Michael Kirvan is a Managing Director and Wealth Management Advisor at Merrill Lynch Wealth Management with over 35 years of experience in the financial service industry. He leads the Kirvan Pierce Sweeney Group, a ten-member team focused on holistic wealth management centered around comprehensive planning. Michael specializes in working with multi-generational families, business owners, and retirees to preserve and grow wealth across generations. He provides tailored strategies that align with long-term financial goals, assisting clients in managing liquidity events, planning for retirement, and creating lasting legacies. Michael works closely with a team of specialists to offer customized financial planning, investment management, tax-efficient strategies, and estate planning services. Utilizing the extensive resources of Merrill and Bank of America, he delivers a holistic approach designed to address clients' immediate needs and long-term objectives. Michael holds several professional designations including Certified Plan Fiduciary Advisor (CPFA) and Certified Private Wealth Advisor (CPWA). He earned a bachelor's degree from Loyola University Maryland. In addition to his professional commitments, Michael is involved in community activities such as serving as Chair of the National Day of Service at Gonzaga College High School. His affiliations include Gonzaga College High School, Loyola University Maryland, and the Boy Scouts of America/Scouts BSA. He resides in Kensington, Maryland with his wife Kathy, who works with the team three days a week.

Richard Didden Jr. is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and Cetera Wealth Services, LLC since 2013. He also serves as Executive Vice President at National Capital Bank, where he oversees retail non-deposit investment products, and is a board member of the bank. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Justin Gaudet is a financial advisor with Equitable Advisors, holding a Series 66 designation and seven years of industry experience. He has worked at Equitable Advisors since 2019 and previously held roles at AXA Advisors and New Canaan Group. His other business activities include operating BL Financial Group as a DBA. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm provides financial planning, retirement plan consulting, and a range of asset-management programs, often utilizing third-party asset managers and advisory programs.

Catherine Slocum is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has previously worked at JP Morgan Chase Bank N.A. Prior to her financial services career, she was employed at Gails Seafood and Westwood Pharmacy. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a program that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers customized investment solutions delivered on a non-discretionary basis by a specialized group of Wealth Advisors.

George Seals Jr. is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management in Washington, DC. Since 2000, he has provided financial advice to individuals, families, business owners, and corporate executives. He specializes in guiding clients through liquidity events, executive compensation, retirement planning, charitable giving, and multigenerational wealth transfer. Additionally, as a designated Merrill Sports & Entertainment Advisor, George works with athletes, entertainers, coaches, agents, and industry executives to address the unique financial considerations in their careers. George earned both his Bachelor's and Master's degrees from the University of Virginia and completed advanced financial coursework at Georgetown University. He holds the CERTIFIED FINANCIAL PLANNER (CFP®), Chartered Retirement Planning Counselor (CRPC™), and Certified Plan Fiduciary Advisor (CPFA®) designations. He is also affiliated with the Virginia Athletic Foundation. Residing in Arlington, Virginia, George is involved in his community through coaching youth sports and volunteering with scouting programs. He and his wife, Laura, have four children.

Justin Wasfy is a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill full-time in 2006 after interning there during college. Justin offers financial strategies for high net-worth individuals and business owners, focusing on understanding clients' financial priorities through active listening and tailoring customized strategies to pursue their financial and life goals. He employs a goals-based wealth management process grounded in time-tested investment principles and adapts to changing economic conditions with flexibility. Justin earned a Bachelor's degree in Economics from Trinity College in Connecticut, where he was a three-year member of the wrestling team. He holds the professional designations of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Beyond his professional work, Justin volunteers as an alumni board member of his high school and coaches youth lacrosse teams. He also conducts an annual financial literacy seminar at a local high school. Justin lives in Great Falls, Virginia, with his wife, Monica, their two children, and their dog. His personal interests include supporting The Washington Commanders, cooking, and traveling with his family.

Natalie Berry is a financial advisor with Ameriprise in Fairfax, VA, holding a Series 66 designation and five years of industry experience. She has worked at Ameriprise since 2019 and has prior experience with Practice Promotions and Virginia Commonwealth University. Outside of her advisory role, she co-owns YGB Operations LLC, a business unrelated to investment activities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. The firm’s retirement income service incorporates proprietary research and third-party data within a structured investment framework influenced by its affiliated product ecosystem.

