Jeff Lin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include leadership positions at Grove Point Advisors, LLC, JBL Technology Solutions, LLC, and Accounting Consulting Solutions, LLC, as well as operating Jeff Lin CPA, LLC since 1984. Outside of advisory work, he manages a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Wojtek Wilczynski is a CFP® credentialed financial advisor at Edward Jones with seven years of industry experience. He has worked at Edward Jones since 2018 and previously practiced law at The WPW Law Firm, PLC from 2015 to 2018. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors. The firm provides discretionary and non-discretionary investment solutions under a fiduciary standard and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Alex Andrade is a financial advisor with Edward Jones in Bethesda, MD, holding a Series 66 designation and six years of industry experience. Prior to his current role at Edward Jones, he worked at VisionWorks and Mens Warehouse. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Victoria Fredericks is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. 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, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Deren Reid is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Citigroup Global Markets and Legg Mason Wood Walker. Reid has been with Fidelity and its affiliated entities since 2010. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and may delegate management to sub-advisers while maintaining oversight controls.

Amber Rizer is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015. 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.

Darwin Alfaro is a financial advisor with Merrill in Silver Spring, MD, holding a Series 66 designation and seven years of industry experience. He has been associated with both Merrill and Bank of America N.A. since 2006. Outside of his advisory role, he is involved with Frenchman Creeks Condo, an outside business based in New Carrollton, Maryland. 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, offering model-based and discretionary strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Wade Friedel is a financial advisor at Cetera with 10 years of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliates since 2016. Outside of his advisory role, Friedel is a partner in Gridiron Sports, a business involved in acquiring and selling collectibles such as sports cards and comics. Cetera Investment Advisers LLC provides services through a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options ranging from model portfolios to bespoke strategies.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at OneMain Financial and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, 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 plans, corporations, and charitable organizations.

Drew Woolery is a financial advisor with Charles Schwab in Bethesda, MD, holding the Series 63 and Series 66 designations and having 29 years of industry experience. He has been with Charles Schwab and its related entities since 1999. Charles Schwab & Co., Inc. serves a large client base primarily consisting of 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 discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Nicholas Carter is a financial advisor with Cetera, holding a Series 66 designation and 14 years of industry experience. He previously worked at Morgan Stanley from 2012 to 2024. Outside of his financial advisory role, he serves as an official and referee in adult and amateur hockey leagues. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutions, offering a range of portfolio management and financial planning services through a nationwide network of over 10,000 advisors.

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.

Melanie Simons is a financial advisor with Charles Schwab in Bethesda, MD, holding a Series 66 designation and 19 years of industry experience. Her prior roles include positions at Chevy Chase Trust Company, Reframe Wealth, LLC, Extended Travel, and TIAA-CREF. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment services supported by multi-asset model portfolios and centralized operational infrastructure.

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.

Michael Lyubinsky is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with Mass Mutual Investors Services and MassMutual Life Insurance Company, having previously worked for Northwestern Mutual in various roles from 2010 to 2024. In addition to his advisory work, he is licensed as an insurance broker, focusing on life, disability, and long-term care insurance. 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 collaborative, annual financial planning engagements using firm-approved analytical tools and offers a range of planning programs, including recent additions in divorce and estate-settlement planning.

Keshia Keene is a financial advisor with Charles Schwab in Tysons Corner, VA, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior roles include work at Florida Financial Advisors and a variety of positions outside finance, including work with the US Embassy in Nairobi and in the food service industry. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 discretionary separately managed accounts and offers integrated custody and brokerage services.

Adam Band is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2008 and joined Merrill Lynch in 2010. Adam works with affluent families, accomplished professionals, and business owners to provide goals-based wealth management. He focuses on simplifying clients' financial lives by acting as a central point of contact and integrating various elements of their wealth management needs. Adam holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a bachelor's degree in communication from the University of Arizona, where he is part of the alumni organization Capitol Cats. He is fluent in Spanish, Portuguese, and English. Outside of work, Adam enjoys coaching his two sons' sports teams, including baseball and swimming. He also volunteers locally at Children's National Medical Center in Washington, D.C. Adam and his wife Joanna live in Potomac, Maryland with their two sons.

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.

Michael Towhidi is a financial advisor with Fidelity Investments, holding a Series 66 designation and two years of industry experience. Prior to joining Fidelity, he worked at Prudential from 2023 to 2025. Outside of his advisory role, Towhidi owns a fitness social media business where he creates fitness and lifestyle content, develops workout plans, and provides fitness consulting. Fidelity’s affiliate, Strategic Advisers LLC, offers investment management and advisory services to retail and institutional clients, including model portfolio construction based on proprietary research and quantitative analysis.

Susan Harrington is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 65 and Series 66 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she serves as a trustee in a trust based in McLean, Virginia. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.