he owns and operates a CPA firm and has experience as an independent health insurance agent. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to various third-party money managers through a multi-manager platform. The firm supports over 10,000 advisors and manages more than $256 billion in assets.

Michael Reyes is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with entrepreneurs, professionals, corporate executives, business owners, and government employees. His practice encompasses areas such as wealth accumulation, capital preservation, income planning, family and legacy planning, and retirement income. Michael also provides corporate and executive services and has experience with initial public offerings, mergers and acquisitions, concentrated stock positions, and credit and lending solutions. He is a founding member of the RLH Group and focuses on understanding the unique financial ambitions and responsibilities of his clients. Michael offers tailored wealth strategies and succession planning services, working closely with clients and their families to address both anticipated and unforeseen financial circumstances. Michael holds a Bachelor's Degree from George Washington University and several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is involved in organizations such as the Association of Corporate Growth - National Capital Region and the Tower Club of Tysons. Michael is also active in community groups including AALEAD, Alexandria Chamber of Commerce, HBI-DC, The Women Center, and Warrior Ethos. He lives in the Washington Metropolitan area with his wife and two children and enjoys basketball, golfing, running, soccer, and spending time with his family.

John Aras is a financial advisor with RBC Capital Markets in Vienna, VA, holding Series 63 and Series 65 credentials and 42 years of industry experience. He previously worked for UBS Financial Services for 11 years before joining RBC in 2025. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing a range of in-house and third-party investment managers and tailored portfolio strategies.

Robert Allred is a financial advisor with UBS Financial Services in Vienna, VA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with UBS Financial Services since 1998. Outside of his advisory role, he serves as successor trustee for two testamentary trusts established by family members. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides fee-based financial planning, portfolio management, and access to mutual funds and alternative products, leveraging proprietary research and institutional trading capabilities.

Esther Tobbin is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in providing personalized financial planning and portfolio management services to individuals and families at various life stages. Esther's approach involves collaborating with clients to define their financial goals and adapt strategies as their needs evolve. She focuses on areas such as family wealth management, retirement planning, philanthropic planning, portfolio management, special needs planning, and tax minimization. With over 10 years of experience in the financial services industry, Esther combines her professional expertise with sincere care in client relationships. She began her career in financial management and operations at Tobinco Pharmaceuticals in Ghana and later worked at Navy Federal Credit Union in the United States, providing financial counseling. Prior to joining Merrill Lynch, she was a financial advisor at the Global Advisor Group at LPL Financial. Esther earned a Bachelor's Degree in Banking and Finance from the University of Ghana and an MBA in Finance from George Mason University. She holds the Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. Outside of her professional role, she is involved in the Washington D.C. chapter of the Women's Caucus for Art and enjoys activities such as cooking, dancing, music, photography, running, sewing, singing, traveling, watching movies, and writing.

Joseph Mundie is a financial advisor with RBC Capital Markets in Vienna, VA, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at RBC Capital Markets since 2009 and also has experience with City National Bank beginning in 2019. Mundie serves on the finance committee of a homeowners' association, attending meetings to oversee operating and capital budgets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers and implementing strategies based on client risk profiles.

Johnson Chen is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at New York Life and NYLIFE Securities LLC, as well as experience outside the financial sector at companies such as Uber and DoorDash. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individual and institutional clients, including high-net-worth individuals, business owners, and charitable organizations. The firm offers financial planning, asset management, and educational programs, utilizing firm-approved software and collaborative client engagements.

John Noble is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at TIAA-CREF and Financial Engines Advisors L.L.C. There are no additional notable outside activities reported. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and supports a large client base through advisor-led and online platforms.

Andres Trujillo is a financial advisor at Cetera with eight years of industry experience. He holds a Series 66 designation and has worked at Cetera since 2019, previously employed at Bank of America and Merrill from 2017 to 2019. Outside of advising, he is involved in selling supplemental preventative health benefits through LLH Healthcare. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting various program structures and custodial relationships.

