Scott Falkowitz is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Ameriprise and its affiliates since 2003, following three years at Merrill. Falkowitz is also the owner and president of SCF Inc, a corporation related to his financial advising practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written retirement-income recommendations and ongoing tax-aware planning.

Philip Defelice is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at Wells Fargo Securities, LLC for 17 years and is also affiliated with Divine Lifestyle Group Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm primarily employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Marco Sacca is a financial advisor at Robert W. Baird & Co. with 24 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 66 designations. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group provides tailored consulting and portfolio services, including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Beau Horning is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has two years of industry experience and previously worked at Samsung Austin Semiconductor. He volunteers as a committee member for the Women’s Traffic & Transportation Club in Baltimore, MD. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, offering services such as financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm provides multiple investment platforms and strategies, including proprietary models under Founders Gate Capital and access to third-party managers.

Richard G. Mohelski is a Wealth Management Advisor, Senior Vice President, and Portfolio Manager at Merrill Lynch Wealth Management. With over 30 years in the financial industry and more than 20 years holding the Chartered Financial Analyst® designation, he employs a disciplined wealth management process that integrates clients' risk tolerance, time horizon, liquidity needs, and investment goals. Richard's approach includes comprehensive reviews of clients' financial and personal lives to establish tailored objectives and develop appropriate portfolio strategies. He utilizes the investment resources of Merrill and banking capabilities of Bank of America to provide products and services aimed at simplifying and integrating clients' financial lives. Richard regularly conducts financial reviews to monitor progress and adjust strategies as needed based on life changes or market conditions. Richard graduated from the University of Virginia in 1992 with a Bachelor of Arts degree in Economics and a Minor in Religion. He holds multiple professional designations including Chartered Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is a member of professional organizations such as the Baltimore Security Analysts Society, CFA Institute, College for Financial Planning, and National Association of Plan Advisors. Outside of his professional career, Richard is married to Gayle and they have two sons and a daughter.

Barbara Walters is a financial advisor with Equitable Advisors in Hunt Valley, MD. She holds Series 63 and Series 66 licenses and has 14 years of industry experience, having previously worked at RBC Capital Markets and Stifel Independent Advisors. Walters is also a commissioned notary in the state of Maryland. Equitable Advisors serves a wide range of clients, including individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and various asset-management programs through a network of Investment Adviser Representatives and partners with third-party asset managers and advisory programs.

Avis Fagu is a financial advisor with Wells Fargo Clearing, holding CFP® and Series 66 credentials and bringing 21 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a three-year tenure at WELLS FARGO Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and a broad range of brokerage and advisory solutions.

Eric Villamater is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Sarah Cicero is a CFP® professional affiliated with Osaic, with 22 years of experience in the financial services industry. She has worked at Lincoln Financial Advisors Corp from 2003 to 2025 and StoneBridge Advisors, Inc. since 2005. She also owns StoneBridge Advisors and provides insurance products including disability insurance and annuities. Sarah serves as power of attorney for her mother, overseeing financial and legal decisions if needed. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to multiple investment platforms and third-party money managers.

Timothy O'Brien is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his advisory career, he worked for four years at La Tolteca Mexican Restaurant. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients. The firm supports a range of clients including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Campbell Jamieson is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this position, he partners with clients and their families to understand their financial landscape, develop a roadmap, and guide them towards their financial goals through comprehensive personalized planning. Prior to joining Fidelity Investments, Campbell worked as a Senior Sales Consultant at T. Rowe Price from 2020 to 2024. Before that, he served as a DCIO Internal Wholesaler at State Street Global Advisors from 2016 to 2020. His professional experience spans investment consulting and sales roles within prominent financial institutions. [No information about education, credentials, personal interests, or community involvement was provided.]

Brooke Coligan is a Series 66-licensed financial advisor at Morgan Stanley with two years of industry experience. Her prior work includes roles at Gorman & Williams and involvement with Towson University and Blue Water Baltimore. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly to individuals as well as through corporate agreements.

Grant Talbot is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Ameriprise, he held roles at Chipotle Mexican Grill, Equitable Advisors, and Kuttin Wealth Management. Outside of his advisory duties, he serves on an alumni board and manages a Peerspace listing for a conference room rental. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

Edwin Hogan is a financial advisor with Primerica Advisors, holding the ChFC® designation and a Series 63 license, with eight years of industry experience. His work history includes roles at PFS Investments Inc. since 2017, service in the Army National Guard since 2014, and tenure at Primerica Financial Services since 2013. Outside of advising, he works as a notary public and loan signing agent and has been an Uber driver since 2021. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, operating under a tiered wrap-fee structure.

Joseph Williams is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Ameriprise in 2026, he worked at Raymond James Financial Services Advisors and Chesapeake Wealth Advisors. Outside of finance, he was involved with JTW Fitness LLC for eight years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies.

Ryan Gutowski is a CFP®-certified financial advisor with 12 years of industry experience, currently practicing at Wells Fargo Advisors since 2020. Prior to joining Wells Fargo, he worked at UBS Financial Services Inc for five years. He is the principal owner of Gutowski Wealth Management LLC and holds minority ownership interests in several other investment-related entities. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services tailored to clients who meet net-worth thresholds. The firm’s approach includes using proprietary research and planning tools to develop customized recommendations across diverse planning areas.

Jennifer Wade is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2021 and previously spent 23 years at Merrill Lynch. Outside of her advisory role, she owns and operates a pressure washing business in Sykesville, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services supported by structured planning tools and a broad platform of investment offerings.

Edward Witherspoon is a CFP® professional with 30 years of industry experience, currently affiliated with Cetera. He has held roles at Holistic Private Wealth since 2014 and at Cetera Financial Specialists LLC and Cetera since 2012. He serves as a board member for the Al Cesky Scholarship Fund and Harford Community College. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform and a variety of program options.

Peter Della Croce is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Outside of his advisory role, he is a committee member of The Myositis Association and serves as Chair of Leadership Development for The Arc of Howard County, a healthcare organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved planning tools.

Marcus Harris is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. He brings over 20 years of experience in financial advising, having previously worked as a Financial Consultant at Fidelity from 2010 to 2015 and as a Financial Advisor at Morgan Stanley Smith Barney from 2004 to 2009. His professional focus includes investment council and retirement planning for affluent and high net worth investors. Marcus specializes in retirement planning, tax efficient investing, estate planning considerations, gifting strategies, Social Security, and asset preservation. He emphasizes clear communication with clients, aiming to provide collaborative guidance that is prudent and predictable. Outside of his professional work, Marcus has personal interests in biking, museums, reading, skiing, and traveling.