Freeman Jelks is a CFP® professional with 23 years of experience in financial advising. He has led FNJ 3, LLC since 2008, operating as an independent advisor in Alexandria, VA. FNJ 3, LLC provides portfolio management and financial planning services to individuals, pension plans, charitable organizations, and small businesses. The firm emphasizes tailored portfolios with a buy-and-hold approach and offers specialized pension consulting, including 401(k) plan setup, serving a diverse client base with discretionary management and quarterly reviews.

David Middleton is a CFP®-certified financial advisor with 12 years of industry experience. He founded Middleton Advisory in 2010 and serves as its sole advisor. His credentials include Series 65 and Series 66 licenses. Middleton Advisory is a fee-only registered investment adviser providing financial planning and discretionary portfolio management for individuals, families, qualified retirement plans, and institutional clients such as foundations and trusts. The firm uses diversified, low-cost funds and may incorporate individual securities, commodities, and options, with options for socially and environmentally conscious strategies.

Stephen Moroz is a financial advisor at Concord Atlantic, Inc. in Falls Church, VA, holding a Series 65 designation with 21 years of industry experience. He has been with Concord Atlantic since 1993. Outside of his advisory work, he serves as an NFL-registered player financial advisor. Concord Atlantic provides discretionary investment advice and portfolio management to individuals, trusts, foundations, and corporate pension plans. The firm employs a thematic, fundamentally driven investment approach focused on cash-generative companies and manages diversified portfolios across equities, fixed income, and selected mutual funds.

Gobinath Balasubramanian is the sole advisor at GB Investments LLC, an independent firm based in Alexandria, VA. He holds the Series 65 designation and has 10 years of industry experience, having worked at GB Investments since its founding in 2016. Prior to his advisory role, his background included engineering and quality assurance before earning an MS in finance. GB Investments provides discretionary investment management through separately managed accounts tailored for individuals, families, trusts, charitable organizations, and businesses. The firm follows a fundamental, value-oriented philosophy emphasizing concentrated, long-term equity ownership and customizes portfolios based on documented client goals, risk tolerance, and time horizon.

Mark Burkhardt is the sole advisor at Stonebrook Investment, LLC in Ashburn, VA, holding Series 63 and Series 65 licenses with 36 years of industry experience. He has been with Stonebrook since 2013. Stonebrook Investment LLC provides discretionary asset management and ongoing portfolio management to individual investors, high net worth individuals, and trusts, tailoring investment programs to clients' goals, time horizons, and risk tolerances through a combination of fundamental, technical, charting, cyclical, and sector analyses.

Rebecca Schreiber is a financial advisor with Flexible Finances in Silver Spring, MD, holding a Series 65 credential and three years of industry experience. She has worked at Flexible Finances since 2020 and is a partial owner of Holy Chow LLC, a restaurant in Silver Spring, where she contributes in a bookkeeping capacity. Flexible Finances serves individual and small business clients, providing financial planning, counseling, benefits analysis, budgeting, debt management, and investment recommendations. The firm emphasizes client education and independence, using a fee-for-service model with hourly or project-based billing and focuses on low-cost, liquid investments without discretionary asset management or commission-based fees.

John Ellison is the sole advisor at Ellison Investment Advisors in Fairfax, VA, with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has led his independent firm since 1996. Ellison Investment Advisors provides investment management and financial planning services to individuals, families, professionals, trusts, small corporations, and small business retirement plans. The firm employs a disciplined, long-term investment approach combining value and growth styles, individualized policy statements, and asset allocation models, and offers specialized retirement solutions including lump-sum distributions and qualified-plan exchange modeling.

Christopher Smith is a CFP® with two years of industry experience, currently serving as the sole advisor at Origin Wealth Management LLC in Reston, VA. His prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A., as well as service in the United States Marine Corps. In addition to his advisory work, he operates an affiliated insurance practice involving insurance and annuity product sales. Origin Wealth Management provides discretionary asset management and financial planning services primarily to individual and high-net-worth clients. The firm employs fundamental analysis and Modern Portfolio Theory to construct portfolios, which include long-term holdings, short-term trades, and option strategies, managing accounts on a discretionary basis through a selected custodian.

Victoria Mcgruder is a Series 66–registered financial advisor with nine years of industry experience. She is the sole advisor at FinPowered Female LLC, an independent firm she has led since 2021. Prior to founding FinPowered Female LLC, Mcgruder worked at Bank of America and Merrill from 2015 to 2019. FinPowered Female LLC primarily manages pooled investment vehicles and institutional assets while also serving a limited number of individual non–high-net-worth clients. The firm combines institutional portfolio management with investor education through seminars and workshops and offers certain advisory services on an hourly fee basis rather than a percentage of assets under management.

Ravi Myneni is the sole advisor at BanyanTree Wealth Management in Oakton, VA, holding Series 63 and Series 65 licenses with 14 years of industry experience. He previously worked at BanyanTree Capital Advisors LLC for 11 years. BanyanTree Wealth Management serves individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and other business entities, providing discretionary portfolio management, pension consulting, and broader financial consulting services. The firm focuses on tailored advice with a generally conservative, long-term approach and offers institutional-style services such as pension consulting and corporate financial consulting that are less common among solo independent advisors.

Kyle Packard is a CFP® and ChFC® with two years of experience in financial advising, currently operating as the sole advisor at Packard Wealth Strategies LLC in Alexandria, VA. He has served in the U.S. Army since 2000, concurrently with his advisory role. Packard Wealth Strategies provides discretionary investment management, financial planning, and wealth management services primarily to veterans, service members, and their families, as well as charitable organizations, corporations, and employer-sponsored retirement plans. The firm uses a priorities-driven Financial Policy Statement and an evidence-based investment approach incorporating Modern Portfolio Theory, with a notable range of services including ERISA co-fiduciary and investment manager roles for retirement plans and donor-advised fund management.

