Christine Papadopoulos is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 65 and Series 63 licenses and has worked at Merrill since 2017, following brief roles at JP Morgan Securities LLC and JPMorgan Chase Bank. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Phimmasone is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, Woodbury Financial Services, and PIM Capital. 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, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Maritza Hernandez is a Series 66-credentialed financial advisor with 11 years of industry experience. She has worked at Raymond James & Associates since 2025, following nine years at Morgan Stanley Private Bank and Morgan Stanley. 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 a range of financial planning and investment consulting services supported by extensive research and multiple portfolio management styles.

John Butz is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and has prior work experience at SAIC, Fairfield University, and St. Andrews Episcopal School. 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 and operates both brokerage and advisory solutions supported by research and portfolio theory.

Carla Britton Ramsey is a CFP® professional with three years of industry experience, currently serving as a financial advisor at Edward Jones. Her prior positions include roles at Raymond James Financial Services Advisors, T Rowe Price Investment Services, and The Vanguard Marketing Corporation. She also operated Carla Ramsey Financial Coaching LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Jonathan Frantz is a financial advisor at Wells Fargo Clearing with a Series 66 designation. He has no prior industry experience but served 10 years in the United States Army before joining the firm. He also has a one-year work history at Georgetown University. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets with more than 14,000 financial advisors and provides both brokerage and advisory solutions.

Nelson Montes Torres is a financial advisor with Wells Fargo Clearing in Fairfax, VA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America, CVS, Uber, and Target. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and uses modern portfolio theory, acting as an ERISA fiduciary and providing both discretionary and non-discretionary services.

Jin Park is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2000 and has been with Merrill Lynch since 2015. Jin holds a Bachelor's degree from Salisbury State University and an MBA in Finance from the University of Texas at Austin. He is a Personal Investment Advisor (PIA) and brings his extensive experience to each client relationship. Jin specializes in areas such as equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He collaborates with clients' attorneys and accountants to align financial and legacy plans with clients' goals, which include building retirement assets, planning for education, and minimizing taxes. Jin manages fewer than 50 clients, providing tailored and customized plans and portfolios specific to each client's needs. Fluent in English and Korean, Jin manages his own wealth similarly to how he manages clients' assets. Outside of his professional work, he enjoys basketball, football, golfing, hiking, and reading. He also values spending time with his daughter and occasionally plays golf.

Leonard Warren is a CFP® professional with 33 years of industry experience. He is currently with RBC Capital Markets, where he has worked since 2023, following a 13-year tenure at Janney Montgomery Scott. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with customized investment strategies implemented through a mix of in-house and third-party managers, integrating portfolio management, financial planning, custody, and brokerage services.

Andrew Fincher is a CFP® professional with six years of experience in the financial advisory industry. He is currently with Cetera and has held roles at Cetera Wealth Services, VLP Financial Advisors, and Cassaday and Company. Fincher serves as a board member and committee chair for the Financial Planning Association, focusing on networking and collaboration with young planners in the Washington, DC area, and is also a board member of the Virginia Tech Financial Planning Advisory Board. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients with a variety of portfolio management, planning, and consulting services. The firm offers multiple program structures, including discretionary and non-discretionary authorities, and provides access to affiliated and third-party investment managers.

Julia Jarrett is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and six years of industry experience. She has worked with Wells Fargo Clearing Services LLC since 2019 and Wells Fargo Bank NA since 2014. Outside of her advisory role, she serves as a power of attorney for her father. 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 incorporates modern portfolio theory, with a broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

Heidi Partida is a Series 66-licensed financial advisor with two years of industry experience. She has worked at Edward Jones since 2025 and previously held roles at Guidance Investments LLC, Guidance Securities LLC, and Guidance Residential. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm offers various advisory strategies and maintains a large nationwide network of advisors and branch offices.

Julio Villazon is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing Services, Wells Fargo Bank, Bank of America, and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Stephen Foki is a financial advisor with Morgan Stanley in Reston, VA, holding Series 63, 65, and 66 licenses and 14 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at Charles Schwab and Schwab Bank for eight years and had brief roles at Clarion Wealth Management Partners and Groff Landscape Design, LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Brett Chelf is a financial advisor with Charles Schwab based in Tysons Corner, VA, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. He has been with Charles Schwab since 1995 and has worked at Charles Schwab Bank since 2005. 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 offers a combination of non-discretionary and discretionary investment advisory options supported by multi-asset model portfolios and centralized custody and brokerage services.

Gregory Koenen is a financial advisor with Ameriprise in Vienna, VA, holding a Series 66 designation and 23 years of industry experience. His career includes roles at Ameriprise Financial Services, LPL Financial, and Waddell & Reed, Inc. He is also involved in independent insurance brokering, specializing in long-term care with Mutual of Omaha. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Evan Rowland is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, U.S. Trust. 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 using model-based and discretionary investment strategies.

Craig Walker is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Luc Sebrechts is a financial advisor with Morgan Stanley in Reston, VA, holding a Series 66 designation and nine years of industry experience. Prior to joining Morgan Stanley in 2017, he worked at Edward Jones for one year. Outside of his advisory role, Sebrechts coaches high school baseball players through the Bradley Baseball Academy. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide array of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Elzara Shukurova is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and two years of industry experience. Her prior work includes roles at Wells Fargo Bank, RNCB Bank, and a position at Sagar Hospitality LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical large institutional advisers.