Joy Stephens is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing. Her prior roles include positions at J.P. Morgan Securities, Charles Schwab Bank, Charles Schwab, and National Philanthropic Trust. Outside of her advisory work, she is involved in e-commerce ventures and co-owns a real estate investment business with her spouse. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Deborah Harris is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 63 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and methodologies.

Jennifer Harmon Von Bredow is a financial advisor with Cetera, holding Series 65 and Series 63 licenses and 12 years of industry experience. She has worked at Cetera and its affiliate Cetera Wealth Services since 2021, with prior experience at Voya Financial Advisors and ACI Group. In addition to her advisory role, she is a commissioned notary public. Cetera Investment Advisers LLC is an SEC-registered firm 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 a range of third-party and affiliated investment managers.

Brian Suto is a financial advisor with Charles Schwab based in Reston, VA, holding a Series 66 designation and 18 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank since 2010. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Bryan Condra is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2017, including time at Morgan Stanley Private Bank. Outside of his advisory role, he serves as an officer at BDC Capital, a real estate company involved in property acquisition and leasing. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

James Johnston is a financial advisor with Merrill based in Washington, DC. He holds a Series 66 designation and has two years of industry experience. His prior work includes positions at University at Boulder, Space4Good, and Eldora Ski & Ride School. 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.

Matthew Brudniak is a financial advisor at RBC Capital Markets in Washington, DC, with 41 years of industry experience. He has been with RBC Capital Markets since 2009 and previously worked at City National Bank from 2019 to 2025. Outside of his advisory role, he was a passive owner of an antiques business that sold to private collectors and museums. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Mark Cunniff is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Merrill Lynch, and Kenwood Country Club. He has also been involved with Wake Forest University and worked with CaddieMaster. 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 a variety of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eduardo Guzman Valiente is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 credential and bringing 22 years of industry experience. He has been with Raymond James since 2003 and has served in various capacities within the firm since 2010. Outside of his advisory role, Guzman Valiente is active as an attorney, owning and operating a law practice that provides legal and tax services related to retirement plans and trusts, as well as managing multiple business entities and estate responsibilities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides non-discretionary planning tailored to client goals using analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Stephen Mohyla Jr. is a CFP®-designated financial advisor with over 32 years of industry experience. He currently works at OSAIC and has held prior roles at Woodbury Financial Services, Cetera Wealth Services, Equitable Advisors, and Mony Securities Corporation. Outside of his advisory work, he serves as a high school varsity basketball official. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services through various programs and emphasizes model-based asset allocation, portfolio optimization, and multiple custodial arrangements.

Helen Mc Call is a financial advisor at Charles Schwab in Reston, VA, holding Series 63 and Series 66 licenses with three years of industry experience. Her prior experience includes roles at Fidelity Investments and Meriwether Godsey, as well as work in education and alumnae relations at Sweet Briar College. 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 offers both non-discretionary and discretionary portfolio management, combining strategic asset allocation with access to alternative investments and centralized operational support.

Robert Howe is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he develops customized investment plans for both corporate retirement plan clients and individual private wealth management clients. Before joining Merrill Lynch in 2016, he served as a Vice President at the Money Management Institute, a nationally recognized trade association focused on investment solutions. Robert works closely with business owners, plan sponsors, and participants to prepare for retirement, assisting with 401k plan improvements, employee education, fiduciary duties, and executive compensation and Non-Qualified retirement programs. Robert holds a Bachelor's Degree from the University of Maryland and an MBA from George Mason University. He has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a graduate of Phillips Andover and also attended Clarkson University. Outside of his professional work, Robert enjoys adventure sports such as biking, boating, camping, ice hockey, scuba diving, and skiing. He spends time with his family and pursues reading and watching movies. Robert participates in community organizations including DC Lucky Dog and is involved with the Phillips Andover Alumni Association. His approach emphasizes working one-on-one with clients to develop personalized financial strategies aimed at pursuing long-term goals.

Kent Overholt is a Private Wealth Advisor at Merrill Private Wealth Management. Since joining Merrill in 1987, he has developed extensive insight into the complex investment decisions and challenges facing ultra-high-net-worth families. Kent works closely with longstanding clients and colleagues to create customized financial strategies aimed at helping clients manage liquidity events, wealth preservation, family interests, and philanthropy. Kent's role involves multi-generational relationship management and collaboration within the team on investment management, asset preservation, business succession planning, intergenerational wealth planning, philanthropy, credit, and lending. He assists families through the Merrill Private Wealth Center for Family Wealth with matters related to family wealth education and governance. Kent also conducts strategy and portfolio reviews, implements portfolio recommendations, and manages client access to credit and lending services linked to Bank of America, N.A. Kent holds a Bachelor's degree in Advertising and Public Relations from Bloomsburg University in Pennsylvania. He is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Outside of his professional responsibilities, Kent co-founded the non-profit organizations Collect 4 Kids and Dancers Make a Difference. He divides his time between McLean, Virginia, and Easton, Maryland, and is married with three children.

Sam Ramadan is a financial advisor with Merrill in Vienna, VA, holding Series 63 and Series 65 licenses. He has less than one year of industry experience and previously worked in various roles including positions at Surovell, Isaacs & Levy, PLC, and service in the Loudoun County legal system. Outside of finance, his background includes work in the restaurant and country club industries. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Adam Nowak is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2021. Prior to his advisory role, he attended the University of Wisconsin-Madison and worked at Westborough High School. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm follows an IPS-driven process grounded in modern portfolio theory and acts as an ERISA fiduciary when providing investment advice.

Yemewedish Girma is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2018, following a decade at UBS Financial Services Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Stephen Stavrou is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds the Series 66 designation and has worked at firms including Northwestern Mutual, JP Morgan Chase, and Bank of America. Outside of his advisory roles, he operated a dog walking business from 2022 to 2023. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes annual, collaborative financial planning engagements using firm-approved software tools and offers a range of programs including estate settlement and employer-sponsored planning.

Peter Ambrose is a financial advisor with Merrill in Vienna, VA, holding Series 63 and Series 65 securities licenses and bringing 39 years of industry experience. He has been with Merrill since 2004. Outside of his advisory role, he serves as a FINRA arbitrator, dedicating time monthly to industry dispute resolution. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, and institutional investors.

Jonathan Sade is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works closely with clients and their families to understand their financial situations and priorities, developing customized strategies to address their investing and fiduciary responsibilities. Jonathan focuses on both institutional and individual wealth management needs. Jonathan holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a high school diploma from St Albans School and a bachelor's degree from Princeton University. Jonathan has been recognized in Forbes "Best-in-State Wealth Advisors" consecutively from 2019 through 2024.

Bradley Martin is a financial advisor with Equitable Advisors, holding a Series 66 credential and one year of industry experience. Prior to joining Equitable Advisors, he has held roles at Paul Martin, Yes Hearing, SmartBrief, All Digital Dental Design Studio, and Star City Games. He also serves as an administrator or executor of an estate and trustee of a revocable trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm utilizes a range of advisory programs, including third-party asset managers, and offers ERISA fiduciary services to qualified plans.