Marshall Kayda is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Bank of America N.A. and TechTronic Industries. 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 various institutional investors.

Jonathan Bulman is a Series 66-licensed financial advisor with 24 years of industry experience. He is affiliated with Cetera and has held advisory roles at Lincoln Financial Advisors and his own firm, Bulman Financial LLC. Outside of his advisory work, he is a co-owner of two restaurants through an LLC. Cetera Investment Advisers LLC supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program platforms, utilizing affiliated and unaffiliated third-party managers.

Charles Ross is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, institutional investment consulting, and services for endowments, foundations, and non-profits. His areas of expertise include personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Ross is committed to managing clients' wealth through personalized strategies that adapt to changing market conditions. He offers access to investment insights from Merrill and banking convenience and lending solutions from Bank of America. His approach focuses on creating flexible financial plans tailored to clients' long-term goals. Outside of his professional work, Ross participates in community volunteering and enjoys boating, fishing, football, golfing, running, spending time with his family, and traveling.

Brad Baker is a Financial Consultant at Fidelity Investments, where he has worked since 2023 in various roles spanning from Financial Service Representative to his current position. He collaborates closely with clients to understand their financial goals and preferences, aiming to provide clear and purposeful financial planning. Throughout his tenure at Fidelity Investments, Brad has gained experience in financial consulting, planning, and client relationship management. His approach emphasizes simplicity and partnership in the financial planning process, working alongside clients to pursue their objectives. Outside of his professional role, Brad has interests in baseball, football, running, skiing, and traveling.

Therese Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at LPL Financial since 2009 and has been associated with Global Retirement Partners, LLC since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, with advisory services provided by representatives who may use discretionary or non-discretionary strategies.

Steven Umstead is a CFP® professional with 36 years of experience, currently serving as a financial advisor at Charles Schwab. His prior roles include positions at USAA Financial Advisors and USAA Investment Management Company. He also co-founded Quattro Goombas Brewery, a venture outside the financial industry. Charles Schwab 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, combining non-discretionary advisory relationships with access to affiliated discretionary portfolios and a formalized alternative investment process.

Timothy Hando is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves on the House Committee at Bethesda Country Club, which oversees the club's food and beverage operations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management, utilizing proprietary research and model-based asset allocations to tailor client solutions.

Michael Riley is a CFP®-designated financial advisor at RBC Capital Markets with 22 years of industry experience. He previously worked at Ferris, Baker Watts, LLC for five years before joining RBC in 2009. Outside of his advisory role, he owns and actively manages a business involved in horse breeding and showing. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a range of in-house and third-party managers.

Aashish Goel is a financial advisor at Morgan Stanley with 26 years of industry experience. He has held roles at Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets from 2000 to 2009. He holds the Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer offering advisory programs to individuals and institutions, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and investment models but generally acts in an advisory capacity without providing individual security recommendations as part of its standalone planning services.

Robert Baker is a Resident Director at Merrill, where he provides financial advisory services tailored to the unique needs of each client. His work focuses on building and maintaining long-term wealth by controlling risk and creating strategies aligned with individual goals and risk tolerance. His practice includes customized investment and retirement planning, advanced planning for monetization and liquidity events, pre and post-IPO planning for executives, concentrated stock strategies including Rule 144 and 10b5-1 planning, tax minimization strategies such as gifting and estate planning services, and private business succession and transition planning. Robert holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Robert earned a Bachelor's Degree from Virginia Polytechnic Institute & State University and completed his high school education at Loyola Blakefield. He is involved in the community through his participation with Higher Achievement.

Jason Cohen is a financial advisor with LPL Financial in Rockville, MD, holding the CFP® designation and Series 63 and 65 licenses. He has 26 years of industry experience, including prior roles at Stratos Wealth Partners, Ltd and Uvest Financial Services Group, Inc. Cohen is also involved with Medicare Ph.D., an insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools and oversight of substantial discretionary assets.

Steven Rosner is a financial advisor with Ameriprise, holding a Series 66 designation and 11 years of industry experience. He has worked at Ameriprise since 2007 with a break from 2013 to 2023 when he was employed at PNC Bank. Outside of his advisory work, Rosner is a co-owner of JUSTiN'S LOVE Inc, a nonprofit organization based in Maryland. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service, providing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Saloma Bechara is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has held positions at firms including Wells Fargo and CUNA Mutual Group. In addition to her advisory work, she is a private banker at First National Bank of PA, focusing on banking account openings, loans, and lines of credit. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies.

Louis Lachter is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models to support clients’ financial goals.

Pamela Settlage is a CFP® professional with 38 years of industry experience. She is currently with LPL Financial and has previously worked at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and has operated Settlage Associates since 1991. Pamela also provides tax preparation and accounting services through Settlage & Associates, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides various investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Sally Ann Pauw is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 2021 and has previously worked as an independent consultant and with AKLDP - USAID. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

Jeffrey Santos is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2011 and Bank of America, N.A. since 2017. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Steven Cavagnaro is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior work includes positions at M and T Securities, Truist Investment Services, Chevy Chase Financial Services, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of advisors and advanced operational tools.

Brian Bailey is a CFP® professional with 32 years of industry experience. He is currently with LPL Financial and has previously worked at Grove Point Investments, Grove Point Advisors, Maple Tree Financial, and H. Beck, Inc. He also operates Maple Tree Financial Services, Inc., a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive resources and technology.

Charles Anderson is a CFP® and holds a Series 66 license with 11 years of experience in the financial services industry. He has been with UBS Financial Services in Bethesda, MD since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a broad array of capital markets services.