Stephanie Latta is a financial advisor with RBC Capital Markets in Annapolis, MD, holding Series 63, 65, and 66 licenses. She has 26 years of industry experience, including prior work at Morgan Stanley Smith Barney. RBC Wealth Management serves a wide range of clients, including individual investors and institutions, offering advisory and brokerage services with customizable portfolio management and financial planning solutions.

Garrett Foran is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. He has previously worked at Edward Jones and Osaic Wealth Inc., and has held positions outside finance including roles at Mosquito Hunters and Virginia Tech. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Olufunke Oyesola is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing Services, LLC, and Wells Fargo Bank, NA. J.P. Morgan Securities 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 in its recommendations.

Henry Filter III is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1996 and at Bank of America, N.A. since 2011. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patricia Baum is a financial advisor at RBC Capital Markets with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2008, also working with City National Bank since 2017. Baum serves on the Board of Directors for the Baltimore Community Foundation, where she chairs the investment committee, and is a board member of the Rosa Parks Museum. She is president of the Charles C. Baum Foundation, a family charitable organization focused on community grants. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored portfolio management and advisory services, combining in-house and third-party investment resources with options for tax management and responsible investing.

Robert Johnson is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the CFP® and CFA® designations and previously worked at Blackrock Investments, LLC for 12 years. Outside of his advisory work, he serves as Treasurer for his homeowners association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. Schwab offers a combination of non-discretionary advisory relationships alongside access to affiliated discretionary separately managed accounts, supported by an integrated operational structure and a broad range of investment and custody services.

Debra Dillon is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 9 years of industry experience. She has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses Wells Fargo research and tools to develop tailored recommendations for its clients.

Jesse Boyd Jr. is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1993, concurrently working at Bank of America since 2009. 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 investment strategies for individuals, high-net-worth clients, and institutional investors, with portfolio implementation that includes strategic asset allocation and tax-aware options.

Spyros Ritsinias is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005 and holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning, utilizing a centralized team to produce written Recommendation Reports based on investment research, third-party data, and algorithmic tools.

David Kuzma is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 11 years of industry experience. He has been with Cambridge since 2015. Kuzma serves on the board of the Catholic Business Network of Montgomery County and the Maryland chapter of Exit Planning Exchange. He is also an author, educator, and podcast speaker, and owns Blue Chair Publishers, LLC, and Aquilo Accounting & Tax, LLC. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals using a variety of discretionary and non-discretionary investment platforms and proprietary and third-party strategies.

Chad Houser is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2014. Outside of his advisory role, Houser is an employee of Valet Living, a construction and engineering company, and owns rental property in Annapolis, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Christopher Dillon Sr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Cetera since 2013 and has worked with affiliated firms since 2002. In addition to his advisory role, he owns and manages a tax and accounting business, Christopher Dillon CPA, which he has operated since 1994. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party strategies, managing over $256 billion in assets across more than 10,000 advisors.

Cory Gertz is a financial advisor at Edward Jones in Dunkirk, MD, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2023, he worked at Baker Tilly from 2020 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates through a nationwide network of advisors and branches.

Christine Mantich is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 credentials and 20 years of industry experience. Her prior roles include positions at Merrill, Raymond James & Associates, Premier Planning Group, and Cetera Advisor Networks. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options including insurance-related products and bank deposit sweep programs.

Suzanne Offutt is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James Financial. Her prior roles include positions at Commonwealth Financial Network, Bank of America, and Merrill Lynch Pierce Fenner & Smith. She is also the owner of New Day Enterprises, LLC, a private entity involved in securities, advisory, and insurance business. Raymond James Financial Services Advisors, Inc. provides tailored financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm emphasizes non-discretionary planning using risk profiling and analytical tools and supports its services with technology, cybersecurity measures, and artificial intelligence.

Kristin Dubinski is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 32 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Dubinski serves on the Board of Directors and acts as Treasurer for the Naval Academy Women's Golf Association in Annapolis, MD. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a range of advisory, brokerage, and insurance solutions typical of large institutional firms.

John Sigler is a financial advisor with Morgan Stanley in Annapolis, MD, holding a Series 63 designation and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as president of St. John Vianney Catholic Church, where he is involved in budgeting and capital improvement planning. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning using firm-approved tools and serves clients through tailored financial strategies and planning services.

Caitlin Johnston is a Series 66-credentialed financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2012, working out of Annapolis, MD. 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. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Kyle Spilman is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience beginning in 2022. Prior to his advisory roles, he worked at CVS Pharmacy and Mosquito Squad. 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 advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Cheryl Freeman is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2019, with prior experience at UBS Financial Services. Merrill 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, pension plans, corporations, and charitable organizations.