Freddie Moultrie is a Senior Financial Advisor with Merrill Lynch Wealth Management based in Washington, DC. With 25 years of experience, he specializes in assisting individuals and institutions in addressing their financial needs through a holistic, consultative approach. Freddie is a senior advisor with the Moultrie Pojani Group, where he leverages expertise in both asset management and balance sheet strategies to support client goals in areas including family wealth management, retirement planning, institutional investment consulting, and liquidity management. Prior to joining Merrill, Freddie served as a Director at Citi Law Firm Group in Washington, DC, where he spent eight years advising senior attorneys on banking, investments, cash flow, and trust and estate planning. His educational background includes a Bachelor's degree with a double major in Finance and Logistics from the University of Maryland at College Park and an MBA from the University System of Maryland. Freddie holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Freddie is involved in his church community and spends his free time enjoying sports such as basketball and football, reading, and family activities.

Apu Patel is currently a Vice President and Financial Consultant at Fidelity Investments, a position held since 2015. He specializes in partnering with clients to construct and implement personalized financial plans designed to work toward their goals. His approach involves understanding clients' priorities to create plans that clients comprehend and feel comfortable with, regardless of life changes. Mr. Patel has over a decade of experience in the financial industry, having held various roles at Fidelity Investments since 2011, including Investment Consultant and Relationship Manager. Prior to that, he worked as an Investor Center Specialist at T. Rowe Price from 2009 to 2011. He holds an Arkansas Insurance License. Outside of his professional career, Mr. Patel has personal interests that include cooking and baking, family activities, swimming, traveling, and yoga.

Angelica Paiva is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and previously worked at RBC Capital Markets, Wells Fargo Clearing, and Navy Federal Credit Union. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Mary Gouveia is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to joining Raymond James, she worked at several firms including Fidelity Brokerage Services LLC, Merrill, and SunTrust. Outside of her advisory role, she was the owner of A La Carte Event Rentals Inc., where she managed the business books and records. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual investors, high-net-worth clients, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a municipal advisor affiliation.

Michael Feeley is a financial advisor at Raymond James & Associates in Washington, DC, holding Series 65 and Series 63 licenses with 11 years of industry experience. His career includes roles at LMI, Retirement Wealth Advisors, Inc., and Monumental Financial Group. Raymond James & Associates 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, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Urandari Naranbat is a Series 66 licensed financial advisor with 8 years of industry experience, currently with Wells Fargo Clearing Services, LLC, where she has worked since 2010. She is based in Washington, DC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

Anna Behnam is a financial advisor with Ameriprise in Bethesda, MD, holding a Series 66 designation and 26 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Outside of her advisory role, she serves on the board of Dast2Dast, Inc., participates in charitable events with organizations such as Feed the Homeless and Yellow Boomerang, and is a board member of the Pike District Partnership. She also pursues photography work for a local church. Ameriprise provides retirement-income planning services primarily for individuals with at least $1 million in investable assets, delivering non-discretionary, research-based recommendations focused on income, Social Security, and tax-efficient withdrawal strategies. The firm combines algorithmic analysis with advisor partnership and offers a broad range of advisory, brokerage, and insurance solutions.

Maria Clarke is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 11 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2021, and previously at Bank of America N.A. and Merrill Lynch from 2014 to 2021. Clarke serves on the Finance and Investment Subcommittee as a board member of Rosalind Franklin University of Medicine and Science, a nonprofit medical school. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm’s approach integrates quantitative asset-allocation modeling with centralized due diligence and uses an ESG eligibility framework in its recommendations.

Fareena Cortez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2022, following prior roles at Chevy Chase Trust and First Command Financial Services. Cortez’s background also includes service in the U.S. Air Force from 2015 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities as a subsidiary of J.P. Morgan.