Luther Ensminger Jr. is a financial advisor with Equitable Advisors in Falls Church, VA, holding Series 63 and Series 65 licenses and totaling 31 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 1999. Ensminger serves on the board and investment committee of PST Advisors, LLC, an Equitable-approved RIA. Equitable Advisors provides financial planning, retirement plan consulting, and asset management to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models, often implemented through third-party programs and sponsors, and offers services including ERISA fiduciary support for qualified plans.

Jonathan Kurtz is a CFP® and ChFC® financial advisor with 33 years of industry experience, currently with Cetera since 2021. His prior experience includes seven years at VOYA Financial Advisors and over two decades as an independent insurance agent. He serves as a board member and finance committee member for Innisfree Village, a nonprofit organization supporting adults with intellectual disabilities. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers and investment strategies.

Zachary Buster is a CFP®-designated financial advisor with Mass Mutual Investors Services, with three years of industry experience. He has prior experience at MassMutual Life Insurance Company and served on the George Mason Financial Planning and Wealth Management Advisory Board, where he contributes as a NexGen board member to support program development and student education. Outside of finance, he manages Crystalis Treasures, a retail sales business he has operated for over a decade. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and investment services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering structured, collaborative planning engagements with access to various asset management and educational resources.

Sheldon Ray Jr. is a financial advisor with UBS Financial Services in Washington, DC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining UBS in 2026, he spent 11 years at Raymond James & Associates. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through a broad platform that includes proprietary research, capital markets services, and affiliated banking programs.

Anthony Acampora is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has previously worked at Altaira Wealth Management and Straci Pizza, as well as having experience in the beverage industry. Edward Jones is a full-service wealth management firm serving over four million clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Denny Goforth Jr. is a financial advisor with UBS Financial Services in Washington, DC, holding a Series 66 designation and 27 years of industry experience. He has been with UBS since 2002. Outside of his advisory work, he serves on the board of directors for Our Lady of Good Counsel High School and the Olney Community Baseball Team, where he is involved in governance, strategic planning, and community engagement. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, employing model-based asset allocations and proprietary research to tailor plans to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and services through its extensive network of advisors.

Yufang Juan is a financial advisor at Equitable Advisors with 22 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Equitable Advisors since 2004, including its predecessor Axa Advisors. Her outside business activities include operating an insurance brokerage. Equitable Advisors serves a broad client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of investment adviser representatives and third-party asset managers.

Aeda Chung is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at Merrill and Bank of America since 2020, with prior experience at Wells Fargo Advisors and UBS Financial Services. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alisa Loutsik is a Senior Financial Advisor with Merrill Lynch Wealth Management in Washington, DC. She works with high net worth families to help preserve, grow, and transfer wealth through a holistic approach to financial life management. Her client focus areas include executive compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, portfolio management, tax minimization, retirement income, and serving women and wealth. Before joining Merrill, Alisa was a Senior Vice President and Private Banker with Citi Law Firm Group in Washington, DC, where she supported law firms and senior partners in financial and retirement planning, financing, and cash flow management. She holds the designation of Personal Investment Advisor (PIA) and earned a bachelor's degree from James Madison University. Residing in Vienna, VA with her husband and two children, Alisa speaks three languages. Outside of work, she enjoys biking, hiking, traveling, and spending time with her family.

Keshia Keene is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and one year of industry experience. Her prior work includes roles at Florida Financial Advisors and multiple positions at Charles Schwab entities. She has also worked at the U.S. Embassy in Nairobi and has experience in the food service 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. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational and custody services.

Justin Scott is a Series 66-licensed financial advisor with Morgan Stanley in McLean, VA, bringing four years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and SBSB Financial Advisors, as well as a background in full-time education and work at the University of Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and advisory services supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment programs without offering individual security recommendations in standalone planning.

Laurie Hughes is a financial advisor at Robert Baird & Co. with 25 years of industry experience. Her prior work includes roles at Goldman Sachs & Co. LLC and The Ayco Company, L.P./Mercer Allied Company, L.P. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, separately managed account programs, and custody and brokerage services.

Julie Bradsher is a CFP® certificant with 19 years of experience in the financial services industry. She is currently with Cetera and has prior experience with Avantax and 1st Global Advisors. Outside of her primary advisory role, she serves as Vice President of Sales and Marketing at Bay Business Group, a financial services firm she has been involved with since 2004. Cetera Investment Advisers LLC is an SEC-registered advisor supporting a large network of independent advisors and serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various investment program options, including discretionary and non-discretionary portfolio management and access to third-party money managers.