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.

Michael Kirvan is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He leads the Kirvan Pierce Sweeney Group, a team of dedicated professionals focused on providing comprehensive wealth management services. Michael works closely with his team and leveraging the extensive resources of Merrill and Bank of America to offer clients a holistic approach to financial planning, investment management, and estate planning tailored to their immediate needs and long-term goals. With over 35 years of experience in the financial services industry, Michael specializes in working with multi-generational families, business owners, and retirees. His expertise includes wealth preservation, legacy creation, liquidity event management, and retirement planning. Michael holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree from Loyola University Maryland. He is involved in his community through organizations such as Gonzaga College High School, where he serves as Chair of the National Day of Service campaign, and the Boy Scouts of America/Scouts BSA.

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.

Catherine Slocum is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and two years of industry experience. Her background includes roles at JP Morgan Chase Bank and previous employment outside the financial sector, including at Gails Seafood and Westwood Pharmacy. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

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 in 2006 after completing an internship during college. Justin offers financial strategies to high net-worth individuals and business owners, focusing on understanding their financial priorities and creating customized strategies to pursue their financial and life goals. Justin's approach is grounded in a goals-based wealth management process that incorporates time-tested investment principles while allowing flexibility to adapt to changing economic conditions. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor’s degree in Economics from Trinity College. Beyond his professional role, Justin has been involved in community activities such as volunteering for Big Brothers Big Sisters and coaching youth lacrosse teams. He serves as an alumni board member of his high school and conducts an annual financial literacy seminar at a local high school. Justin resides in Great Falls, Virginia with his wife, children, and their dog.

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.

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.

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.

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.

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.

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.

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.

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.

Gabe Aronson is a financial advisor at Morgan Stanley with 25 years of industry experience and holds a Series 66 designation. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning 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.

Cecily Curtis is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and five years of industry experience. She has worked with multiple Raymond James affiliates and Steward Partners, and is currently associated with The Meakem Group as an associate. Curtis also spent four years working at Elon University earlier in her career. 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, and institutional investors. The firm employs tailored, non-discretionary consulting using analytical tools and supports clients through various advisory programs and specialized services in municipal and public finance.

Kenneth Hecht is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following a nine-year tenure at UBS Financial Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and employs methodologies such as Monte Carlo simulations and Secular Return Estimates in its planning process.