Zach Spradlin is Vice President and Wealth Planner at Fidelity Investments, where he has worked since 2010 in various roles. In his current position since 2022, he focuses on protecting clients' wealth by understanding their priorities and assisting in effective decision-making. Over his career, Zach has held several positions including Financial Consultant and Investment Consultant, gaining experience in wealth planning and financial consulting. His approach emphasizes listening to clients to simplify complex financial matters and prioritize their needs. Outside of work, Zach has interests in football, golf, and pets.

Stephanie Hernandez is a financial advisor at RBC Capital Markets with a Series 66 designation and three years of industry experience. She has been with RBC Capital Markets since 2019 and previously worked at Bank of America/Merrill Lynch from 2013 to 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, corporations, and charitable organizations. The firm offers multiple advisory programs with a variety of portfolio management and financial planning services, utilizing both in-house and third-party investment managers to tailor strategies based on each client’s Advisory Risk Profile.

Thomas Lamar is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, FD Stonewater, and the International Tennis Hall of Fame Incorporate. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Mitchell Davis is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. He has worked with Charles Schwab Bank, SSB, and Charles Schwab & Co., Inc. since 2018. Prior roles include positions at Ironman Corporation and contributions at DePauw and Alpha Chi Omega. 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, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and alternative investment due diligence.

Jacob Sandala is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2013, progressing through roles including Financial Consultant, Investment Consultant, Central Relationship Manager, Investments Solution Representative, Premium Relationship Associate, and Broker. With 13 years of professional experience at Fidelity, Jacob focuses on providing financial planning and guidance tailored to businesses, families, charitable organizations, and high-net-worth individuals. He emphasizes planning for specific goals, development needs, growth objectives, and wealth protection, utilizing Fidelity's platform. Outside of his professional role, Jacob has personal interests including art, cooking and baking, fitness, playing instruments, snowboarding, and traveling.

William Hall is a financial advisor with LPL Financial, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in non-variable insurance and manages a real estate rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting through a national network of investment adviser representatives.

Peyton Randolph is a CFP® and Series 66-licensed financial advisor at Raymond James Financial with one year of industry experience. Prior to his current role, he has worked in a variety of positions including at Virginia Tech Dining Services and as an advisor for Financial 360, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through specialized affiliations and advisory programs.

Timothy King is a financial advisor with LPL Financial in Rockville, MD, holding the Series 66 designation and 19 years of industry experience. He has been with LPL Financial since 2007. Additionally, he is a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Sheldon Foreman is a Financial Advisor with Merrill Lynch Wealth Management. He works with established professionals and their families to develop personalized wealth management strategies. His approach begins by identifying clients' financial goals and then building plans aligned with their priorities, addressing areas such as employee benefits planning, executive and equity compensation, family wealth management, legacy planning, and retirement income. Sheldon holds a Bachelor's Degree in Economics from Swarthmore College. He has earned professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Throughout his career, he has assisted clients in managing concentrated stock situations, formulating broad investment strategies, and planning across multiple generations. Originally from Austin, Texas, Sheldon currently resides just outside Washington D.C. His personal interests include basketball, cooking, reading, spending time with family, and traveling.

Victorino Manlapaz is a CFP® professional with over 30 years of industry experience. He has been with Cambridge Investment Research Advisors since 2013. In addition to his advisory role, he serves as president of Legacy Financial Group, LLC, and is a board member of the Nassau Village Condo Association. Cambridge Investment Research Advisors is a large SEC-registered firm serving a wide range of clients including individuals, pension plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, with investment approaches that include proprietary models, third-party strategists, and both discretionary and non-discretionary portfolio management.

Scott Mcgraw is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in financial services at Merrill Lynch in 1993. Scott is committed to providing attentive and personalized service, developing strong relationships with clients through regular communications. His work focuses on helping clients pursue their long-term financial goals. Scott assists clients in funding their retirement, supporting their children's education, and facilitating the preservation and transfer of wealth. He holds a Bachelor's degree in Finance from the University of Maryland and is a CERTIFIED FINANCIAL PLANNER® certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Scott also holds the Personal Investment Advisor (PIA) designation. Scott and his wife, Jennifer, reside in Rockville, Maryland, where they raise their four children.