Stefan Nicholas is a financial advisor with Merrill who holds a Series 66 designation and has 12 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Merrill in 2017. Nicholas serves as an advisory board member for the Community Foundation for Montgomery County, a charitable organization, where he participates in meetings, event planning, and fundraising. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based, discretionary, and tax-aware investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Steven Ganan is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at RBC Capital Markets and UBS Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a range of financial products, including insurance-related vehicles and bank deposit sweep options.

Xander Bauguess is a Series 66-credentialed financial advisor with Equitable Advisors, based in Columbia, MD. He joined Equitable Advisors in 2026 and has prior experience working at Tri-M Group LLC and various other positions including in education and entrepreneurial ventures such as an auto detailing business and a fishing charter. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, delivering advisory and brokerage solutions primarily through LPL-sponsored programs and endorsed third-party managers.

Joseph Apanisile is a financial advisor with Cetera, holding a Series 65 designation and three years of industry experience. He previously worked at Avantax Advisory Services for five years and has operated Joseph Associates CPA, a CPA firm, since 2011. His background includes roles outside financial services, such as work with ARS/Rescue Rooter. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment programs and portfolio management options through a multi-manager platform, supporting both discretionary and non-discretionary authorities.

Kevin Brewer is a financial advisor with RBC Capital Markets in Washington, DC, holding a Series 66 credential and two years of industry experience. Prior to joining RBC Capital Markets in 2022, he worked at the Department of Defense from 2020 to 2022. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers tailored advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing a blend of in-house and third-party investment managers.

Nicholas Voyton is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 65 designation and one year of industry experience. Prior to joining LPL, he worked at Sikich LLC and Deloitte & Touche LLP. Outside of his advisory role, he is involved with Severn Financial Solutions LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and diverse investment strategies.

Brendan Guilday is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2012 and provides consultative and objective wealth management services utilizing the resources of Merrill Lynch and Bank of America to implement advanced financial strategies. Brendan works with clients to build and transfer wealth in a tax-efficient manner, manage liquidity needs, plan for education expenses, and maintain retirement income. His expertise includes family wealth management, services for endowments and non-profits, investment consulting for defined contribution plans, LGBT wealth planning, philanthropic planning, and socially responsible investing. He was named to the Forbes "Best-in-State Next-Generation Wealth Advisors" list in 2022 and 2023. He holds a Bachelor's degree in Finance from Saint Vincent College and has earned the CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Brendan is a native of the Washington DC Metropolitan area and resides in North Potomac, Maryland. His personal interests include basketball, football, golfing, ice hockey, and music.

Curtis Rutherford is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill and Deutsche Bank Securities. Rutherford has been with Morgan Stanley since 2020. 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 and tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Julia Watt is a financial advisor at RBC Capital Markets with two years of industry experience. She holds the Series 66 designation and has worked at firms including Robert W. Baird and The Hall CP. Prior to her finance career, she was employed in education at Hereford Middle/High School. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base ranging from individual investors to institutional clients and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Sheila Stinson is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2019. Prior to that, she was with Pathstone Federal Street and Convergent Wealth Advisors. Outside of her advisory role, she serves as co-chair of the membership committee for the Washington DC Estate Planning Council. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Christopher Mcmurry is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2019, also working at Wells Fargo Bank, NA since 2013. Outside of finance, he owns and operates Say Yes Media, a filming and editing business. 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 advisory process is IPS-driven and includes a broader set of financial products than typical institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Nicholas Onder is a CFP® certificant with 26 years of industry experience, currently serving as a financial advisor at Edward Jones since 1999. He is a partner in multiple conservation partnerships based in Peachtree City, GA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Elizabeth Macis is a financial advisor with Raymond James Financial, holding a Series 66 designation and 24 years of industry experience. Prior to joining Raymond James in 2022, she worked at Wells Fargo Clearing and Wells Fargo Advisors from 2009 to 2022. Outside of her advisory role, she serves as a co-trustee for a family trust. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary solutions and maintains a notable involvement in municipal and public finance through its affiliate network.

George Krzywicki is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 registrations and bringing 45 years of industry experience. He has been with Ameriprise since 2009. Outside of his advisory role, he serves on the Board of Directors and as Treasurer for the Atlantic Mist II Condominium Association in Ocean City, MD. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, with a specialized Premier Retirement Income service that provides tailored retirement income planning through written recommendations and ongoing advice.

Katerina Howard is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She has worked with J.P. Morgan Chase Bank, NA and J.P. Morgan Securities LLC since 2007. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities as part of the J.P. Morgan organization.

Brian Bauer is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Bauer serves as treasurer for Limestone University in Gaffney, SC. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Leland Bishop III is a financial advisor with UBS Financial Services in Washington, DC, holding a Series 66 designation and over 23 years of industry experience. He has been with UBS and its predecessor firms since 1995. Outside of his advisory role, he serves on the board of directors and finance committee for the Connelly School of the Holy Child, a Catholic college preparatory school for young women. UBS Financial Services serves individual, corporate, and institutional clients through a mix of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services and delivers advisory solutions through a large network of financial advisors using proprietary research and model-based asset allocations.

Zachary Snyder is a financial advisor with LPL Enterprise LLC, holding a Series 66 designation and bringing two years of industry experience. Prior to joining LPL Enterprise in 2026, he worked at Equitable Advisors, LLC, and has held various roles including positions in hospitality and research. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs through an integrated advisory and brokerage platform.

Brendan Lloyd is a financial advisor with Morgan Stanley in Washington, DC, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at UBS Financial Services, Janney Montgomery Scott, IQBG, and Ralph Lauren Corporation. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and does not include individual security recommendations as part of standalone planning.

Michael Reyes is a financial advisor with Wells Fargo Clearing in Alexandria, VA, holding Series 63 and Series 66 licenses and having 20 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services with an IPS-driven approach grounded in modern portfolio theory. The firm includes insurance-related vehicles and bank deposit sweep options among its investment offerings and acts as an ERISA fiduciary when providing investment advice.