Jairo Villatoro is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals, business owners, and families develop strategies to achieve their financial goals. Since beginning his career in the financial sector in 2019 at Northwestern, Jairo has focused on the importance of having a comprehensive financial plan in place, offering expertise in areas including college education planning, corporate executive services, employee benefits, equity compensation, retirement planning, small business strategies, tax minimization, and retirement income. Raised in Salinas, California, and currently residing in Belmont, Jairo graduated from San Francisco State University with a Bachelor of Arts in Sociology. He is a FINRA Series 7 and 66 registered representative and holds the Chartered Retirement Planning Counselor™ and Personal Investment Advisor designations. Jairo’s background as a student-athlete has contributed to his dedication and discipline in his professional career. He is bilingual in English and Spanish and actively volunteers as a high school wrestling coach, further demonstrating his commitment to community involvement. Outside of his professional activities, Jairo enjoys adventure sports, football, music, running, hiking, dining out, attending concerts, and spending time walking on the beach with his dog, Belfi.

Philip Verley is a financial advisor with Primerica Advisors in Lanham, MD, holding Series 65 and Series 63 credentials and having nine years of industry experience. He has worked with Primerica Advisors since 2017 and with Primerica Financial Services since 2015. Outside of finance, Verley operates as a photographer through Verley Photography in Waldorf, MD. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program using model-based investment strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

William Cofer Jr. is a financial advisor at Primerica Advisors with 41 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Primerica since 1985. In addition to his advisory role, he is involved in activities related to sales of investment and loan products, as well as referrals for home security and automation services through affiliated companies. Primerica Advisors is a large-scale advisory firm serving individual investors, corporate, and charitable clients through a wrap-fee asset management program. The firm utilizes model-delivery strategies from unaffiliated asset managers and offers discretionary separately managed accounts, with custody and trade execution supported by Pershing and BNY Mellon Advisors.

Antonio Price is a financial advisor at Wells Fargo Advisors with 11 years of industry experience. He has been with Wells Fargo Advisors since 2016 and previously worked at Morgan Stanley for one year. Outside of his advisory role, he is a 50% owner of KKAP LLC, a delivery contracting business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, using proprietary research and tools to develop tailored recommendations delivered through meetings and client summary letters.

Jamila Pugh is a financial advisor at Fidelity with Series 65 and Series 63 licenses and five years of industry experience. Her prior roles include positions at Spire Wealth Management, Paragon Development Systems, Royal Bank of Canada, and Robert W. Baird. She works within Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes proprietary research, quantitative analysis, and algorithmic portfolio construction in delivering model portfolios and fund advisory services.

John Gerold is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at RBC Capital Markets since 2008 and City National Bank since 2017. Outside of his advisory role, he actively runs a lacrosse program called LAX4LIFE and serves as a committee member advising the business school at Old Dominion University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Grisell Caberopalsson is a financial advisor with Cambridge Investment Research Advisors in McLean, VA, holding Series 63 and Series 65 licenses with 29 years of industry experience. She previously worked at MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company for 23 years before joining Cambridge in 2019. Outside of her advisory work, she operates an independent insurance agency focusing on disability and long-term care insurance as well as variable and fixed annuities. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension funds, and charitable organizations by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers multiple platform options and proprietary model strategies while supporting both discretionary and non-discretionary management approaches.

Schekeeb Sidiqi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and three years of industry experience. Prior to his current role, he worked in real estate with TTR Sotheby's International Realty and BNI Realty. He is also an instructor of German at the German International School Washington DC. 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 employs a large network of advisors and uses research and analytics to support its investment evaluations while offering both brokerage and advisory solutions.

James Garner is a CFP®-credentialed financial advisor with 20 years of industry experience, currently practicing at LPL Financial since 2024. His previous experience includes roles at Janney Montgomery Scott LLC, Financial Engines Advisors, TIAA-CREF, Morgan Stanley, and other firms. Outside of advisory work, he is a co-owner of a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual investors, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a large network of investment adviser representatives.

Charles Rucker Jr. is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Woodbury Financial Services, SunTrust Advisory Services, Capital One Financial Advisors, and Chevy Chase Financial Services. Outside of his advisory work, he is involved in insurance planning and operates a family real estate venture managing rental properties. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with both brokerage and advisory services, using model-based asset allocation and portfolio optimization to deliver a range of investment programs and financial planning solutions.

Dahri Jahn is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. In his role, he works closely with business owners to help secure their wealth and maximize the value of their exit strategies. Dahri and his team utilize Merrill's Proprietary Financial Modeling Tool, the Personal Wealth Analysis, to assist clients in planning for business transitions, advanced tax mitigation, philanthropic planning, and protecting their family wealth. Dahri's areas of expertise include corporate executive services, executive compensation, family wealth management strategies, legacy planning, philanthropic planning, and tax minimization. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the University System of Maryland with a Bachelor's Degree and resides in Bethesda, MD. Dahri's personal interests include hiking, reading, running, and traveling.

Stella Alaba is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds a Series 66 designation and previously worked at Merrill for eight years before joining Wells Fargo Advisors in 2022. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics alongside a mix of brokerage and advisory solutions.

Jeffrey Hilwig is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior work includes a position at Quick & Reilly, Inc. from 2002 to 2003. 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 employs over 14,000 financial advisors, offering a range of brokerage and advisory solutions supported by research and analytics.

Francis Hawkins IV is a financial advisor with Mass Mutual Investors Services. He holds a Series 66 designation and has been with Mass Mutual and its affiliates since 2025. Prior to entering the financial advisory field, he gained experience in various roles including at Earls Kitchen + Bar and Audio Visual Systems LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm structures financial planning as collaborative, ongoing relationships and offers specialized programs such as divorce planning and employer-sponsored planning.

Patrick Kamfolt is a financial advisor at Morgan Stanley with 10 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations and Secular Return Estimates in its financial planning process.

Johnny Yun is a financial advisor at RBC Capital Markets with 30 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at UBS Financial Services and City National Bank. Yun serves on the boards of several nonprofit organizations, including the Central Union Mission, Bridges Global Mission, and Trinity Christian School. RBC Wealth Management, a division of RBC Capital Markets, provides advisory and wealth management services to a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers tailored investment strategies through various advisory programs, integrating both in-house and third-party managers along with tax management and responsible investing options.

Thomas Howes is a financial advisor at Equitable Advisors with five years of industry experience. He holds a Series 66 license and has worked at Vintage Financial Partners and Equitable Advisors. Prior to his finance career, he was employed at Potomac Pizza and taught at Winston Churchill High School. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and asset management programs. The firm uses a network of Investment Adviser Representatives and third-party managers to deliver a range of advisory models and fiduciary services.

Trinity Hammerschmidt is a financial advisor at LPL Enterprise with a Series 66 license and two years of industry experience. Prior to joining LPL Enterprise, she held roles at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of her advisory work, she is involved in horse braiding in Montpelier, VA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by internal and third-party strategists, and it offers a range of financial planning, consulting, and asset management services.

Carlos Ruiz is a financial advisor at LPL Financial with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2021. Prior to this, he was with M&T Securities for eight years and has been affiliated with M&T Bank since 2000. Outside of his advisory work, he is involved in residential property ownership. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice and account management provided primarily by investment adviser representatives using a range of strategies.

Ann Taylor is a financial advisor with Charles Schwab in Gaithersburg, MD, holding a Series 66 designation and 26 years of industry experience. Her prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank. She serves as the treasurer for the local unit of United Methodist Women, a nonprofit volunteer position. 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 combined advisory, brokerage, custody, and cash-sweep platform with both non-discretionary and discretionary investment management options.