Edrees Feda is the sole advisor at Lucrum Capital Advisors, holding Series 65 and Series 63 licenses with three years of industry experience. He has held leadership roles across multiple affiliated companies, including serving as President and CEO of several holding companies and real estate brokerages. Feda is also a principal broker licensed in multiple states and oversees private investment management and securities broker-dealer operations focused on alternative investments. Lucrum Capital Advisors is a state-registered investment advisor specializing in asset management and advisory services for alternative investments, particularly private real estate–related securities and funds. The firm serves institutional-style, family office, and high-net-worth clients with a focus on asset-level underwriting, acquisitions support, and portfolio monitoring.

Denise Leish is the sole advisor at Money Plans, an independent firm based in Silver Spring, MD. She holds a Series 65 designation and has 27 years of industry experience. Denise has been with Money Plans since 1983. Money Plans offers fee-only investment and financial planning services to individuals and families, providing discretionary money management, one-time investment reviews, comprehensive financial planning, and hourly consultations. The firm’s investment approach emphasizes tax- and cost-efficiency using low-cost ETFs and institutional share classes, with portfolios managed for diversification, price-earnings discipline, capital preservation, and tactical use of inverse and leveraged ETFs when appropriate.

Zefan Huang is the principal of Zefan & Company, LLC, an independent firm based in Fairfax, VA. He holds a Series 65 designation and has industry experience beginning in 2024. His prior work includes roles at Navy Federal Credit Union, the University of Hawaii at Manoa, Jiangsu International Trust Corporation Limited, and Duke University. Huang also has substantial outside employment in financial data work. Zefan & Company, operating under the trade name Occidental Wealth, provides discretionary portfolio management primarily to individuals, high-net-worth clients, trusts, estates, and business entities eligible for performance-based fee arrangements. The firm employs a top-down investment process that considers macroeconomic conditions, industry trends, and company fundamentals to tailor portfolios according to client objectives and risk tolerance.

Brandon Lloyd is a financial advisor at Mountain View Wealth Management LLC in Arlington, VA, holding Series 63 and Series 65 licenses with 13 years of industry experience. He has worked at Mountain View Wealth Management since 2017 and previously at Wells Fargo Clearing Services. Outside of advisory work, he is involved in several real estate investment ventures as an owner and president of multiple LLCs. Mountain View Wealth Management LLC is an independent registered investment adviser serving individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm offers pension consulting and employs a comprehensive investment approach incorporating fundamental, quantitative, technical, and modern portfolio theory analyses, including the use of borrowing within separately managed accounts.

David Nanigian is a CFP® professional with two years of industry experience, currently serving as the sole advisor at Mount Ararat Financial Services LLC. His prior roles include positions with the CFP Board and academic appointments at San Diego State University and California State University, Fullerton. Mount Ararat Financial Services LLC focuses on financial planning, fund selection, and advisory services primarily for Armenian-American clients and provides a Fractional Chief Investment Officer service to other advisory firms. The firm emphasizes Strategic Asset Allocation based on Modern Portfolio Theory and operates mainly on a non-discretionary basis without taking custody of client assets.

Olac Pallan Gayol is a financial advisor with OPG Asset Management in Bethesda, MD, holding Series 63, 65, and 66 licenses and five years of industry experience. His background includes roles at firms such as Merrill Lynch, Deutsche Bank Americas, and Onyx Bridge Wealth Group. OPG Asset Management serves individuals, high-net-worth clients, retirement plan sponsors, trusts, and business entities with a variety of investment advisory services, including discretionary and non-discretionary asset management and financial planning. The firm uses portfolio models and multiple research methods to implement asset-allocation, ETF, structured-product, and alternative strategies, with an emphasis on tax management and portfolio transition tools.

Ethan Miller is a CFP® with nine years of industry experience and the sole advisor at Planning for Progress in Silver Spring, MD. His prior work includes roles at the Department for Professional Employees, AFL-CIO, and Jobs With Justice. He also serves as finance and operations director for IFPTE Local 70, a Washington, DC-based union, managing its financial operations on a part-time consulting basis. Planning for Progress serves middle- and upper-middle-income individuals and families, as well as small businesses, nonprofits, and employer plan sponsors. The firm offers comprehensive and project-based financial planning, investment management, and retirement plan consulting, using diversified, long-term asset allocation strategies tailored to clients’ goals and values.

Owen Lyons is a financial advisor at Demand Wealth with 27 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Prudential Financial Planning Services, Spencer Lyons Partners, and LPL Financial among others. Demand Wealth provides discretionary portfolio management and financial planning primarily to individual and high-net-worth clients, using ETF-based strategies, model portfolios, and digital planning modules. The firm employs modern portfolio theory with a range of investment tools including structured products and derivatives.

Yingjie Shu is a financial advisor with Kailasa Capital Management LLC, holding a Series 66 designation and six years of industry experience. Before joining Kailasa in 2024, Shu worked at Equitable Advisors from 2020 to 2024. Outside of advisory work, Shu is involved with Blue Latitude, LLC, which is unrelated to investment activities. Kailasa Capital Management oversees approximately $298 million in client assets and serves individuals, family offices, trusts, endowments, institutions, and other registered investment advisors. The firm employs a long-term investment approach based on fundamental analysis and internal due diligence, managing portfolios with equities, fixed income, ETFs, and options, and also operates private funds and provides ERISA fiduciary services.