Charles Dixon is a financial advisor with First Command Advisory Services, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has been with First Command Advisory Services since 2015 and also maintains roles at affiliated First Command entities since 2014. Outside of his advisory work, Dixon serves as Treasurer of the United States Naval Academy Alumni Association Annapolis Chapter and Vice President of the United States Naval Academy Class of 1979 board. He is also owner of Dixon Financial Group LLC and holds leadership roles in his local church and community organizations. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporations, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and wrap-fee asset management programs using centralized portfolio management and prescreened third-party managers, emphasizing in-person financial coaching and an employee-ownership structure.

Thomas Desiderio Jr. is a CFP® credentialed financial advisor with 31 years of industry experience, currently serving at Kestra Advisory since 2016. He has held roles at Kestra Investment Services, LLC since 2009 and operates Thomas Desiderio, CPA, LLC, providing tax preparation and accounting services. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors, with services ranging from fiduciary consulting to plan-level investment advice and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional clients such as sovereign wealth funds.

Tatiana Dadykina is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Wealthspire Advisors since 2018. Prior to Wealthspire, she worked at AXA Advisors LLC from 2015 to 2018. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets with about 220 advisors and nearly 9,700 clients. The firm serves individuals, including high-net-worth clients, corporate and pension plans, nonprofits, and foundations, using an institutional-style asset allocation framework and offering services such as wealth management, financial planning, and retirement-plan consulting.

Kevin Patterson is a CFP® professional with 18 years of industry experience, currently affiliated with Commonwealth Financial Network and Guardian Wealth. His prior experience includes 16 years at Valic Financial Advisors and two years at Agia. Outside of his advisory work, he owns KD Patterson Music, LLC, which manages a band based in Annapolis, MD. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support, with discretionary model portfolios managed by its Investment Management and Research team.

Elaine Shanley is a CFP® professional with 29 years of industry experience, currently affiliated with Private Advisor Group, LLC. She has worked with Young and Company and has been an independent insurance agent since 1996. Shanley is based in Towson, MD. Private Advisor Group, LLC manages over $41 billion across more than 135,000 client relationships, providing portfolio management, financial planning, and retirement plan consulting services to individuals, trusts, estates, charitable organizations, and corporate clients. The firm employs a range of investment strategies and supports held-away account management through technology partnerships.

Terry Reinhart is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 29 years of industry experience. His career includes roles at Grove Point Investments, H. Beck, Inc., Calhoun & Ward, LLC, and ownership of Reinhart & Associates, PC, a tax preparation and accounting firm he has operated since 1971. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technology-driven strategies.

Robert Petty is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and extensive investment resources.

Kevin Smole is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity since 2001, progressing through roles including Financial Planning Consultant, Investor Center Investments Representative, and Service Trader II. With 25 years of experience, Kevin helps clients recognize their financial goals and offers strategies to align with their plans. He draws upon the resources available at Fidelity to support his clients' financial planning needs. Outside of his professional role, Kevin's personal interests include boating, family activities, fitness, hiking, skiing, and traveling.

Brian Waak is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 19 years of industry experience, including 18 years at Cuso Financial Services and ongoing service at NASA Federal Credit Union. Waak also offers investment products and services through NASA Federal Investment Services, a trade name used in connection with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs and financial planning services with access to model portfolios, third-party subadvisors, and advanced technologies.

Michael Phillips is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked at UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor strategies to client goals.

Mark Mc Mullen is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and at Bank of America, N.A. since 2024. He also has prior experience with Nationwide Insurance and Salisbury University. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, combining internal Chief Investment Office models and third-party managers.

Stephen Sciannella is a financial advisor at Edward Jones in Arnold, MD, holding Series 65 and Series 63 licenses with three years of industry experience. He previously worked at Cambridge Investment Research, Inc. and spent eight years at Paychex, Inc. before joining Edward Jones in 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices nationwide.

Danielle Newman is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors and Wells Fargo Clearing since 2009. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Todd Batty is the Vice President Private Wealth Management Advisor. In this role, he assists multiple generations of families in developing personalized wealth strategies focused on growth, preservation, and transfer of their assets. He collaborates with a team that includes an Investment Manager, a Senior Wealth Planner, and a Trust Officer to provide comprehensive wealth planning services. Todd has been with Fidelity Investments since 2008, initially serving as Vice President, Financial Consultant until 2015, and then advancing to his current position. Prior to that, he worked as an Account Coordinator at T. Rowe Price from 2002 to 2007.

Crystal Davis is a CFP® professional with 14 years of industry experience, currently affiliated with Cetera. She has held roles at multiple firms including Avantax and operates her own Davis Financial Services LLC, providing tax preparation and business consulting. Additionally, she serves as a director at Davis & Ritter CPA's LLC and is involved in editorial work for various publications. Cetera Investment Advisers LLC is a nationally registered SEC adviser supporting a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services to individuals, retirement plans, corporate, charitable, and institutional clients through discretionary and non-discretionary program platforms.

David Ivey is a financial advisor with LPL Financial in Annapolis, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 22 years of industry experience, including prior roles at Nationwide Securities and the Charlie Deale Agency. Outside of his advisory work, he owns Ivey Services Inc., a non-investment-related business in Annapolis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Cullen Murray is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1993 after earning a Bachelor of Science degree in Finance from Towson University. He holds the Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), and Personal Investment Advisor (PIA) designations, and is a member of the Investments & Wealth Institute. Cullen provides professional services to entrepreneurs, not-for-profits, endowments, and foundation clients, assisting them in achieving their goals and missions. His expertise includes family wealth management strategies, institutional consulting, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, philanthropic planning, and individual and corporate investment strategy. A long-time resident of Annapolis, Cullen is involved in the community, serving as a board member and president of the Anne Arundel Community College Foundation and as a board member of the Friends of St. John's College. He has also served as a board member of the Anne Arundel Medical Center Foundation and as president and board member of Hospice Cup, Inc. In his personal time, Cullen enjoys boating, golfing, running marathons, scuba diving, surfing, swimming, and traveling.

Spencer Neal is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and has a longer history with Cambridge Investment Research, Inc dating back to 2008. Neal serves as a board member and chairman of the Baltimore Washington Medical Center Foundation and holds positions on several other nonprofit boards, including the Clemson Regional Board of Directors. He is also the owner and CEO of The Absolute Club, a golf membership travel business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent professionals, using a variety of portfolio management approaches and platforms tailored to client objectives.

Thomas Hutcheson III is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009, working at both Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and methodologies such as Monte Carlo simulations.

Philip Verley is a financial advisor with Primerica Advisors in Lanham, MD, holding Series 63 and Series 65 licenses and nine years of industry experience. He has been with Primerica Advisors since 2017 and has worked with Primerica Financial Services since 2015. Outside of his financial advisory role, he operates a photography business. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm provides advisory services primarily through model-delivery strategies managed by third-party asset managers and supports trade execution and custody with established financial institutions.