Nicholas Cascarino is a financial advisor at Edward Jones with seven years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Edward Jones in 2019, he worked in various roles including at Longhorn Steakhouse and Candoris, and had teaching engagements at Shippensburg University. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

James Adair III is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 24 years of industry experience. He previously worked at Northwestern Mutual in various roles from 2002 to 2019 before joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, utilizing both model portfolios and customized strategies.

David Goldberg is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Cambridge-related firms since 2021. Outside of his advisory role, he serves as interim CEO and board member at Individualized Medicine, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

Carl Vail III is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2009. Vail also has involvement with investment-related 529 plans in Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.

Andrew Pantoja is a financial advisor at Morgan Stanley in Frederick, MD, holding a Series 66 designation with four years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Bank of America and Merrill from 2021 to 2024. His background also includes roles outside finance, such as working at Jinya Ramen Bar and IPIC Theaters LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and various investment strategies.

Nathan Harris is a Series 66-licensed financial advisor with Raymond James Financial, based in Frederick, MD, and has 18 years of industry experience. He previously worked at Bank of America and Merrill before joining Raymond James in 2021. Outside of his advisory role, he serves as CEO of Covenant Capital LLC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored non-discretionary planning and consulting services, utilizing risk profiling and modeling tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.

David Hedrick is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His work history includes roles at PFS Investments Inc. since 2017 and prior experience at Smith Bus Service. Outside of advising, he is involved in the sale of non-investment related products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven strategies developed by unaffiliated asset managers and supports accounts with BNY Mellon Advisors and Pershing, focusing on advisory services delivered at scale through its network of financial advisors.

David Morders is a financial advisor with LPL Financial, holding a Series 66 credential and 26 years of industry experience. He has been with LPL Financial since 2009 and previously worked at Merrill for nine years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio programs through a large network of investment adviser representatives.

Sean Murphy is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009, previously spending seven years at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management and financial planning, utilizing both in-house and third-party investment managers.

Gabriella Damiano is a CFP®-certified financial advisor with Edward Jones in Frederick, MD, with 10 years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Randolf Scritchfield is a CFP® professional with 42 years of industry experience, currently serving at OSAIC since 2024. He previously worked at Securities America Advisors and Securities America Inc from 2015 to 2024 and has been involved with Montgomery Financial Group since 1990, where he also holds the position of president. Outside of his advisory role, he serves as chair emeritus and board member of the Gaithersburg-Germantown Chamber of Commerce and sits on the board of the Mid Atlantic Federal Credit Union. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple third-party solutions to construct customized portfolios across various asset classes.

Benjamin Matthews is a financial advisor with Primerica Advisors in Frederick, MD. He holds Series 63 and Series 65 licenses and has been working in financial services since 2020, with prior experience at AECOM and CSX Transportation. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-driven investment strategies supported by third-party asset managers and custodians.

Hunter Romanoff is a CFP® and holds a Series 66 designation with six years of industry experience. He has been with Edward Jones since 2019, following prior roles at Kenneally & Company and Towson University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a wide range of investment strategies and advisory programs, operating under a fiduciary standard.

James Arey III is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2005 and concurrently with Northrop Grumman Corporation since 2004. Outside of his advisory role, he is the owner of Game On, Inc. and serves as a field manager for the Kickball League of Baltimore. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-based strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers, using BNY Mellon Advisors for model implementation and Pershing and Primerica Brokerage Services for custody and trade execution.

Alexander Israel is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals and families to develop personalized financial strategies aimed at building, preserving, and transferring wealth. His approach emphasizes simplifying complex financial decisions and focusing clients on their primary goals. He has experience in both the insurance and wealth management industries, offering a perspective that balances growth opportunities with protection and planning. Alexander works closely with clients on areas including retirement planning, saving for education, managing major life transitions, and overall financial guidance. His expertise encompasses college education planning, corporate benefits, divorce transition planning, family wealth management, philanthropic planning, and portfolio management services. Alexander holds a Bachelor's Degree from Towson University and holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Outside of his professional commitments, he engages in activities such as adventure sports, basketball, bowling, fishing, gardening, and skiing.

Christin Shifflett is a financial advisor at LPL Financial with six years of industry experience. She holds a Series 66 designation and has held previous roles at Lord Abbett Distribution and 24 Hour Fitness. Outside of her advisory practice, she owns and operates several children’s fitness centers in Maryland. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Nicole Treiber is a financial advisor at OSAIC with nine years of industry experience. She holds the Series 66 designation and has worked previously at XML Financial, LLC and XML Securities, LLC (formerly Lara, May & Associates, LLC). OSAIC serves a diverse range of retail and institutional clients, offering brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs various asset allocation and risk management tools, supporting both discretionary and non-discretionary account management.

Jason Topper is a financial advisor at Raymond James Financial Services Advisors, Inc. with 14 years of industry experience. He has previously worked at Turning Point Financial, Turning Point Benefit Group, Purshe Kaplan Sterling Investments, and Cambridge Investment Research Advisors. He operates his personal LLC, JTWM, LLC, as an independent contractor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad advisor network with specialized services such as municipal advisory and SIMPLE IRA Employer Advisory & Consulting Services.

Daniel Miller is a financial advisor at LPL Enterprise with 15 years of industry experience. He holds the Series 63 and Series 65 designations and previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a broad client base including individual and high-net-worth investors, employer-sponsored retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Lee Kramer is a CFP® with 40 years of industry experience, currently affiliated with OSAIC since 2023. He previously worked at FSC Securities Corporation for 18 years and has been managing Kramer Financial, LLC dba Kramer Wealth Managers since 1985. Kramer serves as a council member for the Capital Group Able Advisory Committee, providing input on ABLE America products. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and risk-tolerance questionnaires to construct diversified portfolios across multiple asset classes.