Karl Loehle is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works alongside his team to serve a select group of high net worth individuals and families. Their focus is on planning and managing all aspects of clients’ financial lives, including banking services, credit and mortgage provision through Bank of America, and investment and portfolio management. Karl and his advisory group collaborate with clients to develop and manage personalized strategic wealth management plans aimed at providing financial confidence and helping clients live well within their means. Karl’s areas of expertise include executive compensation, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, tax minimization, and retirement income. He holds the following professional designations: Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Karl maintains FINRA Series 7 and Series 66 registrations as well as life, accident, sickness, and variable products insurance licenses. He earned a Bachelor's Degree in Business Management and Entrepreneurship from The University of Alabama and also attended Drexel University. Originally from Virginia, Karl currently resides in Gainesville. He enjoys Alabama football, traveling, music, and spending time outdoors. His personal interests include adventure sports, billiards, fishing, football, golfing, hunting, reading, and family activities. Karl is open to connecting with individuals and families seeking a family-oriented financial services team, those preparing for retirement or recent business sale, clients navigating market volatility, or individuals looking to incorporate new inheritances into their financial plans.

Christopher Walmsley Jr. is a financial advisor with LPL Enterprise holding a Series 66 credential and five years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. He also operates Estia Focused Financial, conducting business through LPL as a DBA entity. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, employer-sponsored retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.

Donovan Sprouse is a financial advisor with Ameriprise in McLean, VA, holding a Series 66 designation and beginning his advisory career in 2025. His prior work experience includes roles in education at Patriot High School and Gainesville Middle School, as well as positions at George Mason University and various retail and systems companies. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jonathan Phan is a financial advisor with Mass Mutual Investors Services in Fairfax, VA, holding the ChFC® and Series 63 designations. He has 34 years of industry experience and has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2009. Outside of his advisory role, he is involved in a non-MLM insurance brokerage specializing in property/casualty and health insurance. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual financial planning engagements using firm-approved tools and a range of investment programs and educational seminars.

John Santmyer III is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 11 years of industry experience. His prior roles include positions at Truist Advisory Services, Truist Investment Services, BB&T Securities, and BB&T Investments. Outside of his advisory work, he serves as a basketball lead trainer for the Catoctin Basketball Club in Purcellville, VA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of investment options including insurance-related vehicles and bank deposit sweep programs.

Daniel Shannon is a financial advisor with Morgan Stanley in McLean, VA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has worked at 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 emphasizes a structured planning process using firm‑approved tools and models.

Hyun Woo Hung is a financial advisor with Wells Fargo Clearing based in McLean, VA. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior work includes roles at Bank of America, Capital One, and Wells Fargo Bank, NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

James Mcnamara is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 15 years of experience in the financial services industry, including work with Merrill Lynch Trust Company and the Private Bank as an internal trust specialist. He specializes in trust, estate, gifting, and charitable planning, serving clients such as business owners planning exit strategies, young couples building wealth, and individuals focusing on legacy creation and comfortable retirement. Jim earned a Bachelor's degree in Political Science with an International Affairs concentration and a minor in Economics from Gettysburg College. He holds professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). His approach emphasizes learning and customized planning to help clients and their families manage wealth across generations. Beyond his professional role, Jim has been active in coaching youth sports and holds involvement in various community organizations, including the Hopewell Post 339 American Legion Baseball and the Mercer County American Legion League. He remains engaged with alumni activities at Gettysburg College and spends time coaching his children in local youth soccer, softball, and baseball leagues. His personal interests include baseball, basketball, football, ice hockey, running, softball, swimming, traveling, and spending time with his family.

Alexander Hardy is a financial advisor with Ameriprise in McLean, VA, holding the Series 66 designation and four years of industry experience. His prior work includes a variety of roles outside finance, including managing a liquor store and employment in retail and food service. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, known for its Premier Retirement Income service that provides tailored retirement-income planning advice through a centralized team working alongside advisors. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools to address income planning strategies, with enrollment criteria focused on clients with substantial investable assets.

Pamela Murphy is a CFP® and ChFC® with 35 years of experience in the financial services industry. She has worked at Morgan Stanley and its affiliated entities since 2017 and previously held roles at Bank of America and Merrill. She is affiliated with Morgan Stanley Wealth Management, a firm that provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies.

Susan Estes is a Series 66-licensed financial advisor with Raymond James Financial in Fairfax, VA, having 14 years of industry experience. She has been with Raymond James Financial Services, Inc. since 2001 and Raymond James Financial Services Advisors Inc. since 2014. In addition to her advisory role, she is involved in marketing, communications, and business strategy for Estes Wealth Strategies. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm provides tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public-finance advisory services along with specialized employer advisory programs.