Margaret Knight is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in assisting business owners and high-level executives with wealth building, preservation, and succession planning to establish multi-generational financial stability. Ms. Knight focuses on client needs such as education planning, executive compensation, legacy planning, liquidity management, managing new wealth, and tax minimization. She applies a process that addresses complex financial questions related to investing, taxation, and sustainable wealth to help clients achieve financial freedom and flexibility. Ms. Knight holds a Bachelor's Degree in Finance from the University of Maryland, Robert H. Smith School of Business, and an Associate's Degree from Frederick Community College. She also has a High School Diploma from Linganore High School. Her professional designations include Accredited Portfolio Management Advisor (APMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Prior to her career in finance, she spent 17 years as a competitive Irish Dancer, competing at the worlds, national, and regional championships. Outside of her professional work, Ms. Knight lives in Arlington, VA with her fiancé, Carson. She enjoys golfing, pickleball, and running.

Marshall Kayda is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Bank of America N.A. and TechTronic Industries. 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, and various institutional investors.

Abril Azmi is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill since 2008. 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 Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Bulman is a Series 66-licensed financial advisor with 24 years of industry experience. He is affiliated with Cetera and has held advisory roles at Lincoln Financial Advisors and his own firm, Bulman Financial LLC. Outside of his advisory work, he is a co-owner of two restaurants through an LLC. Cetera Investment Advisers LLC supports a large network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program platforms, utilizing affiliated and unaffiliated third-party managers.

Charles Ross is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, institutional investment consulting, and services for endowments, foundations, and non-profits. His areas of expertise include personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, tax minimization, and retirement income. Ross is committed to managing clients' wealth through personalized strategies that adapt to changing market conditions. He offers access to investment insights from Merrill and banking convenience and lending solutions from Bank of America. His approach focuses on creating flexible financial plans tailored to clients' long-term goals. Outside of his professional work, Ross participates in community volunteering and enjoys boating, fishing, football, golfing, running, spending time with his family, and traveling.

Brad Baker is a Financial Consultant at Fidelity Investments, where he has worked since 2023 in various roles spanning from Financial Service Representative to his current position. He collaborates closely with clients to understand their financial goals and preferences, aiming to provide clear and purposeful financial planning. Throughout his tenure at Fidelity Investments, Brad has gained experience in financial consulting, planning, and client relationship management. His approach emphasizes simplicity and partnership in the financial planning process, working alongside clients to pursue their objectives. Outside of his professional role, Brad has interests in baseball, football, running, skiing, and traveling.

Therese Anderson is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at LPL Financial since 2009 and currently provides investment advisory services through Global Retirement Partners, LLC. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, with discretionary and non-discretionary management options supported by model portfolios and research.

Steven Umstead is a CFP® professional with 36 years of experience, currently serving as a financial advisor at Charles Schwab. His prior roles include positions at USAA Financial Advisors and USAA Investment Management Company. He also co-founded Quattro Goombas Brewery, a venture outside the financial industry. Charles Schwab 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, combining non-discretionary advisory relationships with access to affiliated discretionary portfolios and a formalized alternative investment process.

Timothy Hando is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2013. Outside of his advisory role, he serves on the House Committee at Bethesda Country Club, which oversees the club's food and beverage operations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management, utilizing proprietary research and model-based asset allocations to tailor client solutions.

Michael Riley is a CFP®-certified financial advisor with 21 years of industry experience, currently with RBC Capital Markets since 2009. Based in Rockville, MD, he holds a Series 66 license and has been active in the horse breeding and showing business since 2023. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering customized advisory programs with discretionary and non-discretionary portfolio management through a combination of in-house and third-party investment managers.

Aidan Carter is a financial advisor at RBC Capital Markets with a Series 66 designation and one year of industry experience. Prior to joining RBC, he held positions with Pro Football Focus, Legendary Sports Group, and has an academic background with Ithaca College and Severn School. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, combining in-house and third-party investment resources along with specialized services like tax management and responsible investing.

Michael Beriss is a financial advisor with Ameriprise in Chevy Chase, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns and manages Beriss & Associates LLC and serves on the Board of Trustees for the Shakespeare Theatre Company. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement with significant investable assets, providing detailed recommendations on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and advisory support delivered through a centralized consulting team to assist clients in managing their retirement income plans.

Aashish Goel is a financial advisor at Morgan Stanley with 25 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Robert Baker is a Resident Director at Merrill, where he provides financial advisory services tailored to the unique needs of each client. His work focuses on building and maintaining long-term wealth by controlling risk and creating strategies aligned with individual goals and risk tolerance. His practice includes customized investment and retirement planning, advanced planning for monetization and liquidity events, pre and post-IPO planning for executives, concentrated stock strategies including Rule 144 and 10b5-1 planning, tax minimization strategies such as gifting and estate planning services, and private business succession and transition planning. Robert holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Robert earned a Bachelor's Degree from Virginia Polytechnic Institute & State University and completed his high school education at Loyola Blakefield. He is involved in the community through his participation with Higher Achievement.

Jason Cohen is a CFP® professional with 25 years of experience in financial advising. He is currently with LPL Financial, where he has worked since 2007, and previously spent five years at Stratos Wealth Partners, Ltd. Cohen is also involved in several related business activities, including managing a life and health insurance practice and operating an insurance agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory and brokerage services, including financial planning, retirement consulting, and access to model portfolios and research from in-house and third-party sources.

Steven Rosner is a financial advisor at Ameriprise with 11 years of industry experience. He previously worked at PNC Bank and PNC Investments for ten years. Outside of his advisory role, he is a co-owner of the nonprofit JUSTiN'S LOVE Inc. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Saloma Bechara is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has held positions at firms including Wells Fargo and CUNA Mutual Group. In addition to her advisory work, she is a private banker at First National Bank of PA, focusing on banking account openings, loans, and lines of credit. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary strategies.

Louis Lachter is a financial advisor with Morgan Stanley in Bethesda, MD, holding Series 63 and Series 66 credentials and bringing 35 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and at Morgan Stanley Smith Barney and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including 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 financial planning process supported by firm-approved tools and modeling techniques.

Pamela Settlage is a CFP® professional with 38 years of industry experience, currently serving at LPL Financial since 2025. Her prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and operating Settlage Associates since 1991. She is also involved in tax preparation and accounting through Settlage & Associates, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research, model portfolios, and technology-driven strategies.

Sally Ann Pauw is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill since 2021 and has previously worked as an independent consultant and with AKLDP - USAID. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.