Leland Penno is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009 and 2016, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning conducted through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outcome modeling.

Jordan Lewis is a financial advisor at J.P. Morgan Securities with three years of industry experience. He previously worked at Goldman Sachs and Bloomberg and holds Series 65 and Series 63 licenses. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Daniel Shannahan is a financial advisor with UBS Financial Services in Washington, DC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Merrill and Bank of America prior to joining UBS in 2022. 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 strategies to clients' goals and risk tolerances.

Ryan Stuart is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He is based in Washington, DC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety 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 utilizes structured planning tools and modeling techniques as part of its process.

Rachel Marker is a financial advisor at UBS Financial Services with 12 years of industry experience. She has been with UBS since 2015 and holds a Series 66 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research with model-based asset allocations to tailor financial plans. The firm also provides institutional trading capabilities alongside wealth management services.

Pearl Maalouf is a financial advisor with Wells Fargo Clearing, holding the Series 66 designation and six years of industry experience. She has been with Wells Fargo Clearing since 2019 and previously worked at Sagesse High School and Le Gym. 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 advice grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment searches, performance reporting, participant education, and plan benchmarking, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sean Beznicki is a CFA charterholder with seven years of industry experience. He is currently with Cetera and serves as Director of Investments at VLP Financial Advisors, where he leads the investment research team and manages portfolio software across the firm. His prior roles include positions at Glassman Wealth Services and Andersen Tax. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

Dileep Nair is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in serving the planning and investment implementation needs of both international and U.S. wealth management clients. With over 20 years of experience, he provides personalized wealth management strategies tailored to clients' long-term financial goals. Dileep leverages the investment insights of Merrill and the banking and lending solutions of Bank of America to develop flexible strategies responsive to changing market conditions. He holds a Master's degree from the University of Maryland, a Bachelor's degree from Concordia University, and completed his secondary education at Selwyn House School. Dileep’s professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is fluent in both French and English. In addition to his advisory role, Dileep is engaged in community service, volunteering with local organizations in line with Merrill’s tradition of community participation. His personal philosophy emphasizes working one-on-one with clients to develop individualized financial strategies.

Courtney Caldwell is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. Prior to joining Osaic in 2025, Caldwell spent 27 years at Lincoln Financial Advisors Corporation. Additionally, Caldwell is involved with Heritage Financial Consultants, LLC, where she acts as an agent offering a range of insurance products. Osaic Wealth serves a diverse client base including individual investors, institutions, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a multi-platform approach, employing asset-allocation tools, risk-tolerance analyses, and both discretionary and non-discretionary portfolio management.

David Ciccone is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at UBS Financial Services for 10 years before joining Wells Fargo in 2020. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Tejinder Kaur is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. She has worked within various Wells Fargo entities since 2011, including Wells Fargo Bank NA and Wells Fargo Advisors, LLC. Wells Fargo Clearing specializes in retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lucile Ionescu is a financial advisor at Morgan Stanley with three years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Prior to joining Morgan Stanley in 2026, she also worked at Universita della Svizzera Italiana. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory process.

Jeremiah Fitzgibbons is a CFP® and ChFC® with 34 years of experience in the financial services industry. He is currently with Raymond James & Associates, where he has worked since 2025. Prior to this, he spent eight years at Northwestern Mutual Wealth Management Company and eleven years at its affiliated entities. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, pension plans, and charitable organizations, offering financial planning, investment consulting, and institutional fiduciary services through a range of portfolio management styles and affiliated research.

Michael Baker is a financial advisor at Morgan Stanley in McLean, VA, holding Series 63 and Series 65 credentials with 30 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients, with a focus on tailored financial planning and diversified investment solutions.

Nathalie Leclef is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Goldman Sachs before joining J.P. Morgan. Outside of her advisory role, she is a co-owner of DN Hospitality LLC, an LLC focused on commercial real estate investments. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

John Hanley is a CFA® charterholder with 24 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2020. Prior to joining UBS, he worked at Goldman, Sachs & Co. for 14 years. He is a member of the Finance Committee for the American Kidney Fund, where he serves as Treasurer and Chair of the Investment Committee. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary capital market assumptions and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Cotter Smart is a financial advisor with RBC Capital Markets holding a Series 66 designation and two years of industry experience. His career includes roles at RBC Wealth Management, City National Bank, and Vulcan Value Partners. Outside of finance, he co-developed an AI project during school that was recognized for its potential commercial value. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment programs and integrates proprietary and third-party managers to implement customized portfolio strategies.

Adam Fechter is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he works as an independent contractor for a tax planning and insurance general agency. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, engaging clients in advisory roles primarily without providing individual security recommendations as part of standalone plans.

Lisa Mccoy is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009. Outside of her advisory role, she owns LM2 Consulting Inc, a personal and professional coaching business based in Atlanta, Georgia. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

Abdulrahaman Mohammed is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and two years of industry experience. His prior roles include positions at Wells Fargo Bank, USI Insurance Services, Mutual of America, Empower Financial Services, J.P. Morgan Securities, and JPMorgan Chase Bank. Outside of advisory roles, he has ongoing involvement with Instacart and Doordash. 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 roughly $671 billion in assets with over 14,000 financial advisors and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.