Andrew Kelen is a CFP® and CFA® with 14 years of industry experience. He has been with Equity Services, Inc. since 2012 and is also affiliated with National Life. Outside of his advisory role, he serves as an agent licensed to sell life and health insurance through Worthington Financial Partners and holds director positions focused on insurance services at Sortino Financial Group and Sortino Financial LLC. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, frequently employs third-party asset managers, and combines long-term investment strategies with options for shorter-term trading.

Rebecca Hartnett is an investment advisor with Kestra Advisory, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with Kestra Advisory since 2016 and has additional experience with Kestra Investment Services, LLC dating back to 2012. Outside of her advisory role, she serves as team lead to the investment operations department at Brotman Financial Group, where she prepares materials for client meetings and maintains client investment accounts. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including plan sponsors. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions, managing approximately $79.8 billion in assets.

Jackson Klingenberg is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and two years of industry experience. His work history includes multiple roles at Janney Montgomery Scott and prior positions at Liberty University, Coppermine Pantherplex, Piney Branch Golf Club, and Manchester Valley High School. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable and municipal clients, offering brokerage services, financial planning, consulting, and advisory programs.

Eric Borsoni is a financial advisor with Schwab Wealth Advisory and holds Series 65 and Series 66 credentials. He has 23 years of industry experience and has previously worked at Morgan Stanley, Ameriprise Financial Services, New York Life, and Nuveen Securities. Outside of financial advising, he serves on the advisory board of Harlem Lacrosse of Baltimore, is a board member of the Maryland Lacrosse League, and works as an assistant varsity lacrosse coach for Howard County Public Schools. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice primarily through the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. Its advice is based on Schwab’s asset allocation models and research tools, with final investment decisions made by clients.

Kevin Belshaw is a Certified Financial Planner® with 12 years of industry experience. He has been with United Planners Financial Services of America since 2019 and also serves as president of TriBel Consulting Firm, LLC, a consulting business unrelated to investment services. Additionally, he has experience as an insurance agent specializing in non-variable insurance and has held roles at MassMutual and the Maritime Institute of Technology and Graduate Studies. United Planners Financial Services of America serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform utilizing multiple custodians and third-party money managers.

Aeric Alexander is a financial advisor with Equity Services, Inc., holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at National Life Group, InvestorPlace LLC, and T. Rowe Price. Alexander is also involved in insurance-related activities, assisting teachers with their benefits and working as an insurance agent. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with multiple advisory platforms and frequently uses third-party asset managers and model portfolios.

James Carroll Jr. is a financial advisor with PNC Wealth Management in Westminster, MD, holding a Series 66 designation and nine years of industry experience. He has previously worked at Merrill and Bank of America, N.A. Carroll joined PNC Investments LLC in 2024. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only, employee pilot that uses algorithm-driven risk assessments to manage portfolios with mutual funds and ETFs.

Jeffrey Berman is a CFP® and PFS™ with 27 years of experience in the financial services industry. He has been with Equity Services, Inc. for 22 years and is also a partner and tax practice leader at the accounting firm Kahn Berman Soloman Taibel & Mogol Pa, where he has worked since 1987. Outside of financial advising, he is involved in producing animated films through a partnership in Mulligan Man, LLC. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with options for shorter-term trading, utilizing multiple advisory platforms and third-party asset managers.

Curtis Ilgenfritz is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and two years of industry experience. He is also involved with Ilgenfritz Financial Group, where he provides insurance sales and client service advisory. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base that includes individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolio solutions, discretionary asset management, financial planning, and plan services, supported by an internal Investment Consulting Group and various licensing programs.

Mark Medairy Jr. is a financial advisor with Eagle Strategies (NY Life) based in Timonium, MD, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has worked with NYLife Securities and New York Life Insurance since 1983 and has been involved with Camden Planning Group, LLC since 2009. Medairy also serves as a board member on the Archdiocese of Baltimore’s Lay Personnel Retirement Board and Investment Committee. Eagle Strategies provides financial planning, investment management, and retirement-plan advisory services to individual and institutional clients through a large network of affiliated advisers. The firm offers various program types and emphasizes aligning recommendations with client goals and plan sponsor criteria, managing most regulatory assets on a non-discretionary basis.

