Richard Zsakany Jr. is a CFP® professional with 26 years of industry experience. He has been with Ameriprise Financial Services, Inc. and its affiliated entities since 2009. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service for clients nearing or in retirement. The firm’s approach emphasizes written Recommendation Reports and ongoing retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Veland is a financial advisor with LPL Enterprise LLC, holding Series 63 and Series 65 credentials and six years of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. He serves on the boards of two nonprofits, PACC MDC and FilExcellence. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, model portfolios, third-party asset management, and access to brokerage and insurance products through an integrated advisory and brokerage platform.

David Clark is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including E*TRADE Capital Management LLC, Hornor Townsend & Kent Inc, and AXA Advisors LLC. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers planning services directly and through Corporate Financial Planning agreements.

Kathryn Paniagua is a financial advisor at Morgan Stanley in Washington, DC, holding a Series 66 designation with 18 years of industry experience. She has been with Morgan Stanley since 2014. Outside of her advisory role, she manages a rental property business. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and various investment resources to support its clients’ financial goals.

Sheryl Steinhart is a financial advisor at Morgan Stanley with 44 years of industry experience. She holds Series 63 and Series 65 registrations and has been with Morgan Stanley since 2009, including work at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management provides a wide 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 employs a structured planning process that incorporates Global Investment Committee materials and Monte Carlo simulations.

Jorge Martinez is a Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2024. He has been working in the financial industry since 2015, accumulating nearly 11 years of experience focused on building client relationships and providing tailored financial advice. Jorge specializes in managing new wealth, personal retirement planning, and retirement income. He works closely with clients to develop personalized strategies that align with their goals and priorities, emphasizing understanding the implications of financial decisions. His approach centers on fostering strong client relationships to support comprehensive financial planning. He holds the Chartered Retirement Planning Counselor™ (CRPC™) and Personal Investment Advisor (PIA) designations. Jorge earned his bachelor's degree from the State University of New York at Buffalo. He resides in Liverpool, NY, with his wife Tiffany, their son Benny, and two dogs, Colby and Moose. In his personal time, he enjoys cooking, music, and spending time with his family.

Tatiana Sendetskaya is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing since 2021, following eight years at Wells Fargo Bank, NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable breadth of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Kaitlinh Nguyen is a financial advisor at J.P. Morgan Securities with a Series 66 designation. She has been with the firm since 2026, previously working at JPMorgan Chase Bank, N.A., and has experience in both academic and consulting roles. Outside of finance, she has worked at the Karter School of Gainesville and Booz Allen Hamilton. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, employing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Brett Goldstein is a financial advisor at UBS Financial Services with 23 years of industry experience. He has been with UBS since 2015 and holds the Series 63 and Series 65 designations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor investment strategies to client goals.

Liam Williams is a Series 66 registered financial advisor at Morgan Stanley with five years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Merrill prior to his current role at Morgan Stanley Private Bank, N.A. His background includes roles outside finance such as positions with Dinosaur Restaurants LLC and Tommy Hilfiger. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Kristin Pfeiffer is a financial advisor with RBC Capital Markets, holding a Series 66 designation and six years of industry experience. She previously worked at Morgan Stanley from 2015 to 2019 before joining RBC Capital Markets in 2019. Outside of her advisory role, she serves on the boards of several nonprofits, including the Duke DC Women's Forum and Wonders Early Learning + Extended Day, and participates as a donor in the women's grant-making organization Many Hands, Inc. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a mix of in-house and third-party managers, as well as integrated lending and cash-sweep services.

Toria Scotto is a Series 66-registered financial advisor with UBS Financial Services in Washington, DC, where she has worked since 2007. She has 20 years of industry experience. Outside of her advisory role, she owns and manages personal real estate with limited rental activity. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a wide range of capital markets services.

Kevin Espy is a financial advisor at Edward Jones with five years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Merrill, Bank of America, New York Life Insurance Co., and Axa Advisors. Before entering the financial sector, he was employed at educational institutions including the Solomon Schechter School of Westchester and The Ideal School of Manhattan. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets with a nationwide network of over 23,000 advisors and offers a range of advisory programs with both discretionary and non-discretionary strategies under a fiduciary standard.

Joseph Lampman is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. Prior to entering the financial industry, he spent eight years in full-time education. 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 strategies developed by internal teams and third-party managers for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jamal Smith is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019 and has prior experience at Smartlink LLC, NewDayUSA, and several other firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

John Wohlgemuth is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and two years of industry experience. His prior work includes roles at AT&T and Georgetown University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Sharon Chapman is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. She has worked at Raymond James Financial since 2009 and has held roles at PB Mares, Santos, Postal & Company P.C., and Capital Wealth Management Group LLC. Her experience also includes insurance work dating back to 2006. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm utilizes detailed risk profiling and modeling tools and supports a wide network of advisors through tailored, non-discretionary planning and consulting services.

Udeme Greens is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior work experience across various sectors, including marketing, consulting, and retail. Greens is also the owner of Udeme Greens Global, a business focused on product sales for additional income. Merrill 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, pension and profit-sharing plans, corporations, and charitable organizations.

Constance Gibson is a Planning Consultant at Fidelity Investments, a role she has held since 2025. In this capacity, she works closely with clients to understand their goals and priorities, collaborating with them to develop tailored financial plans. Prior to her current position, Ms. Gibson served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2022 to 2024. Before joining Fidelity, she worked as a Senior Branch Banker at PNC Bank from 2019 to 2022.

Gabrielle Bulgari is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and nine years of industry experience. She worked at Merrill from 2016 to 2021 before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering tailored financial planning and a variety of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that incorporates firm-approved tools and modeling techniques.