Jyoti Gujral is a CFP® professional with 32 years of industry experience, currently serving at OSAIC since 2023. Prior to joining OSAIC, she worked at Financial Solutions Group for 20 years and at Fsc Securities Corporation for 18 years. Outside of her advisory work, she is an officer of Blossoms for Pink, a 501(c)(3) organization that auctions plants to raise funds for breast cancer awareness. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that may include a range of securities, providing both discretionary and non-discretionary account management options.

Sarah Avila is a CFP® professional with 13 years of experience in the financial services industry. She is currently with Cetera and has held roles at VLP Financial Advisors and Cetera Wealth Services, LLC since 2016. In addition to her advisory work, she is licensed to sell life, disability, annuities, and long-term care insurance. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment strategies and a variety of program options tailored to client needs.

Maritza Rosa Maldonado is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2021. Prior to that, she was with Voya Financial Advisors and Spire Investment Partners. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by firm-approved tools and research from its Global Investment Committee.

William Freck is a financial advisor with Cambridge Investment Research Advisors in Reston, VA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2014. Outside of his advisory work, he is also an independent insurance agent. Cambridge Investment Research Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a large network of independent Financial Professionals, employing varied investment strategies and providing both discretionary and non-discretionary portfolio management options.

Margaret Gargulinski is a financial advisor with Morgan Stanley in McLean, VA, holding a Series 66 designation and bringing nine years of industry experience. She has been with Morgan Stanley and its Private Bank since 2016. Outside of her financial career, she is involved in youth sports, serving as head lacrosse coach at Oakcrest School and participating in lacrosse-related activities through 3Step Lacrosse. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach includes structured discovery and analytical tools but does not provide individual security recommendations as part of standalone planning.

Malini Raswant is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. Her prior work includes roles at iProtect LLC, Benefits Mall, and Waddell & Reed, Inc. She is also a CPA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and advanced technologies.

Evan Prestera is a financial advisor with Wells Fargo Clearing in McLean, VA, holding Series 65 and Series 63 licenses and with three years of industry experience. His prior roles include positions at Newday USA and a year with NOVA Tastings. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. 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.

Francisco Valeriano is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has 22 years of industry experience, including prior roles at Prudential Insurance Company of America, Pruco Securities, LLC, MassMutual, and HSBC. LPL Enterprise serves a diverse client base across advisory and brokerage channels, offering financial planning, model portfolio management, and access to third-party asset managers. The firm combines adviser programs with the distribution of financial products, including insurance, and participates in collateralized lending programs.

Stacy Segal is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and 13 years of industry experience. She has worked at Mass Mutual Investors Services since 2022 and at MassMutual Life Insurance Co since 2020. Segal also operates Stacy S. Segal Insurance Services, providing life and disability insurance products. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved tools and structured annual planning engagements.

Reimy Saavedra is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley, Saavedra worked at Conyngham CPA and has experience in both banking and fitness center roles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and models.

Alexandra Simons is a financial advisor at LPL Enterprise with a Series 66 designation and three years of industry experience. She previously worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of her advisory role, she has experience running a food service business, Ricciardi's Italian Ice. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to a variety of investment programs through an integrated platform combining advisory and brokerage capabilities.

Christopher Leggett is a Series 66-licensed financial advisor with 24 years of industry experience. He is currently with LPL Financial and previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs, financial planning, retirement consulting, and brokerage services, with access to model portfolios, research, and both discretionary and non-discretionary management options.

Thomas Clark is a financial advisor with UBS Financial Services in McLean, VA, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor financial plans.

David Straightiff is a CFP®-designated financial advisor at Edward Jones with 19 years of industry experience. He has been with Edward Jones since 2007. 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 solutions, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Thomas Huszcza is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Ameriprise in Manassas, VA since 2020. He previously worked at Ameriprise Financial Services, Inc. from 2005 to 2020. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports. The firm operates with a large institutional platform offering a broad range of advisory, brokerage, and insurance solutions.

Lilian Huang is a Financial Consultant at Fidelity Investments, where she currently provides financial guidance and develops personalized plans to help clients pursue their financial goals. She draws on over a decade of industry experience to support her clients' priorities effectively. Her professional background includes roles such as Private Client Advisor at J. P. Morgan, Senior Financial Consultant at T D Ameritrade, Premier Relationship Manager at HSBC Bank, and Premier Banker at Wells Fargo Bank. These positions have contributed to her comprehensive understanding of financial services and client relationships. Outside of her professional work, Lilian has interests in fitness, golf, music, and traveling.

Mike Harber is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving clients in the Washington D.C. area since 2014. He specializes in developing customized investment strategies that address clients’ short- and long-term financial goals while managing volatility. His approach includes assessing assets, liabilities, insurance, and cash flows to help clients navigate financial challenges. Mike provides personalized recommendations in several areas, including retirement planning, individual wealth preservation and insurance strategies, company-sponsored retirement plans, business transition planning, and business banking. His client focus areas also encompass college education planning, family wealth management, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Prior to joining Merrill Lynch, Mike served over 20 years in the U.S. Navy as an FA-18 pilot, retiring at the rank of Captain. He holds a Bachelor's degree from Western Michigan University and has held the Chartered Financial Analyst (CFA) designation since 2018, as well as the Personal Investment Advisor (PIA) designation. Mike is involved with charitable organizations supporting veterans and resides in Potomac Falls, Virginia, with his wife and children. His personal interests include fishing, football, running, skiing, woodworking, and spending time with his family.

Travis Scott is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has worked at Cetera and its affiliated entities since 2019, with prior roles at Foresters Financial Services and Econo Lodge. Outside of his advisory work, he oversees youth ministry at Strong Tower Christian Church and is involved in A/V production and a 360 photobooth business. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers diverse portfolio management and consulting services with both discretionary and non-discretionary options, operating a multi-manager platform that supports customized investment strategies and access to various third-party managers.

Anthony Connor is a financial advisor with RBC Capital Markets in Vienna, VA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. His prior work includes positions at UBS Financial Services and City National Bank. Outside of his advisory role, he serves on the board of a homeowners association, advises the company GORUCK on corporate strategy, and is involved in automotive restoration and rally preparation through Blue Ridge Motorwerks. 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 a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Gary Sawyers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and one year of industry experience. His career includes over 30 years at National Commercial Bank Jamaica Limited and roles at TD Bank and Wells Fargo Bank, N.A. He relocated from Jamaica to the United States in 2020. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management grounded in modern portfolio theory. The firm’s advisory approach includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.