Hannah Rouse is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and eight years of industry experience. Her career includes roles at T. Rowe Price, Morgan Stanley, Fis, and Cambridge Associates. Outside of her advisory work, she volunteers as a game helper, running the scoreboard for high school sports at Susquehannock High School. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory program combining goals-based financial planning, retirement income projections, and discretionary investment management primarily using proprietary mutual funds and ETFs. The service targets individual investors and households with substantial investable assets, employing model allocations and tax-aware strategies delivered through an online planning platform and telephone access to advisors.

Kara Shaffer is a CFP® professional with 14 years of industry experience. She is currently with Empower Advisory Group and Empower Financial Services, Inc., having previously worked at Personal Capital Advisors Corporation, Lincoln Financial Advisors, and Heritage Financial Consultants. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions tailored to long-term portfolio returns and client savings rates.

Andrew Harrell is a CFP® professional with seven years of industry experience, currently serving as an advisor at Kestra Advisory. He has worked at Kestra since 2019 and has prior experience with Kestra Investment Services and Coastal Carolina University. Harrell is a member of the FPA of Maryland Board of Directors, where he participates in initiatives supporting the development of future industry professionals. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, and investment management, supporting large institutional clients and utilizing multiple management platforms and third-party solutions.

Joseph Mills is a CFP® professional with three years of industry experience, currently serving as an advisor at Kestra Advisory. His prior experience includes working with BFG Financial Advisors and earlier roles in education at Towson University and Wallkill Valley Regional High School. Mills also holds responsibilities supporting investment operations within Kestra’s affiliated entities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base that includes plan sponsors, institutional investors, and individuals. The firm offers comprehensive services such as fiduciary consulting, plan design, and advisor-managed accounts, and manages approximately $79.8 billion in assets with a focus on large institutional clients.

Frank Lucia Jr. is a financial advisor with Equity Services, Inc. in Timonium, MD, holding Series 63 and 66 licenses and bringing 31 years of industry experience. He has been associated with National Life Group and Equity Services, Inc. since 2007. Additionally, he serves as an insurance agent with Worthington Financial Partners. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms and frequently utilizes third-party asset managers, combining long-term strategies with options for specialized trading.

Michael Yanchoris is a ChFC® credentialed financial advisor with 38 years of industry experience. He has been with Primerica Advisors and Guardian Life Insurance Co of America since 2011. Yanchoris is also involved in insurance activities outside of Guardian Life. Primerica Advisors operates as part of Park Avenue Securities LLC, serving a broad retail client base with both brokerage and advisory services, offering proprietary advisory programs and a variety of investment options through an integrated operating model.

Patricia Almony is a financial advisor with Equity Services, Inc. and Worthington Financial Partners, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. She has prior experience with SunTrust Advisory Services and SunTrust Investment Services. Outside of advisory work, she is involved in crafting and scrapbooking and serves as a brand partner for a skincare, vitamins, and weight loss company. Equity Services, Inc., operating as ESI Financial Advisors, provides financial planning, consulting, and asset management to a broad range of clients, including individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms that combine long-term strategies with options for shorter-term trading and specialized instruments.

Joel Albert is a financial advisor with Eagle Strategies (NY Life) based in Timonium, MD. He holds Series 63 and Series 66 licenses and has 14 years of industry experience. Prior to his current role, he was involved with Happy Paws Inc. for eight years. Eagle Strategies serves a diverse client base including individual investors, institutional clients, and plan sponsors. The firm offers financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors, focusing primarily on non-discretionary asset management and tailored solutions aligned with client objectives.

Patrick Gilligan is a financial advisor at Janney Montgomery Scott with two years of industry experience. He holds the Series 66 designation and has worked at multiple firms including Maryland Capital Management and Janney Montgomery Scott. Outside of finance, he has held roles at organizations such as Echo Effect and the University of Maryland. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, and advisory programs.

Olivia Mc Dermott is a financial advisor with Truist Advisory Services, holding a Series 66 designation and two years of industry experience. Prior to her current role, she worked in education with Baltimore County Public Schools and held various positions at the University of Maryland and McDonogh Summer Programs. Truist Advisory Services offers investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary and non-discretionary management strategies, utilizing third-party platforms and AI-enabled research tools to support investment decisions and manager selection.