Kenneth Shure is a financial advisor with Morgan Stanley in Bethesda, MD, holding Series 63 and Series 65 licenses and having 28 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney and Citigroup Global Markets since 2009 and 1998, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Robert Digsby is a Series 66-licensed financial advisor with Edward Jones in Odenton, MD, where he has worked for 13 years. He has 12 years of industry experience. Outside of his advisory role, he owns one rental property. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Steven Heger is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been associated with LPL Financial since 2013 and has concurrent roles at HUB International and Global Retirement Partners, LLC. Outside of his advisory work, he is involved with A Pineapple Life, a non-investment related business entity. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Zachary Goddard is a financial advisor at Morgan Stanley in Bethesda, MD, holding a Series 66 designation with three years of industry experience. His prior roles include positions at Truist Investment Services, Morgan Stanley Smith Barney LLC, Bank of America, and the Food and Drug Administration. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services across retail and institutional sectors.

Justin Kuczynski is a financial advisor at Ameriprise with 20 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the Board of Directors and as Treasurer for Housing Our Homeless Vets, a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Vincent Vaghi Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and bringing nine years of industry experience. He previously worked at Park Avenue Securities and Guardian Life Insurance Company. He is also an insurance agent selling fixed insurance products, including life, disability, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements focused on collaborative goal analysis and written recommendations.

Scott Wallace is a financial advisor with Edward Jones, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2021, he worked at PYXERA Global and Population Services International. Outside of his advisory role, he is a program manager with the Vassar Broermann Group of Compass Real Estate in Washington, DC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory strategies, separately managed accounts, and affiliated investment products, supported by a nationwide network of over 23,000 advisors and more than $1 trillion in assets under management.

Andrew Guarente is a financial advisor with Raymond James & Associates in Rockville, MD, holding Series 63 and Series 66 designations and bringing seven years of industry experience. He previously worked at J.P. Morgan Securities and J.P. Morgan Chase & Co. from 2013 to 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing roughly $501 billion in assets and serving a diverse client base that includes individuals, institutions, pension plans, and charitable organizations. The firm provides non-discretionary financial planning and consulting services, drawing on a wide range of portfolio management styles and affiliated research.

Philip Charlemagne is an Investment Consultant currently working with Fidelity Investments since 2024. He specializes in working with individuals and families to develop investment and planning strategies tailored to their goals. His approach involves understanding clients' objectives and emphasizing the importance of assigning roles to assets to pursue those goals effectively. Philip has experience as a Financial Advisor and Registered Representative, having worked at MML Investor Services, LLC and Park Avenue Securities during 2022. He also served as a Financial Solutions Advisor at Bank of America: Merrill Lynch Wealth Management from 2022 to 2024. Outside of his professional work, Philip has personal interests that include baseball, fitness, running, soccer, and traveling.

Jamie Waldren is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He has previously worked at Wells Fargo Clearing and operated JN Private Wealth Management, where he authored the book *Exit on Your Own Terms*. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients, offering tailored, non-discretionary advice supported by advanced analytical tools. The firm also supports municipal and public finance work through a unique affiliation and offers specialized advisory programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Kathleen Kennedy is a financial advisor with LPL Financial in Rockville, MD, holding a Series 66 designation and having eight years of industry experience. Her previous roles include positions at Grove Point Advisors, Ameriprise Financial Services, and Discover Financial Services. In addition to her advisory work, she is involved with Corporate Benefit Services, Inc. in Rockville, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, retirement plan consulting, and brokerage services, utilizing research from LPL Research and third-party subadvisors across discretionary and non-discretionary management strategies.

Bruce Pearlman is a financial advisor with Cetera, holding the PFS™ designation and Series 66 license, and has 24 years of industry experience. He previously worked at Avantax Insurance Agency and Avantax Advisory Services for over two decades. He is an emeritus member of the National Capital Chapter board of the MS Society. Cetera Investment Advisers LLC serves individual clients, retirement plans, corporate, charitable, and institutional accounts through a large network of independent advisors, offering portfolio management, financial planning, and access to multiple investment strategies and third-party managers.

Rajat Rajan is a CFP® professional with 38 years of industry experience, currently serving at LPL Financial since 2020. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC, accumulating ten years of experience at those firms. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of advisers. The firm offers various advisory programs, retirement plan consulting, and brokerage services while providing both discretionary and non-discretionary management supported by in-house and third-party research.

Ryan Poirier is a CFP® professional with 20 years of industry experience, currently serving at Edelman Financial Engines since 2025. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a proprietary modeling process combined with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment orientation.

Sarah White is a financial advisor with Mass Mutual Investors Services and has 34 years of industry experience. She holds Series 63 and Series 65 credentials and has been with MML Investors Services, Inc. and Mass Mutual Life Insurance Company since 1991. In addition to her advisory role, she is involved in sales of life, health, group life, and group health insurance. 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, emphasizing collaborative, goal-based planning and various specialized programs such as divorce and estate-settlement planning.

Steven Goldberg is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations. Goldberg previously worked at Lincoln Financial Advisors and SunTrust Advisory Services. Outside of advising, he serves as a notary public. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios with a wide range of investment options.

Daniel Eastep is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving individuals and families since 2004. He specializes in providing personalized retirement planning and investment management services for corporate executives, affluent individuals, families, and business owners. His approach emphasizes long-term strategies, personal attention, and consistent client experience, focusing on managing risk and creating opportunities through structured investment programs. Prior to joining Merrill Lynch, Daniel spent seven years as an accountant and auditor. He is an Army veteran and holds a Bachelor of Business Administration degree in Accounting from Radford University. Daniel is a CERTIFIED FINANCIAL PLANNER® certificant through the Certified Financial Planner Board of Standards, Inc., and has completed Georgetown University's Executive Certificate in Financial Planning program. His professional designations also include Accredited Domestic Partnership Advisor (ADPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Daniel resides in Dunn Loring, Virginia, with his wife Heather and their two children. Outside of his professional role, he enjoys basketball, biking, camping, golfing, music, reading, spending time with family, tennis, traveling, and watching movies.

Roberta King is currently serving as Vice President and Branch Leader at Fidelity Investments, a position she has held since 2020. She is focused on hiring, training, and developing a team of financial professionals committed to a purpose of helping people. Roberta's career at Fidelity Investments spans nearly two decades, beginning as a Full Trader in 2005. She progressed through roles including Private Client Specialist, Branch Service Manager, and Assistant Branch Manager before assuming her current leadership role. Her extensive experience within the company encompasses various facets of financial services and branch management. Outside of her professional responsibilities, Roberta enjoys a range of personal interests such as board games, hiking, painting, tennis, traveling, and yoga.

Michael Stone is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining Charles Schwab in 2025, he worked at Bankers Life and Bankers Life Advisory Services, Inc., and has experience in the insurance and financial services sectors. 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, offering clients multi-asset model portfolios supported by centralized custody and operational infrastructure.

Carson Henry is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held positions in various fields including technology at Varonis and legislative work with a member of the House of Representatives. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a variety of third-party programs and platforms. The firm utilizes a hybrid referral and implementation model that incorporates both advisory and brokerage channels.