Brandon Westerfield is a CFP® and ChFC® affiliated with Charles Schwab, with four years of industry experience. Prior to joining Schwab, he worked at Fidelity Investments and held roles at WL Holdings, Instacart, and Grubhub. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment advisory services supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Corey Edwards is a financial advisor at Merrill with Series 63 and Series 65 designations and 24 years of industry experience. He has been with Merrill since 2009 and has also maintained a role with Bank of America, N.A. since 1998. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients through managed account programs, third-party manager selection, discretionary portfolio management, and brokerage services. The firm integrates closely with Bank of America affiliates and offers multiple program strategies with an emphasis on tax-efficient investment management.

Shaviaea Williams is a financial advisor with LPL Financial in Rockville, MD, holding Series 63 and Series 65 licenses and having two years of industry experience. Her prior work includes roles at T. Rowe Price, ODU Security, TowneBank, and several other organizations. She has also worked in delivery services and legal support, and spent five years at Norfolk State University. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by technology tools for research and operations.

Niki Wheeles is a financial advisor with LPL Financial in Bethesda, MD, holding a Series 65 credential and having three years of industry experience. Before joining LPL in 2022, she worked at Edelman Financial Engines and MidAtlantic IRA, LLC. Outside of her advisory role, she serves as a part-time assistant coach for the Metro Volleyball Club of D.C. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of over 22,800 advisors with diverse investment strategies, technology tools, and a broad platform that includes insurance and banking partnerships.

Ugwumsinachi Ihearahu is a financial advisor with Charles Schwab in Gaithersburg, MD, holding Series 63 and Series 66 licenses and having eight years of industry experience. Prior to joining Charles Schwab, Ihearahu worked at T. Rowe Price and TD Ameritrade. 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 advisory relationships and access to discretionary separately managed accounts using multi-asset model portfolios and an established alternative-investment platform.

Sarah Adam is a Series 66-licensed financial advisor with Edward Jones, based in Bethesda, MD, and has one year of industry experience. She previously served on the Advisory Board at Optum for six years and was involved with the American Nurses Association for five years. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients with a variety of investment strategies and affiliated financial services, managing approximately $1.01 trillion in assets under management.

Nancy Skonberg is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors. She previously worked at Holy Trinity School for 16 years before joining Wells Fargo Advisors in 2019. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition planning and special-needs analysis, utilizing proprietary research and tools to develop tailored recommendations.

John Austin is a financial advisor at Cetera with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and affiliated firms since 2013. He also serves as a parish council member at St. Louis Catholic Church in Clarksville, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and both affiliated and third-party money managers.

Gregory Stuart is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds the Series 66 designation and has worked at Bank of America, Merrill, and Morgan Stanley since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a broad range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Deborah Smith is a financial advisor with Morgan Stanley in Bethesda, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Her career includes roles at Morgan Stanley Private Bank, Wells Fargo Clearing, and Prudential Equity Group. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.

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. His prior roles include positions at Wells Fargo Clearing, UBS Financial Services, Banc of America Investment Services, and Morgan Stanley DW Inc. Outside of finance, he is active as a musician. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, charities, and government entities. The firm offers tailored financial planning and consulting services, with access to diverse portfolio management strategies and a notable municipal advisory practice.

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.