Julian Ball is the principal of Ball Wealth Management LLC in Owings, MD, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 3 years of industry experience and has operated his independent advisory firm since 2004. Ball Wealth Management LLC is a single-advisor registered investment adviser providing discretionary portfolio management to individuals and various institutional clients, including qualified retirement plans, trusts, and corporate pension plans. The firm uses fundamental analysis and a long-term buy-and-hold investment approach, with continuous portfolio monitoring and customized investment policy statements for each client.

Antonio Batiste is a financial advisor at Avadim: Financial, Limited Liability Company with Series 63 and Series 65 credentials and over one year of experience in the financial services industry. His prior roles include positions at Northwestern Mutual Investment Management and JD Power via Kforce Staffing. Outside of his advisory work, he is involved with A Healthy Peace of Mind LLC, a business he has been associated with since 2024. Avadim: Financial provides financial planning and investment advisory services to individuals, families, and small-to-medium sized businesses, using a three-phase planning process combined with risk assessment to guide investment recommendations. The firm offers both non-discretionary advice and discretionary portfolio management only after clients complete its planning intake and serves working-class clients with a variety of payment options.

William Fields is a Series 65-licensed financial advisor with nine years of industry experience. He is the sole advisor at WD Financial Solutions, where he has worked since 2021. Prior to this, he held roles at PFS Investments Inc. and Primerica Financial Services. Outside of his advisory work, Fields serves as a consultant for Optimum Homes, Inc. and Optimum Business Services. WD Financial Solutions is an independent, state-registered investment adviser serving individuals, trusts, estates, charitable organizations, and small businesses. The firm offers investment management, financial planning, retirement plan consulting, educational seminars, and estate-planning facilitation through an independent LegalShield representative, employing a mix of fundamental, technical, and cyclical analysis alongside both active and passive strategies.

Nicholas Boyd is an investment advisor representative at Calvert Wealth Management, Inc. with seven years of industry experience. He has worked at Calvert Wealth Management since 2018 and previously held roles at APW Capital, Inc., Addison Group, and American University. Calvert Wealth Management serves individuals, trusts, estates, charitable organizations, and employer-sponsored retirement plans, providing discretionary portfolio management along with wealth planning and financial consulting. The firm emphasizes diversified asset allocation and offers fiduciary services for employer plans using an institutional custody and trading platform.

John Stone is a financial advisor at Calvert Wealth Management, Inc. in Dunkirk, MD, holding a Series 66 designation with 16 years of industry experience. He has worked at APW Capital, Inc. since 2011 and at Calvert Financial Advisory since 2008. Outside of his advisory role, he is also a licensed insurance agent for life and variable products. Calvert Wealth Management serves individuals, trusts, estates, charitable organizations, and employer-sponsored retirement plans, offering discretionary portfolio management alongside comprehensive wealth planning and financial consulting. The firm emphasizes asset allocation with diversified portfolios and combines retail wealth management with fiduciary services for employer plans.

Kelly Sheahan is a financial advisor at Calvert Wealth Management, Inc. in Dunkirk, MD, holding a Series 65 designation with nine years of industry experience. She has been with Calvert Wealth Management since 2012. Calvert Wealth Management serves individuals, trusts, estates, charitable organizations, and employer-sponsored retirement plans, offering discretionary portfolio management alongside wealth planning and financial consulting. The firm emphasizes asset allocation over market timing and maintains diversified, risk-based portfolios with regular reviews.

Nicole Belanger is a financial advisor with Mariner Independent, holding Series 63 and Series 66 credentials and having approximately one year of experience in the industry. Her prior work includes roles at Fidelity Investments and Connect Wealth, as well as experience outside finance in education and retail jewelry. Mariner Independent provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers portfolio management, access to model portfolios and third-party managers, and specialized retirement plan services, supported by institutional resources and affiliated investment relationships.

Bryan Dowell is a financial advisor with Kovack Advisors, Inc. who holds Series 63 and Series 66 credentials and has 31 years of industry experience. He has been with Kovack Advisors since 2014 and operates his own tax preparation business, Dowell Financial Services. He is also involved as a director of the Calvert Farmland Trust, which works to protect farms in Calvert County, MD. Kovack Advisors, Inc. is an enterprise investment adviser serving a diverse client base including individuals, corporations, and financial institutions nationwide. The firm offers discretionary and non-discretionary asset management, third-party manager recommendations, and financial planning, with an investment approach focused on diversified asset-class exposure primarily through mutual funds and ETFs.

