Charles Phillips Jr. is a Senior Financial Advisor at Merrill Lynch Wealth Management. He focuses on developing and implementing advanced financial strategies tailored to families, businesses, and individuals, including those with long-term disabilities and special needs. Phillips works closely with clients to address key concerns such as preservation of capital, tax minimization, and lifetime cash flow needs, often collaborating with estate attorneys and CPAs to establish multi-generational wealth strategies incorporating philanthropic approaches. Since beginning his career with Merrill Lynch in 2008, Phillips has developed expertise in a range of areas including special needs planning, college education and retirement planning, philanthropic planning, and portfolio management. His practice includes specialized strategies for families with special needs loved ones, utilizing vehicles such as Special Needs Trusts and Charitable Trusts. He has been recognized by Forbes as one of America's Top Next-Generation Wealth Advisors. Phillips graduated from the University of Wisconsin-Madison with a Bachelor's degree in History. He serves on the board of Quality Trust for Individuals with Disabilities, a nonprofit organization dedicated to improving the lives of children and adults with disabilities and their families. He resides in Arlington, Virginia with his wife and children.

William Bush III is a financial advisor with LPL Financial in Ellicott City, MD, holding a Series 66 designation and 21 years of industry experience, all with LPL. He is also involved with BD Wealth Management, LLC, a separate investment-related business affiliated with LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by various operational and research tools.

Nicola O'neil is a CFP® professional with 16 years of experience, currently affiliated with UBS Financial Services in Washington, DC. She has held roles at UBS since 2011, with a brief period of unemployment from 2018 to 2019. Outside of advising, she serves as a Ballot Clerk for the District of Columbia Board of Elections. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven investment strategies tailored to clients' goals and risk tolerances.

Rumana Tarin is a Senior Financial Advisor with Merrill Lynch Wealth Management. She specializes in helping affluent individuals and families with services including corporate executive support, education planning, equity compensation, family wealth management, legacy planning, liquidity management, personal retirement planning, small business strategies, special needs planning, and tax minimization. Rumana holds a Bachelor's Degree from Stony Brook University and an Associate's Degree from Briarcliffe College. She has also completed advanced financial planning coursework at the College for Financial Planning. Her professional credentials include the CERTIFIED FINANCIAL PLANNER® (CFP®) certification, Certified Plan Fiduciary Advisor® (CPFA®) designation, Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) certifications. She is a member of the Bank of America Long Island Regional Council. Rumana is actively involved in the special needs community through her work with Autism Speaks. She brings her fluency in English, Persian, and Spanish to her practice. Outside of work, Rumana enjoys music, fitness, traveling, reading, and spending time with her family.

Alexander Hollingsworth is a financial advisor with LPL Enterprise. He holds Series 63 and Series 65 designations and has four years of industry experience. Prior to joining LPL Enterprise, he worked at Northwestern Mutual Life Insurance Company and Northwestern Mutual Investment Services LLC for five years. He also operated Laker Central Podcast LLC for one year. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated trust and insurance services.

Scott Lanham is a financial advisor at Wells Fargo Clearing with 43 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics based on diversification principles and modern portfolio theory.

Brian Haney is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Coastal Investment Advisors, Dempsey Lord Smith, and Mass Mutual Life Insurance Co. Haney also owns Blanton Financial Group and is involved in consulting and insurance-related activities. Cambridge Investment Research Advisors serves a diverse client base, including individual, pension, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

Edward Berry is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Outside of his advisory work, he is the author of a self-published, personal-topic book and participates in Argentine tango dancing. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct plans and Corporate Financial Planning agreements.

Lionel Desbordes II is a financial advisor at Edward Jones with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Edward Jones since 2009. Outside of his advisory role, he serves on the Board of Trustees for Glenelg Country School in Ellicott City, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by a nationwide network of more than 23,700 advisors. The firm offers a range of advisory programs, investment strategies, and affiliated solutions under a fiduciary standard.

Christopher Rodriguez is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research to build model asset allocations, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Matthew Offen is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and 23 years of industry experience. He has worked with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. Its financial planning approach involves structured discovery conversations and firm-approved tools, offering tailored plans without individual security recommendations as part of standalone planning.

Olivia Baldwin is a financial advisor with Morgan Stanley in Bethesda, MD, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020 and has prior experience with Healthcare Resource Network and the College of Charleston. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

Rebecca Luft is a financial advisor at Merrill with five years of industry experience. She holds a Series 66 designation and has held positions at Merrill, Rockefeller Financial LLC, Bank of America, and PNC Wealth Management. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Liam Mc Nulty is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. Prior to joining Morgan Stanley, he worked at Ankura and has experience in academic environments, including James Madison University and George C. Marshall High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs a structured financial planning process using firm‑approved tools and modeling techniques.

Jessica Chicorelli is a financial advisor with Charles Schwab in Elkridge, MD, holding a Series 66 designation and four years of industry experience. Prior to joining Schwab in 2022, she spent 15 years at Akin Gump Strauss Hauer & Feld. Charles Schwab & Co., Inc. 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Courtney Babcock is a financial advisor at UBS Financial Services with 1 year of industry experience. She previously worked at Morgan Stanley for 4 years and AMN Healthcare for 2 years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor investment strategies to client goals and risk tolerances.

Terrence Frederick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2009. In his role, Terrence focuses on developing tailored strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Terrence serves as a qualified Portfolio Manager, offering clients personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. He manages these strategies on a discretionary basis within the Firm's Investment Advisory Program. The Frederick Group follows a disciplined process aimed at delivering customized wealth management solutions that address clients’ risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. He holds a Bachelor of Science degree in Business Management with an emphasis in marketing from the University of Maryland, earned in 1987. Terrence also holds the Chartered Retirement Planning Counselor™ (CRPC) certification awarded by the College for Financial Planning and is designated as a Personal Investment Advisor (PIA).

Heidi Locastro is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at firms including Merrill, PNC Investments, Metlife Securities, and TIAA-CREF. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios and advisory services to a diverse client base.

John Marshall is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he serves as Treasurer for Friends of Ballou, a nonprofit organization that raises funds for college scholarships for graduates of Ballou High School in Washington, D.C. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Day Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 1996. Day also works as an instructor and is involved in selling disability, health insurance, fixed annuities, long-term care, and life insurance. 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 financial planning and investment management services through a large network of advisors using diverse portfolio strategies and advanced operational tools.