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 with Truist Advisory Services in McLean, VA, holding Series 66 and Series 63 licenses and bringing 13 years of industry experience. He has been with the firm and its predecessors since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing both discretionary manager relationships and non-discretionary consulting supported by AI-enabled research tools and integrated inter-affiliate operations.

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.

Arash Zarrabian is a CFA® charterholder and holds a Series 66 license with 18 years of industry experience. He is currently with Concurrent Investment Advisors, LLC and has previously worked at Corbett Road Capital Management and Spire Wealth Management, LLC. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other instruments, supported by extensive platform integrations and affiliated sub-advisory arrangements.

Scott Ward is a CFP®-certified financial advisor with 18 years of industry experience. He currently works at &Partners and previously spent nine years at Wells Fargo Clearing. &Partners serves a diverse client base that includes high-net-worth individuals, retirement plans, charitable organizations, foundations, universities, trusts, private businesses, and corporations. The firm offers investment management and financial planning services through a combination of fundamental, technical, and quantitative analysis, utilizing both in-house and third-party strategies.

Swathi Reddy is a financial advisor at HSBC Securities (USA) Inc. with four years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at HSBC Bank Australia for seven years. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base, including individuals, retirement accounts, charitable organizations, and corporations. The firm employs a range of program types from client-directed to fully discretionary accounts, using model risk profiles and a combination of strategic and tactical asset allocation developed with HSBC Global Asset Management.

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®-designated financial advisor with Commonwealth Financial Network, based in Reston, VA, and has seven years of industry experience. He has been affiliated with Commonwealth Financial Network since 2016 and also works with Potomac Financial Private Client Group, LLC. In addition to advisory services, he spends part of his business time on fixed insurance sales. Commonwealth Financial Network serves a national network of approximately 2,900 advisors and manages over $212 billion in client assets. The firm provides a broad adviser-support platform including both discretionary and nondiscretionary managed account programs, access to third-party asset managers, and comprehensive custodial and clearing services.

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.

Vinay Kaul is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 19 years of industry experience. He has worked at Truist and its predecessor firms since 2007. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms.

Richard Hatton is a financial advisor with First Command Advisory Services, holding Series 63 and Series 65 licenses. He has been with First Command since 2025, having held positions across several affiliated entities. He also operates Hatton Professional Services, LLC, an outside business activity. First Command Advisory Services is an SEC-registered investment adviser serving 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 managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Lawrence Fisher II is a financial advisor at Chevy Chase Trust Company with 16 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Chevy Chase Trust since 2010. Chevy Chase Trust Company serves high-net-worth individuals, families, and institutional clients by providing discretionary and non-discretionary investment management along with personal trust, family wealth, and financial planning services. The firm employs a thematic investment approach focused on secular trends and sector themes, emphasizing longer-term holdings and combining fiduciary trust and custody functions with investment management.

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 31 years of industry experience. She has been with VOYA Financial Advisors, Inc. since 2014 and previously worked at Voya Financial Partners, LLC. Outside of her advisory role, she participates as a member of the Humane Society of Warren County, assisting with animal care activities. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, pension plans, nonprofits, and corporate clients. The firm uses a combination of in-house and external strategists, technology-enabled tools, and model portfolios to manage mostly non-discretionary client accounts.

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.

Christopher Patterson is a financial advisor with Concurrent Investment Advisors, LLC and holds the PFS™ credential along with Series 63 and Series 65 licenses. He has 18 years of industry experience, including prior roles at Spire Wealth Management and Spire Investment Partners. Patterson is also an agent of Spire Insurance Agency and operates under the dba Patterson Wealth Management Group. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, supported by an integrated platform with affiliated sub-advisory arrangements and third-party solutions.

Robert Bell is a financial advisor with Guardian Life in Reston, VA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has spent the majority of his career at Guardian Life and its affiliates, including Park Avenue Securities. Outside of his primary role, Bell is involved in fixed insurance activities unrelated to Guardian Life. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, offers brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a mix of advisor-led discretionary management and model-based strategies, supplemented by proprietary technology and third-party platforms, with tailored client relationships that include financial planning, consulting, and specialized retirement and tax-sensitive services.

Michael Stone is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at UBS Financial Services and extended involvement with several firms, including Business Benefits Group Inc., where he serves as an independent insurance agent and focuses on retirement plans for small business clients and individuals. He is also president of Incisive Financial Group, a firm engaged in marketing Annuity Income Contracts. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of asset management and financial planning solutions, utilizing model portfolios, mutual funds, ETFs, and other investment vehicles across various program platforms.

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.