Timothy Tillman is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds Series 63 and Series 66 licenses and has worked at MassMutual Life Insurance Co, Ascension Financial Capital, and US Bank. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software tools to analyze client goals and provides collaborative, ongoing financial planning engagements.

Luis Otero Lopez is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 designations and over one year of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and Whole Foods. He has also been involved with LSJC Services since 2021. 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 through a network of more than 14,000 financial advisors, offering both brokerage and advisory solutions supported by extensive research and analytics.

Steven Pilkerton is a CFP® professional with 21 years of industry experience, currently affiliated with Charles Schwab in Washington, DC. His prior experience includes a 12-year tenure at TD Ameritrade and roles within Charles Schwab Bank and Charles Schwab & Co., Inc. He is also an owner of a residential condo in Alexandria, Virginia. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized supervision and alternative investment due diligence.

Matthew Ondeck is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 13 years of industry experience. His career includes roles at Merrill, Edelman Financial Services, and EF Legacy Securities. Outside of his advisory work, he coaches little league soccer and softball in Loudoun County. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. It operates a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Michael Abbenante is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping clients manage their wealth by developing personalized strategies tailored to their financial goals and the evolving market conditions. Michael holds the Professional Investment Advisor (PIA) designation and earned a bachelor's degree from James Madison University. He combines access to Merrill's investment insights with the banking and lending solutions of Bank of America to support his clients' comprehensive financial needs.

Zara Smith is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Her prior work includes roles at Wells Fargo Clearing, H&R Block, and Overseas Military Sales Corp. (OMSC). Raymond James & Associates, Inc. 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, institutional clients, and municipal entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Macaughlan Byrne Houser is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. Prior to joining LPL Enterprise, Houser held roles at several companies, including Stonemor Inc, USP of Pittsburgh LLC, and Byrne-Houser L.L.C. 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 primarily uses model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Ronald Everett is a Senior Financial Advisor at Merrill Lynch Wealth Management, based in Washington, D.C. He specializes in serving corporate retirement plans, professional firms, closely held corporations, and business owners. His expertise includes divorce transition planning, employee benefits planning, institutional and corporate benefit services, and investment consulting for various types of retirement and defined benefit plans. Ron advises organizations on structuring and managing corporate retirement plans to maximize tax benefits for owners while enhancing employee benefits. His work includes implementing and optimizing tax-advantaged retirement plans such as 401(k), profit-sharing, and pension plans, as well as developing tax-sheltering strategies for wealth accumulation. He coordinates with record-keepers and third-party administrators to ensure plan compliance with ERISA and DOL regulations. Ron has been with Merrill Lynch Wealth Management in Washington, D.C., since 2018. He holds a Bachelor's Degree from the University of Michigan – Ann Arbor and holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Outside of his professional role, he enjoys hiking, spending time with his family, and traveling.

Maximilian Gleason is a Series 66 credentialed financial advisor with Morgan Stanley in Washington, DC. He has been with Morgan Stanley since 2024 and has prior experience at Rohr's and several roles connected to the University of Notre Dame. Outside of finance, he has been involved with youth camps and sports programs, including The Heights School’s summer camps and soccer camp. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Brian Neeley is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory work, he is a passive owner of Bethesda Blues & Jazz, LLC, a music venue and restaurant in Bethesda, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

John Cruikshank is a financial advisor with J.P. Morgan Securities in Washington, DC, holding Series 63 and Series 65 licenses and having 19 years of industry experience. He has been with J.P. Morgan Securities and JP Morgan Chase since 2006. Outside of his advisory role, he is a passive investor in Takoda Navy Yard, a bar and restaurant in Washington, DC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through Wealth Advisors. Their program delivers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence combining quantitative and qualitative research.

Droozong Hon is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and 10 years of industry experience. He has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured planning tools and quantitative models to support its advisory services.

Samuel Gottesman is a financial advisor at Merrill with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Merrill since 2014. Prior to that, he was affiliated with J.P. Morgan Chase Bank and J.P. Morgan Securities Inc. beginning in 2010. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies.

Doreen Candeias is a financial advisor with LPL Financial in Chevy Chase, MD, holding the Series 66 designation and having 14 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Williams Estate & Financial Group, Inc. She is also involved with Capital Financial Planners, a DBA for her LPL business. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research assistance.

Richard Appling is a financial advisor at Raymond James Financial with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including JPMorgan Chase Bank and LPL Financial. Appling is also involved with Atlantic Union Financial Consultants, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base, including individual and high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning and consulting tailored to client goals and supports municipal and public-finance work through an affiliated municipal advisor.

Brian Grimes is a CFP® with 30 years of industry experience, currently affiliated with Cambridge Investment Research Advisors. His prior experience includes roles at Lincoln Investment and Osaic FA, Inc. He also operates as an independent insurance agent through GuideMark Strategic Advisors. Cambridge Investment Research Advisors serves a diverse client base including individual, pension, and charitable organizations by providing financial planning, investment management, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary management across multiple platforms, utilizing proprietary model strategies under the Founders Gate Capital brand.

John Krimigis is a financial advisor at Stifel with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Stifel since 2015. Based in Washington, DC, his career includes over a decade at the firm. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Andrew Miller is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, he worked at Charter Financial Group and has been involved with Honeywood Rentals, a party and event rental business, as an inventory manager and installer. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Mandeep Randhawa is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations. His prior roles include positions at Morgan Stanley and Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jennifer Landgraff is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and one year of industry experience. Her work history includes roles at Morgan Stanley Private Bank, Morgan Stanley, PNC Bank, and Caliber Home Loans. Outside of her advisory work, she manages rental properties in Washington, DC. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that incorporates firm‑approved tools and modeling techniques to support client decision-making.