Sarah Avila is a CFP® professional with 13 years of experience in the financial services industry. She is currently with Cetera and has held roles at VLP Financial Advisors and Cetera Wealth Services, LLC since 2016. In addition to her advisory work, she is licensed to sell life, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment strategies and a variety of program options tailored to client needs.

Samuel Kerr is a Planning Consultant at Fidelity Investments, a position he has held since 2024. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2023 to 2024 and as a Financial Representative from 2022 to 2023. His professional journey in financial planning is a second career, following his experience as an elementary and special education teacher. Samuel applies lessons learned from teaching—valuing relationships and simplifying complex concepts—to his work in financial planning. He focuses on understanding clients' goals and collaboratively developing plans to protect, manage, and grow their wealth.

Maritza Rosa Maldonado is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2021. Prior to that, she was with Voya Financial Advisors and Spire Investment Partners. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by firm-approved tools and research from its Global Investment Committee.

William Freck is a financial advisor with Cambridge Investment Research Advisors in Reston, VA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His career includes prior roles at Citigroup Global Markets and Fulcrum Advisory Services. He is also active as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension funds, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Tia Reese is a financial advisor with RBC Capital Markets and holds Series 63 and Series 65 licenses. She began her advisory career in 2026 and has prior experience at firms including Charles Schwab and roles at George Washington University. Reese also has experience with Apparati SmartGym + Wellness, reflecting interests outside traditional finance. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs and tailors investment strategies based on each client’s risk profile, utilizing a combination of in-house and third-party investment managers.

Margaret Gargulinski is a financial advisor with Morgan Stanley in McLean, VA, holding a Series 66 designation and bringing nine years of industry experience. She has been with Morgan Stanley since 2016, including nine years at Morgan Stanley Private Bank, N.A. Outside of her advisory role, she is involved in youth sports as a head lacrosse coach at Oakcrest School and has coaching experience with 3Step Lacrosse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with various advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Malini Raswant is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior work includes roles at Waddell & Reed, Inc., Benefits Mall, and iProtect LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Evan Prestera is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Wells Fargo Bank, Newday USA, and briefly at NOVA Tastings. He studied at Florida State University for five years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets with over 14,000 advisors and utilizes research and analytics focused on diversification and modern portfolio theory.

Francisco Valeriano is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has 22 years of industry experience, previously working at firms including Prudential Insurance Company of America, Pruco Securities, LLC, MassMutual, HSBC Securities, and Morgan Stanley. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm typically implements investment strategies through model-driven portfolios developed by its research department and third-party portfolio strategists, while also offering affiliated trust custody, insurance services, and secured credit programs.

Stacy Segal is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and 13 years of industry experience. She has worked at Mass Mutual Investors Services since 2022 and at MassMutual Life Insurance Co since 2020. Segal also operates Stacy S. Segal Insurance Services, providing life and disability insurance products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning engagements.

Reimy Saavedra is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, Saavedra worked at Conyngham CPA and has experience in both banking and fitness center roles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and models.

Kevin Wamsley is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is involved in mortgage and real estate services through his positions at Distinctive Referral LLC and Main Street Home Loans LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Alexandra Simons is a financial advisor at LPL Enterprise with three years of industry experience. She holds a Series 66 designation and has previously worked with The Prudential Insurance Company of America and Pruco Securities LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in a wrap program.

Thomas Clark is a financial advisor with UBS Financial Services in McLean, VA, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based 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 financial plans.

Ben Knighton is a Financial Consultant currently working at Fidelity Investments since 2022. In his role, he focuses on understanding clients' individual circumstances and assisting them in creating financial plans aligned with their personal goals. Prior to his current position, Ben served as a Senior Registered Wealth Management Client Associate at Merrill Lynch from 2014 to 2022. Over his career, he has developed experience in wealth management and financial consulting. Ben's approach emphasizes meeting clients with care and thoughtfulness, aiming to support them effectively through their financial planning process.

Lilian Huang is a Financial Consultant at Fidelity Investments, where she currently provides financial guidance and develops personalized plans to help clients pursue their financial goals. She draws on over a decade of industry experience to support her clients' priorities effectively. Her professional background includes roles such as Private Client Advisor at J. P. Morgan, Senior Financial Consultant at T D Ameritrade, Premier Relationship Manager at HSBC Bank, and Premier Banker at Wells Fargo Bank. These positions have contributed to her comprehensive understanding of financial services and client relationships. Outside of her professional work, Lilian has interests in fitness, golf, music, and traveling.

Tricia Tripp is a CFP® with 32 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. She has worked with Raymond James since 1994 and previously operated her own firm, Tripp Financial Consultants, Inc. In addition to her advisory work, Ms. Tripp owns and manages Fox Hollow Farm LLC, where she employs staff to care for animals and property. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Consulting.

Mike Harber is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients in the Washington D.C. area since 2014. He specializes in developing customized investment strategies that address clients’ short- and long-term financial goals while managing volatility. His approach includes assessing assets, liabilities, insurance, and cash flows to help clients navigate financial challenges. Mike provides personalized recommendations in several areas, including retirement planning, individual wealth preservation and insurance strategies, company-sponsored retirement plans, business transition planning, and business banking. His client focus areas also encompass college education planning, family wealth management, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Prior to joining Merrill Lynch, Mike served over 20 years in the U.S. Navy as an FA-18 pilot, retiring at the rank of Captain. He holds a Bachelor's degree from Western Michigan University and has held the Chartered Financial Analyst (CFA) designation since 2018, as well as the Personal Investment Advisor (PIA) designation. Mike is involved with charitable organizations supporting veterans and resides in Potomac Falls, Virginia, with his wife and children. His personal interests include fishing, football, running, skiing, woodworking, and spending time with his family.

M Kennedy Hughes is a financial advisor with Merrill in Reston, VA, holding Series 63 and Series 66 licenses and with 32 years of industry experience. He has worked at Merrill since 1996. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Travis Scott is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, with prior roles at Foresters Financial Services and Econo Lodge. Outside of his advisory work, he oversees youth ministry at Strong Tower Christian Church and is involved in A/V production and a 360 photobooth business. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers diverse portfolio management and consulting services with both discretionary and non-discretionary options, operating a multi-manager platform that supports customized investment strategies and access to various third-party managers.