Kevin Espy is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Merrill, Bank of America, New York Life Insurance Co., and Axa Advisors. Before entering the financial sector, he was employed at educational institutions including the Solomon Schechter School of Westchester and The Ideal School of Manhattan. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets with a nationwide network of over 23,000 advisors and offers a range of advisory programs with both discretionary and non-discretionary strategies under a fiduciary standard.

Joseph Lampman is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. Prior to entering the financial industry, he spent eight years in full-time education. 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 strategies developed by internal teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jamal Smith is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019 and has prior experience at Smartlink LLC, NewDayUSA, and several other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

John Wohlgemuth is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and two years of industry experience. His prior work includes roles at AT&T and Georgetown University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Sharon Chapman is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has worked at Raymond James Financial since 2009 and has held roles at PB Mares, Santos, Postal & Company P.C., and Capital Wealth Management Group LLC. Her experience also includes insurance work dating back to 2006. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm utilizes detailed risk profiling and modeling tools and supports a wide network of advisors through tailored, non-discretionary planning and consulting services.

John Gibson Jr. is a CFP® with 31 years of experience in the financial services industry, currently associated with LPL Financial since 2023. His prior roles include positions at Fulton Bank, Raymond James Financial Services, and M&T Securities. In addition to his advisory work, he serves as a notary in Annapolis, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Udeme Greens is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior work experience across various sectors, including marketing, consulting, and retail. Greens is also the owner of Udeme Greens Global, a business focused on product sales for additional income. Merrill 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, pension and profit-sharing plans, corporations, and charitable organizations.

Constance Gibson is a Planning Consultant at Fidelity Investments, a role she has held since 2025. In this capacity, she works closely with clients to understand their goals and priorities, collaborating with them to develop tailored financial plans. Prior to her current position, Ms. Gibson served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2022 to 2024. Before joining Fidelity, she worked as a Senior Branch Banker at PNC Bank from 2019 to 2022.

Gabrielle Bulgari is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and nine years of industry experience. She worked at Merrill from 2016 to 2021 before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.

Colleen Schuler is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party subadvisors, and technology-driven strategies.

Tina Zemba is a financial advisor with UBS Financial Services in Bethesda, MD, holding Series 66 and Series 63 licenses and bringing 24 years of industry experience. Her prior roles include positions at Arete Wealth Management LLC, DiMeo Schneider & Associates LLC, and Orion Investment Advisors. Outside of her advisory work, she serves as secretary for a homeowner’s association in Olney, MD, where she participates in community meetings and improvement efforts. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm integrates proprietary research, model-based asset allocations, and institutional trading capabilities to tailor financial plans and portfolio management to client goals and risk tolerances.

Jeffrey Rubin is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been with UBS since 2013. UBS Financial Services Inc. 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 provides research-driven, tailored investment strategies.

John Cortale is a financial advisor at Ameriprise with 24 years of industry experience. He holds a Series 66 designation and previously worked at LPL Financial for nine years before joining Ameriprise in 2024. He also serves as a financial literacy coach, providing budgeting and basic financial literacy education to various institutions. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Herlin Reyes Ramos is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2017, including his current role at Merrill beginning in 2022. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Clare Cunniff is a Financial Advisor at Merrill Lynch Wealth Management, where she assists clients in managing their financial lives with a focus on tax-sensitive investment guidance. Since joining the team in 2022, she has worked with affluent individuals and families, tailoring strategies to meet their unique needs and financial goals. Clare earned her Bachelor's degree in Finance from Elon University and holds several professional designations, including Chartered Financial Consultant (ChFC), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Her areas of expertise include college education planning, family wealth management strategies, managing new wealth, portfolio management services, tax minimization, and retirement income. She currently resides in the DuPont Circle neighborhood of Washington, DC. Clare’s personal interests include golfing, ice hockey, pickleball, running, skiing, tennis, traveling, and spending time with her family.

Kevin Xiong is a financial advisor at J.P. Morgan Securities in Washington, DC, holding a Series 66 designation with one year of industry experience. His prior roles include positions at McKinsey & Company and Truveta, as well as involvement with Cedar Cares, Inc., a nonprofit organization. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Alan Butler II is a financial advisor with Ameriprise Financial Services LLC, holding a Series 66 designation and 24 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney for a combined 16 years. Outside of his advisory role, Butler owns and manages AMB Holdings LLC, an independent business related to his advisory work. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, offering comprehensive recommendation reports that incorporate research, modeling, and tax-efficient withdrawal strategies. The firm combines automated tools with advisor input to deliver tailored retirement income advice.

Adina Lavoie is a financial advisor with Primerica Advisors in Annapolis, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. She has worked at PFS Investments Inc. and Primerica Financial Services since 2008 and is currently associated with Digi Financial. Outside of her advisory role, she serves as a consultant for Pourkys LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm employs third-party asset managers and emphasizes a tiered wrap-fee structure.

Gregory Papa is a Private Wealth Advisor at Merrill Private Wealth Management and a co-leader of Jacobs, Papa & Associates. He holds dual roles as a Private Wealth Advisor and a Merrill Institutional Consultant, positions that require specialized training and accreditation. Greg has been with Merrill since 2003 and carries twenty years of industry experience, having started his career in 2000 at FX All, an institutional electronic currency trading platform. Greg applies his expertise in capital markets to craft customized financial strategies tailored to the individual objectives, risk tolerances, and liquidity needs of his high-net-worth clients. His responsibilities include evaluating external investment managers, constructing portfolios, performing asset allocation using traditional and alternative investments, managing risk, and developing hedging strategies. He is a qualified Portfolio Manager able to provide discretionary management services through the firm's Investment Advisory Program. Greg earned a Bachelor's degree in Finance from Georgetown University and holds the Certified Investment Management Analyst (CIMA) designation. He is involved with philanthropic organizations such as Make A Wish, Catholic Charities, and WINNERS Lacrosse. Greg resides in Bethesda, Maryland, with his family and maintains personal interests in baseball, cooking, fishing, football, golfing, reading, running, skiing, and travel.

Daniel Quigley is a financial advisor with Morgan Stanley based in Washington, DC, holding Series 63 and Series 65 designations and possessing 48 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.