John Maienshein is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked at PFS Investments Inc. since 2008 and Primerica Financial Services since 2007. In addition to his advisory role, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account strategies under a wrap-fee structure. The firm curates third-party asset managers and oversees portfolio implementation via BNY Mellon Advisors.

James Burris is a financial advisor at J.P. Morgan Securities with one year of industry experience. He holds a Series 66 designation and previously worked at Booz Allen Hamilton and Accenture LLP. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Bryan Karsner is a financial advisor at Cetera with 22 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Voya Financial Advisors and BRK Financial, LLC, which he owns. Outside of his advisory work, he coaches youth tee ball, baseball, and soccer teams in Severna Park, MD. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various investment management and financial planning services through a nationwide network of independent advisors and supports multiple portfolio management approaches including model portfolios and bespoke strategies.

Martin Krist is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at MML Investors Services, MassMutual, The Prudential Insurance Company of America, and Pruco Securities. Outside of his advisory work, Krist operates a tax preparation and accounting business under MK Enterprises. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of over 22,800 advisors and advanced operational tools.

J. Brady Grygrowski is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Equitable Advisors since 2007 and previously worked at Ameriprise for one year. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and a variety of asset-management programs. The firm utilizes a range of advisory models, including third-party TAMPs and proprietary solutions, focusing on client information gathering, risk assessment, and tailored investment implementation.

Christina Foster is a financial advisor at Ameriprise with 17 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as Treasurer on the Board of Directors for the Sand Cay Homeowners Association and owns CFF, LLC, a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset thresholds. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jacob Harris is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Harford Financial Group and has a background that includes time at Loyola University Maryland and Harford County Public Schools. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Harry Spar is a financial advisor at Wells Fargo Advisors with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked within various Wells Fargo entities since 2012. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet specific net-worth criteria, utilizing proprietary research and planning tools to develop customized recommendations.

Pavel Petrash is a CFP®-certified financial advisor with 11 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. He previously worked at T Rowe Price and PNC Bank. In addition to his advisory role, he provides financial consultation to clients at Fulton Bank. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, and institutional organizations. The firm employs tailored, non-discretionary planning and utilizes analytical tools such as risk profiling and probability modeling to support client goals.

Humberto De Luigi is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he is the proprietor of Susquehanna Farms, an alpaca breeding business in Maryland. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, incorporating proprietary research and model-based asset allocations to tailor plans to client goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including custody, underwriting, and capital markets operations.

Connor Effinger is a financial advisor at Morgan Stanley with six years of industry experience. He previously worked at T. Rowe Price and Elevation Corporate Health LLC. Effinger holds Series 63 and Series 65 licenses. 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. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and analysis.

Ayanna Byrd is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Her prior roles include positions at Merrill Lynch, Merrill Edge, and V-Tech Solutions. Byrd has also been involved with the University of Maryland School of Pharmacy's PATIENTS Program. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning that incorporates firm-approved tools and scenario modeling to guide outcomes.

Bria Lee is a financial advisor at Morgan Stanley in Lutherville, MD, holding a Series 66 designation with nine years of industry experience. Prior to joining Morgan Stanley in 2017, she worked at Merrill and Uber. Outside of her advisory role, she is a partner in a real estate business based in Baltimore. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

Richard Gottlieb is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Grove Point Investments, H. Beck, Inc., and his own firm, Richard Gottlieb. Outside of advising, he hosts the Woodhome Insurance Podcast and has entrepreneurial involvement with High Stakes Drive, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by operational tools, and oversees over $819 billion in discretionary assets through a large network of advisors.

Jalisa Beckwith is a Series 66 licensed financial advisor with six years of industry experience. She currently works at Morgan Stanley and has held prior roles at T. Rowe Price, Bank of America, Merrill, and Senior Helpers. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a range of advisory programs supported by structured planning tools and extensive resources.

Christopher Sadowski is a Series 66 licensed financial advisor with Cambridge Investment Research Advisors, where he has worked since 2012. He has seven years of industry experience. Outside of advising, he serves as president of the Arbutus Community Association and umpires softball games in Maryland. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and other clients with financial planning, investment management, and retirement plan advisory services. The firm offers a range of investment solutions through independent Financial Professionals, including proprietary models and access to third-party managers, with both discretionary and non-discretionary implementation options.

Brian Parker II is a Series 66 licensed financial advisor with Morgan Stanley in Lutherville, MD, where he has worked since 2014, including 11 years at Morgan Stanley Private Bank, National Association. He has 12 years of industry experience. Outside of his advisory role, Parker serves on the Board of Directors and Finance Committee for Our Lady of Mt. Carmel, a private K-12 school in Baltimore. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market analysis to support client financial goals.

Michael Belfiore is a financial advisor with Equitable Advisors holding a Series 66 designation and three years of industry experience. His prior roles include work at Cornerstone Loft & Grill, Sun Automation Group, and South River Landscapes LLC. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of investment adviser representatives, utilizing both proprietary and third-party solutions.

Brendan O'Brien is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at LPL Financial since 2009, following roles at Morgan Stanley, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. He operates an additional business entity named Old Irish Guys Financial related to his LPL advisory practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, and institutions. The firm offers a range of financial planning and investment management solutions, including third-party asset management and institutional platforms.

Frank Hughes Jr. is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Deutsche Bank Securities Inc. from 2000 to 2006. He also has ongoing roles with M&T Bank and M&T Securities, Inc. since 2013. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational and research tools.