Joseph Schmerling is a financial advisor with Cetera, holding CFP® and Series 66 credentials and bringing 10 years of industry experience. His prior roles include positions at Avantax Investment Services and 1st Global Advisors, as well as managing Schmerling Financial Group. He serves on the boards of a local Torah school and the Mikvah Emunah Society, contributing through volunteer and finance committee roles. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.

Crystal Barker is a financial advisor at Edward Jones with 16 years of industry experience. She holds the CFP® and Series 66 designations and has worked at Edward Jones since 2018, following roles at PNC Investments and PNC Bank. Outside of advising, she owns JASCO, LLC, which is involved in agritourism and agriculture, and serves as an NRA Certified Pistol Instructor. Edward Jones is a full-service wealth management firm serving a diverse client base, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets across a nationwide network of advisors and offers a range of advisory programs, including discretionary wrap fee strategies and separately managed accounts, while operating under a fiduciary standard.

Andrew Lee is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He previously worked at UBS Financial Services from 2013 to 2023 before joining Wells Fargo Clearing. Outside of his advisory role, he serves as a trustee for a family friend and has a minority ownership interest in an investment-related family LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menus.

Michael Havlik is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 14 years with Metlife Securities Co. Outside of his advisory role, he is an independent insurance agent specializing in health insurance and is a co-owner of Tidecreek Planning, LLC. Mass Mutual Investors Services 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, structuring planning engagements as annual, collaborative relationships that focus on goal analysis and written recommendations.

Gaurika Kapoor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked at Bank of America, Merrill, and T. Rowe Price Investment Services. Outside of her advisory role, she is a co-owner of a family business called Gaurika Sood. Merrill, along 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Danny Vance is a financial advisor with Edward Jones in Arlington, VA, holding Series 63 and Series 66 credentials and over 39 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1986. Outside of his advisory role, he owns and maintains rental real estate properties in Lexington, VA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a wide range of investment advisory programs and affiliated services supported by a nationwide network of over 23,000 financial advisors and more than 15,000 branch offices.

John Henderson III is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisers from 2019 and Voya Financial Advisors from 2014. Outside of his advisory work, Henderson serves on nonprofit boards focused on soccer promotion in Maryland and provides financial oversight and investment guidance for charitable organizations. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a broad range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools, and is notable for its scale, affiliate network, and recent consolidation activity.

Tomas Tekle is a Financial Consultant at Fidelity Investments, where he assists individuals and families in navigating their financial journeys with a focus on confidence, clarity, and security. He emphasizes building long-term relationships grounded in trust, transparency, and personalized guidance. Prior to his current role, Tomas worked as a Relationship Manager at Capital One from 2019 to 2022. His professional experience includes helping clients understand their financial situations, goals, and risk tolerance to develop customized financial strategies. Outside of his professional work, Tomas enjoys family activities, fitness, football, outdoor adventures, reading, and traveling.

Frederick Schultz is a financial advisor at J.P. Morgan Securities with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services, Morgan Stanley, and Citigroup Global Markets. Schultz is employed by both JPMorgan Securities and JPMorgan Bank, enabling him to offer a range of banking products alongside advisory services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process combines quantitative and qualitative research and may incorporate ESG criteria.

Benjamin Claffee is a Series 66-licensed financial advisor at Equitable Advisors with three years of industry experience. Prior to his current role, he held various positions across different sectors including education and retail. Equitable Advisors serves individual clients ranging from non-high-net-worth to high-net-worth, as well as pension plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and utilizes third-party advisory programs alongside their own offerings.

Augustine Smyth is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and 29 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as prior experience at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a broad range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market models to assist in financial decision-making.

George Sopko is a financial advisor at Wells Fargo Clearing with a Series 66 designation. He joined Wells Fargo in 2024 and has prior experience at LimaCharlie, Darktrace, Onloop PTE Ltd, and Deutsche Bank. He was also a full-time student at Colby College for three years. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

William Grace Jr. is a financial advisor at Merrill with 51 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1978 and Bank of America, N.A. since 2017. He authored three books in the 1980s under the name Bill Grace Author. Merrill, along 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, and institutions.

Jeffrey Grodsky is a CFP®-credentialed financial advisor with 17 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Avantax Investment Services, Carmichael & Associates Inc., and AFC Asset Management Services. In addition to his advisory work, he is involved with Palumbo Financial & Tax Services LLC, where he provides tax preparation and accounting services alongside financial planning. 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 discretionary and non-discretionary portfolio management, access to third-party money managers, and various program structures, supporting both model portfolios and bespoke investment strategies.

Hyuk Lee is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with 25 years of industry experience. He has worked at Charles Schwab since 2020 and previously held roles at USAA Investment Management Company and affiliated USAA financial services entities from 2015 to 2020. 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 related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Michael Kline is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, including a role with Morgan Stanley Private Bank, National Association since 2015. Prior to that, he was with Merrill from 2002 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process that incorporates firm-approved tools and market outlook models.

Casey Fiora is a financial advisor at Raymond James & Associates with 12 years of industry experience. She holds the Series 66 designation and has worked at Raymond James since 2018. Prior to that, she held roles at Morgan Stanley and Morgan Stanley Private Bank, N.A. from 2015 to 2018. Raymond James & Associates is a large 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, investment consulting, and municipal advisory services.

Renee Armstrong is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Clearing Services, RBC Capital Markets, and Morgan Stanley. Merrill, along 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gregory Sherwell is a financial advisor with Edelman Financial Engines in Ellicott City, MD, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. His work history includes roles at Financial Engines Advisors L.L.C. and Edelman Financial Services, LLC. Edelman Financial Engines provides technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment approach.

Robert Hobson is a financial advisor with UBS Financial Services in Washington, DC, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Oppenheimer, Merrill Lynch Fenner Pierce & Smith, and PNC Financial. Outside of finance, he worked with the YMCA of Greater Pittsburgh at its Wilmerding Branch. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor investment plans.