Anne Byerly is a Planning Consultant at Fidelity Investments, a role she has held since 2025. Prior to this, she worked as a Financial Advisor at Edward Jones from 2018 to 2025. She holds a California Insurance License. Anne focuses on building personal relationships with clients by understanding their unique financial needs. She collaborates closely with clients to develop plans aimed at protecting, managing, and growing their wealth. Outside of her professional work, Anne enjoys spending time at the beach, engaging in family activities, social events with friends, reading, traveling, and volunteering.

Tinotenda Nyawata is a financial advisor at Charles Schwab with three years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments and NewWave Trading LLC. Charles Schwab & Co., Inc. serves a large client base, 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 advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and research-driven investment guidance.

Constantine Tsantes is a CFP® with 12 years of industry experience, currently serving at Cetera. He has worked at several firms, including Financial Engines Advisors L.L.C. and Edelman Financial Services. Tsantes is also involved in administrative duties at VLP Financial Advisors. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, accommodating both discretionary and non-discretionary authority structures.

Lisa Eitzel is a financial advisor at Edelman Financial Engines with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within the firm and its predecessors since 2007. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven modeling process combined with planner delivery and online tools, offering a range of discretionary and non-discretionary investment options.

Devon Varcoe is a financial advisor at Ameriprise with a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked in the hospitality sector at Gaspar's Grotto and Foxboro Sports Tavern. He also serves as a para-planner for DSKG, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that offers written recommendation reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Sean Dooley is a CFP®-credentialed financial advisor with 26 years of industry experience, currently with Wells Fargo Advisors since 2015. He also owns SDJS and Associates LLC, a financial practice based in McLean, VA. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services, offering a broad range of planning options tailored to clients who meet specific net-worth thresholds.

Gerald Radican is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Mass Mutual and its affiliates since 1994. Outside of his advisory role, he serves as an advisor involved with life settlements and viatical settlements through Veritas and is engaged in wealth consulting activities. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships utilizing firm-approved analytical tools.

Chad Johnson is a financial advisor with Morgan Stanley in McLean, VA, holding Series 63 and Series 66 licenses with 11 years of industry experience. He has worked at Morgan Stanley and E*TRADE since 2017 and previously spent time at Wells Fargo Advisors. Outside of his advisory role, he manages a rental property on a limited basis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and the Global Investment Committee’s return estimates.

Michael Oswald is a Series 66 licensed advisor at Charles Schwab with nine years of industry experience. His prior roles include positions at Edward Jones, Pruco Securities LLC, and The Prudential Insurance Company of America. He is currently based in Leesburg, VA. 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 offers a combination of non-discretionary and discretionary investment guidance, utilizing multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Syed Islam is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and six years of industry experience. His career includes roles at Wells Fargo Bank N.A. and J.P. Morgan Securities. 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 advisory solutions. The firm’s process is guided by investment policy statements and modern portfolio theory, and it includes a broader range of financial products than typical institutional advisers.

Jordan Ciulla is a financial advisor with Charles Schwab holding CFP®, Series 63, and Series 66 designations, and has seven years of industry experience. His background includes roles at Fidelity Brokerage Services, E*Trade Securities, and Altura Financial Advisors before joining Charles Schwab in 2021. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, providing a combination of advisory, brokerage, custody, and financial planning services. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and research from the Schwab Center for Financial Research.

Savita Uttamsingh is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Esterlyn Fernandez is a Vice President and Wealth Planner at Fidelity Investments, a position she has held since 2023. In this role, she partners with clients and their families to develop and maintain financial plans tailored to their unique financial goals, emphasizing a relationship built on trust. Esterlyn's experience spans several roles within Fidelity Investments, including Financial Consultant, Planning Consultant, Relationship Manager, and Central Relationship Manager, dating back to 2016. Prior to joining Fidelity, she worked as a Universal Branch Associate at Capital One Bank from 2014 to 2016. Outside of her professional responsibilities, Esterlyn has interests in cooking and baking, family activities, gardening, parenthood, and softball.

Matthew Duran is a financial advisor at Cetera with 21 years of industry experience. He has held positions at Cetera since 2019 and previously worked at First Investors Corporation from 2005 to 2019. He holds Series 63 and Series 65 licenses. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment strategies, supporting over 10,000 advisors and more than $256 billion in assets under management.

Alexander Bowman is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera Wealth Services, LLC and Bowman Gaskins Financial Group, Inc. He is also involved in managing several real estate entities. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform. The firm offers a range of portfolio management, financial planning, and retirement services, with access to both affiliated and third-party money managers.

Brian Arezzo is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2007 after founding the Arezzo Chirles Team at another financial institution in 2003. Brian holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor™ (CRPC), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor of Science degree in Finance from Syracuse University. His areas of expertise include college education planning, education planning, personal retirement planning, tax minimization, and retirement income. Brian has served on the Board of Trustees for Loudoun Country Day School in Leesburg, Virginia, from 2014 to 2019 and was a member of the Father Wasson Legacy Endowment Board of Directors from 2009 to 2014. He resides in Arlington, Virginia.

Raymond Scott is currently serving as Vice President Private Wealth Management Advisor at Fidelity Investments. In this role, he partners with clients to develop strategies focused on wealth accumulation, preservation, and legacy planning. He has held various positions within the financial services industry, including Vice President, Wealth Management Advisor at Fidelity Investments since 2025, and prior to that, Vice President, Wealth Planner at Fidelity from 2022 to 2025. His earlier experience includes roles as Institutional Sales Consultant and Client Relationship Advisor at Homestead Funds from 2017 to 2021. Outside of his professional responsibilities, Raymond is interested in fitness, football, social events with friends, and parenthood.

Timothy Richardson is a CFA® charterholder with 12 years of industry experience. He is currently affiliated with Cetera and has held roles at Greenspace Financial, Avantax, Raymond James, and other financial firms. Outside of advisory work, he provides tax preparation services through his own DBA, Greenspace Financial, and volunteers assisting older adults with transportation and civic voting activities in Fairfax County. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, supporting both discretionary and non-discretionary investment strategies.

Millicent Eubanks is a financial advisor at Morgan Stanley with 36 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. She serves on the advisory board of the Insured Retirement Institute, a trade association for financial service and insurance companies. 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 supported by firm-approved tools and serves clients through various advisory and institutional platforms.

Yvonne Wyer is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. 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.