Patrick Carr is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver customized advice, primarily for clients with assets managed within Ameriprise.

Jamie Hoch is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, Jamie held roles at Bank of America and Ultrazone and has experience in real estate and retail industries. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors.

Karen Pomeroy Anderson is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2004, bringing over 20 years of experience in executive sales, marketing, and business development at a major consumer products company and an internet start-up. Karen specializes in working with busy corporate executives and business owners, focusing on comprehensive wealth management strategies that address executive compensation, family wealth management, retirement planning, philanthropic planning, and tax minimization. Karen holds a Bachelor's Degree from the University of Michigan and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is involved in professional organizations such as NextUp and the Procter & Gamble Alumni, and engages in community activities with The First Tee of Greater Charlotte, University of Michigan Alumni Association - Charlotte, and the Women's Impact Fund in Charlotte. Residing in Lake Norman with her husband and two daughters, Karen values fitness, health, golf, and community service. She helps clients create customized financial strategies designed around their goals and aspirations, emphasizing preparation for both opportunities and potential challenges throughout their financial lives.

John Dyer IV is a financial advisor with Fidelity, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. Before joining Fidelity, he worked at Capital Portfolio Management, Inc. from 2014 to 2021. He is currently based in Cockeysville, MD. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features including registration as a commodity pool operator and advisory roles to multiple registered investment companies.

Colby Buss is a CFP® and holds a Series 66 license with 13 years of industry experience. He has worked at UBS Financial Services since 2012. Outside of his advisory role, he serves as Treasurer on the board of the Municipal Art Society of Baltimore, where he is involved in managing approved artist grants. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining institutional trading capabilities with wealth management offerings and proprietary research to develop tailored investment strategies.

Jacob Fenlason is a CFP® professional with nine years of industry experience. He currently works at Osaic and previously spent nine years with Lincoln Financial Advisors. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services through a broad network of affiliated advisers. The firm employs asset-allocation tools and risk-tolerance analysis to construct portfolios that include a wide variety of investment products and supports multiple advisory platforms and third-party services.

Lawrence Wyss is a CFP® professional with 22 years of experience in financial services. He is currently with OSAIC and has prior experience at Lincoln Financial Advisors and M&T Securities. Outside of his advisory role, he serves as the Director of Financial Planning at Heritage Financial Consultants, where he leads research, plan development, and training for advisors. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment options and utilizes firm-provided tools to construct portfolios tailored to client risk profiles.

Robert Fry is a financial advisor at OSAIC with 25 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Lincoln Financial Advisors Corporation for 11 years. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using various asset-allocation tools and third-party solutions to manage portfolios across a range of investment types.

Samuel Jeppi is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. He has worked at Bank of America and Merrill since 2025. Prior to financial services, his background includes roles at AlphaSense Inc., and various positions connected to the University of Richmond and other organizations. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base, including individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader platform, allowing access to a wide range of products and services beyond traditional investment management.

William Hardisky is a financial advisor with LPL Enterprise, holding a ChFC® designation and Series 65 and Series 63 licenses. He has 10 years of industry experience and previously worked at Pruco Securities, LLC. Outside of finance, he is involved in coaching sports for the Baltimore Orioles, National Football League, and Loyola University Maryland Division I athletics. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products through its integrated advisory and brokerage platform.

Kristi Dargan is a financial advisor with RBC Capital Markets holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Deutsche Bank Securities Inc., DB USA Core Corporation, Raymond James & Associates, Inc., and RBC Capital Markets across multiple periods since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ Advisory Risk Profiles and utilizes a combination of in-house and third-party managers, providing various options including responsible investing and tax management.

Suzanne Yoder is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and the use of firm-approved planning tools, with a range of investment and financial services.

Mark Namvary is a financial advisor with UBS Financial Services in Forest Hill, MD, holding Series 63 and Series 65 registrations and with 30 years of industry experience. He has been with UBS since 2002. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment plans.

Robert Sitton Jr. is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having 45 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2017 and previously held roles at SunTrust Advisory Services and SunTrust Investment Services. Outside of his advisory work, he is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages trillions in client assets and provides services through Financial Advisors and specialized estate planning groups.

Kevin Widmayer is a financial advisor with Merrill based in Hunt Valley, MD, holding a Series 66 designation and eight years of industry experience. He has been with Bank of America, N.A. and Merrill since 2017. Outside of his advisory role, he has been involved with the University of Maryland Pediatric Associates since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Frank Dingle is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2018. Outside of his advisory work, he serves on the boards of the School of the Cathedral of Mary Our Queen and the Virginia Military Institute Investment Holdings LLC, and is a member of the Catholic Community Foundation of the Archdiocese of Baltimore’s investment committee. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations, offering a range of advisory programs and portfolio management solutions tailored to clients’ risk profiles.

Philip Lee is a CFP® professional with 28 years of experience in financial services, currently serving at Morgan Stanley in Hunt Valley, MD. He has been with Morgan Stanley Smith Barney since 2010 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, employing a structured planning process supported by firm-approved tools and modeling techniques.

Matthew Braerman is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise in 2025, he worked in the hospitality industry and held roles at Loyola University Maryland and Loyola Blakefield. Outside of his advisory role, he has experience working as a bartender at Lib's Grill. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model wealth portfolios and third-party asset management programs through both advisory and brokerage channels.

David Anderson is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. His prior roles include positions at Truist Advisory Services, Truist Investment Services, and BB&T Securities. He also operates an independent investment-related business, DANDERSON121449, LLC. 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, including retirement, education, risk, and wealth-transfer planning, using proprietary research and tools to develop tailored client recommendations.

Ibrahim Al Naber is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Waddell & Reed Inc. and managing his own business, Naber Interactive. He is involved in entrepreneurial activities through Modern Life Group, Inc., a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and services, including financial planning, retirement consulting, and brokerage, supported by research and model portfolios.