David Heinemann is a CFP® professional with 27 years of industry experience, currently advising at Edelman Financial Engines. His career includes roles at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Heinemann serves on the Board of Directors for the Lutheran Church of St. Andrew in Silver Spring, MD. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, offering diversified portfolios and long-term oriented investment management.

Peggy Ledvina is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following prior roles at Citigroup Global Markets and AllianceBernstein L.P. Outside of her advisory role, she is involved as managing member in a real estate investment entity. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Devin Johnson is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and Schwab Private Client Investment Advisory, Inc. Outside of finance, he has experience in the construction industry and worked at Langston University. Charles Schwab serves a large client base primarily composed of 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 provides integrated custody, brokerage, and cash-sweep services.

Elizabeth Cruz is a financial advisor with Ameriprise Financial Service, LLC, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Ameriprise since 2013, initially at Ameriprise Financial Service, Inc., before continuing at the current entity since 2020. Outside of her advisory role, she has involvement in real estate ownership. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service that provides detailed Recommendation Reports addressing income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver personalized, non-discretionary advice, primarily for clients with significant investable assets managed within Ameriprise.

Timothy Stocker is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009 and City National Bank since 2017. Outside of his advisory role, he serves as an officer and volunteer for the Knights of Columbus, assisting with facility operations and fundraising initiatives. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations with personalized advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm utilizes a combination of in-house and third-party investment managers and offers various options for portfolio customization and tax management.

Lorenzo Ascoli is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Outside of his financial career, he is also active as a musician. 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 charitable organizations, offering tailored financial planning and consulting services primarily on a non-discretionary basis.

Edlin Figueroa is a financial advisor at Morgan Stanley with two years of industry experience. He previously worked at Merrill for four years and spent six years at Marstudio, Inc. before joining Morgan Stanley. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and modeling tools to assist clients in planning.

Blair King is a financial advisor at Edward Jones in Kensington, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he spent ten years with the U.S. Agency for International Development. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

William Morgan III is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Ameriprise and its related entities since 2006. Outside of his advisory role, Morgan serves as Vice President on the Board of Directors for the Vistas at Turf Valley Home Owners Association and participates in the Finance Committee for the Church of the Resurrection; he also owns a consulting business, MNC Management Group, LLC, and is involved in independent insurance brokering. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, offering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through its large institutional platform and utilizes algorithmic automation alongside human oversight to deliver personalized retirement income strategies.

Richard Dimaio II is a financial advisor with Morgan Stanley in Bethesda, MD, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2009. He serves as a board member for the Archdiocese of Washington DC Catholic Cemeteries. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers comprehensive investment and planning services through its extensive network of financial advisors.

Katherine Kohler is a financial advisor at Thrivent Investment Management with 20 years of industry experience. She holds the Series 66 credential and has been with Thrivent and its affiliated entities since 2006. Outside of her advisory role, she serves as an adjunct faculty member at the University of Maryland Baltimore County, teaching an undergraduate course on Intercultural Communication. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers a broad range of topics and integrates with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and investment management services separate.

Robert Keller is a financial advisor at LPL Financial with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones, Wells Fargo Clearing, SolarCity, Road Runner Sports, Waddell & Reed, Woodbury Financial Services, Merrill, and Morgan Stanley Dw Inc. Keller operates Keller Wealth Advisory, LLC as a business related to his work at LPL. 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 advisory and brokerage services, including financial planning and model portfolio programs, supported by a network of advisors using LPL research, third-party subadvisors, and customized strategies.

Annalise Haywood is a financial advisor with LPL Financial in Rockville, MD. She holds the Series 66 designation and has one year of industry experience. Her previous roles include positions at Mission Group and Cardinal Group Companies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Robert Lembo is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 39 years of industry experience. His career includes longstanding roles at Guardian Life Insurance Co. of America, National Life, MetLife Securities, and Massachusetts Mutual Life Insurance Company. He also works as an independent insurance agent specializing in dental and group disability income, fixed annuities, long-term care, life, accident, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning using firm-approved analytical tools and offers asset management, wrap and money-manager programs, and educational seminars.

Nicholas Garcia is a financial advisor at Charles Schwab with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2018, following five years at Scottrade, Inc. He also spent a year at the Robert H. Smith School of Business at the University of Maryland. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering a combination of advisory, brokerage, custody, and cash-sweep services through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab’s model includes both non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset portfolios and a centralized operational structure.

Michael Williams is a financial advisor with Merrill in North Bethesda, MD, holding a Series 66 designation and 14 years of industry experience. He has been with Bank of America, N.A. and Merrill since 2012. Outside of his advisory role, he holds power of attorney for an entity based in Doylestown, Pennsylvania. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tara Tucker is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Anne Benson is a financial advisor at Wells Fargo Advisors with a Series 66 designation and three years of industry experience. Her prior work history includes roles at Wells Fargo Clearing, J.P. Morgan Securities, Northwestern Mutual Investment Services, Merrill Lynch Wealth Management, and a position with the United States Senate. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, and special-needs analysis.

Ross Charkatz is a financial advisor with Morgan Stanley in Potomac, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He previously worked at Citigroup Global Markets before joining Morgan Stanley Smith Barney in 2009 and Morgan Stanley Private Bank in 2015. He serves on the board of the University of Maryland Hillel, a nonprofit organization. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialized investment and trading activities.

Cynthia Schollard is a financial advisor at Cetera with a Series 65 credential and three years of industry experience. She has worked at Cetera since 2025 and previously held roles at OSAIC and American Portfolios Advisors, Inc. Schollard is also the co-founder of Wexya LLC, where she provides financial education to clients. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.