Chrystie Way is a financial advisor at First Command Advisory Services with five years of industry experience. She holds a Series 66 designation and has worked in various roles within First Command since 2020. Prior to her financial services career, she held positions at HITT Contracting and Sentara Hospital. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through a multi-service platform that includes financial planning, discretionary asset management, brokerage recommendations, and insurance and banking product distribution via affiliated entities. The firm emphasizes advisor-led planning relationships and offers a structured Tailored Professional Services engagement with a 12-month cycle that includes written financial plans and periodic progress meetings.

Michael Moreland is a financial advisor with PNC Wealth Management in Charlotte Hall, MD. He holds the Series 66 designation and has 16 years of industry experience, including over 11 years with PNC Investments. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account pilot that uses algorithm-driven risk assessment and third-party managed investment strategies.

Gwendolyn Rothrock is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with PNC Investments since 2007. PNC Wealth Management offers retail brokerage and advisory services through various model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account for employees. The firm employs approved model strategies with mutual funds and ETFs, using algorithmic tools for risk assessment and annual rebalancing.

Julia Payne is a financial advisor at PNC Wealth Management with 13 years of industry experience. She has held her current role since 2015. Outside of her advisory work, she is a partial owner of Ready Go Promo, a non-investment-related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithm-driven risk assessment and executes investments via approved model strategies managed by PNC or third parties.

Kareem Campbell is a financial advisor at PNC Wealth Management with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including JPMorgan Chase Bank, Merrill, Bank of America, Wells Fargo, and PNC Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs. Its Portfolio Solutions Strategist Digital Offering is an invitation-only, algorithm-driven discretionary model account for PNC Bank employees, utilizing approved model strategies and executed by investment delegates.

Justin Emmert is a CFP®-certified financial advisor with 10 years of industry experience. He is currently affiliated with Commonwealth Financial Network and Pathway Wealth Partners. Prior to these roles, he worked at M&T Securities for six years. Emmert spends a portion of his time engaged in fixed insurance sales. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services. The firm offers various investment platforms and model portfolios while supporting advisors with operations, technology, compliance, and practice management.

Ingrid Lamb is a financial advisor with Money Concepts Capital Corp, holding the PFS™ designation and Series 66 license, and has 25 years of industry experience. She has been with Money Concepts Capital Corp since 2002. Outside of her advisory role, she owns and operates Bayview Financial Consulting LLC, a tax preparation business. Money Concepts Advisory Service provides portfolio management, financial planning, and consulting to a diverse client base including individuals, pension plans, trusts, charitable organizations, and corporations. The firm employs a variety of investment programs and utilizes both proprietary and third-party strategies to manage approximately $3.33 billion across about 14,700 clients.

Mark Spitler is a financial advisor at First Command Advisory Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with the First Command family of companies since 1993. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through financial planning, discretionary asset management, brokerage, and insurance and banking product distribution. The firm offers advisor-led planning relationships and structured Tailored Professional Services engagements, supported by an in-house investment management team that manages model portfolios on a discretionary basis.

William Gaines Sr. is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 12 years of industry experience. He has worked at Commonwealth since 2016 and previously was with Edward Jones from 2014 to 2016. Gaines also engages in fixed insurance sales as a secondary business activity. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Michael Cox is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 18 years of industry experience. He has been with Commonwealth since 2014 and is currently associated with Pathway Wealth Partners, where he also holds ownership. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and support services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm offers advisors discretion in portfolio construction and manages model portfolios through a structured due-diligence process.

Angela Macon is a financial advisor at MissionSquare Retirement with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Voya Financial Advisors and ICMA-RC Services, LLC. Outside of finance, she owns two small businesses: a freelance makeup service and a tax preparation service. MissionSquare Retirement serves state and local government employers, their employees, and certain nonprofit entities by administering deferred compensation and qualified retirement plans. The firm offers plan administration, recordkeeping, education, and advisory services including discretionary managed accounts and fund advice developed in partnership with Morningstar Investment Management.

Tobin Mergenthaler is a financial advisor with Eagle Strategies (NY Life) and holds Series 63 and Series 65 designations. He has 14 years of industry experience and has been with Eagle Strategies since 2015, also working with NYLife Securities LLC since 2011 and New York Life Insurance Company since 2007. Eagle Strategies LLC provides financial planning, investment advisory, and retirement plan consulting services to individuals, employer-sponsored retirement plans, trusts, charitable organizations, and corporate clients. The firm utilizes client-directed solutions and third-party managers, operating as an indirect subsidiary of New York Life with a combination of advisory, insurance, and broker-dealer capabilities.