James Tringali is a financial advisor with Morgan Stanley in Reston, VA, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019 and was previously with Purshe Kaplan Sterling Investments from 2015 to 2019. He is also associated with McAdam LLC. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market outlook models.

Karen Tsang is a CFP® with 19 years of industry experience currently with Wells Fargo Clearing. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Outside of her advisory work, she holds limited power of attorney for a friend involving investment activities. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Sean Sinclair is a financial advisor with Edward Jones in Vienna, VA, holding Series 63 and Series 66 credentials and bringing 34 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1992. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies. The firm supports a large network of financial advisors and branch offices and provides affiliated capabilities including a trust company and proprietary mutual funds.

Brendan Morahan is a financial advisor at Charles Schwab with two years of industry experience. His prior roles include positions at New York Life Insurance Company, New York Life Securities LLC, Eagle Strategies (NY Life), Prosperity Home Mortgage, and Boylan & Morahan PLC. He holds Series 63 and Series 65 designations. Charles Schwab & Co., Inc. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Christine Papadopoulos is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Merrill since 2017, following prior roles at JP Morgan Securities LLC and JPMorgan Chase Bank. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts, supported by internal Chief Investment Office teams and third-party managers.

Patrick Phimmasone is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has worked previously at Fidelity Investments, Woodbury Financial Services, and PIM Capital. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Maritza Hernandez is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds the Series 66 designation and previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley for nine years, as well as at PNC Wealth Management for one year. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

John Butz is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and has prior work experience at SAIC, Fairfield University, and St. Andrews Episcopal School. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and operates both brokerage and advisory solutions supported by research and portfolio theory.

Carla Britton Ramsey is a CFP® professional with four years of industry experience, currently affiliated with Edward Jones. Her prior roles include positions at Raymond James Financial Services Advisors, T Rowe Price Investment Services, and The Vanguard Marketing Corporation. She has also operated Carla Ramsey Financial Coaching LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory solutions. The firm manages approximately $1.01 trillion in assets and provides both discretionary and non-discretionary strategies supported by a large network of financial advisors and branch offices nationwide.

Mark Llorens is a financial advisor at Edelman Financial Engines with a Series 65 designation and four years of industry experience. His professional background includes roles at Variant Private Wealth and Financial Engines Advisors L.L.C. before joining Edelman Financial Engines. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary investment management with an emphasis on diversified portfolios and long-term orientation.

Jonathan Frantz is a financial advisor at Wells Fargo Clearing with a Series 66 designation. He has no prior industry experience but served 10 years in the United States Army before joining the firm. He also has a one-year work history at Georgetown University. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets with more than 14,000 financial advisors and provides both brokerage and advisory solutions.

Nelson Montes Torres is a financial advisor with Wells Fargo Clearing in Fairfax, VA, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America, CVS, Uber, and Target. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and uses modern portfolio theory, acting as an ERISA fiduciary and providing both discretionary and non-discretionary services.

Jin Park is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has more than 20 years of experience in the financial services industry, beginning his wealth management career in 2000. Before joining Merrill Lynch in 2015, he gained knowledge as a CPA and worked on Wall Street in New York City. Jin earned a Bachelor's degree from Salisbury State University and holds an MBA in Finance from the University of Texas at Austin. He holds the Personal Investment Advisor (PIA) designation. Jin specializes in areas including equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. He works with a client base primarily located in Virginia, California, Nevada, Texas, and Tennessee, offering tailored, customized financial plans and portfolios for each client. Jin collaborates with clients' attorneys and accountants to help ensure alignment in financial and legacy plans. Outside of his professional work, Jin enjoys basketball, football, golfing, hiking, and reading. He values spending time with his daughter and is also an active participant in managing his own investments.

Leonard Warren is a CFP® professional with 33 years of industry experience. He is currently with RBC Capital Markets, where he has worked since 2023, following a 13-year tenure at Janney Montgomery Scott. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with customized investment strategies implemented through a mix of in-house and third-party managers, integrating portfolio management, financial planning, custody, and brokerage services.

Andrew Fincher is a CFP® professional with six years of experience in the financial advisory industry. He is currently with Cetera and has held roles at Cetera Wealth Services, VLP Financial Advisors, and Cassaday and Company. Fincher serves as a board member and committee chair for the Financial Planning Association, focusing on networking and collaboration with young planners in the Washington, DC area, and is also a board member of the Virginia Tech Financial Planning Advisory Board. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients with a variety of portfolio management, planning, and consulting services. The firm offers multiple program structures, including discretionary and non-discretionary authorities, and provides access to affiliated and third-party investment managers.

Julia Jarrett is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and six years of industry experience. She has worked with Wells Fargo Clearing Services LLC since 2019 and Wells Fargo Bank NA since 2014. Outside of her advisory role, she serves as a power of attorney for her father. 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 broader range of investment options including insurance-related vehicles and bank deposit sweep programs.

Heidi Partida is a Series 66-licensed financial advisor with two years of industry experience. She has worked at Edward Jones since 2025 and previously held roles at Guidance Investments LLC, Guidance Securities LLC, and Guidance Residential. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a wide range of households, pension plans, corporate clients, and charitable organizations. The firm offers various advisory strategies and maintains a large nationwide network of advisors and branch offices.

Julio Villazon is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing Services, Wells Fargo Bank, Bank of America, and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Stephen Foki is a financial advisor with Morgan Stanley in Reston, VA, holding Series 63, 65, and 66 licenses and 14 years of industry experience. Prior to joining Morgan Stanley in 2021, he worked at Charles Schwab and Schwab Bank for eight years and had brief roles at Clarion Wealth Management Partners and Groff Landscape Design, LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning solutions.

Brett Chelf is a financial advisor at Charles Schwab with 33 years of industry experience. He holds Series 63, 65, and 66 licenses and has been with Charles Schwab since 1995, including 21 years at Charles Schwab Bank. 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 offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence on alternative investments.