Michael King is a CFA® charterholder with five years of industry experience. He has worked at HB Wealth Management since 2025 and previously at Asset Strategy Consultants, LLC, and Belay Group, LLC. King is a co-founder and board member of the Josie King Foundation, a nonprofit organization, and serves on the board of directors of Smart Patients, a for-profit company. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm offers discretionary portfolio management aligned with client objectives and employs a combination of quantitative and qualitative due diligence across various public and private investment strategies.

Justin Myers is a CFP® with nine years of experience in financial advising. He is currently with Janney Montgomery Scott, where he has worked since 2018. Prior to that, he was with AXA Advisors for one year. 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 wide range of clients, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Kai Kressman is a financial advisor with HB Wealth, holding a Series 65 designation and three years of industry experience. Prior to joining HB Wealth in 2026, he worked at Verdence Capital Advisors and Morgan Stanley. Outside of his advisory role, he works as a server and bartender at 7 West Bistro & Grille in Towson, Maryland. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm combines quantitative and qualitative due diligence across a range of public and private investment strategies and offers outsourced chief investment officer and institutional advisory services.

Bryan Tiger is a financial advisor at PNC Wealth Management with 14 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2024. He holds the Series 66 designation. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online Portfolio Solutions Strategist Digital Offering available as an invitation-only pilot for employees. The program uses algorithmic risk assessment and approved model strategies managed by PNC or third-party strategists, primarily investing in mutual funds and ETFs with annual rebalancing.

Tyler Fanyo Tabak is a financial advisor at Cerity Partners LLC with a Series 65 credential and less than one year of industry experience. His prior background includes various roles outside finance, such as full-time education and work at Circle K. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other investors. The firm offers a wide range of services, including discretionary and non-discretionary investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified portfolios.

Rebecca Streamo is a financial advisor at HB Wealth with seven years of industry experience. She holds the Series 65 designation and has previously worked at TrustCounsel and WMS Partners, LLC. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers wealth management, investment management, financial planning, and outsourced chief investment officer (OCIO) services, employing a combination of quantitative and qualitative due diligence across a variety of public and private investment strategies.

Eric Miller is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Janney Montgomery Scott since 2006. 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 diverse client base including individuals, families, trusts, corporate and retirement plans, and offers a range of brokerage, financial planning, and advisory services.

William Peck is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He worked at Brown Advisory Securities, LLC for 13 years before joining Janney Montgomery Scott in 2018. Peck serves as a board member and treasurer of the Kernan Hospital Endowment and is an investment committee member for the University of Maryland Medical System. 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 wide range of clients through brokerage services, financial planning, and advisory programs, using both in-house portfolio management and third-party managers.

Lesa Crosser is a financial advisor at HB Wealth with 19 years of industry experience. She holds a Series 66 designation and previously worked at Wms Partners LLC for 14 years before joining HB Wealth in 2025. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, and institutional clients. The firm offers wealth management, investment management, and financial planning, combining quantitative and qualitative due diligence across public and private investment strategies.

Lorraine Flowers is a CERTIFIED FINANCIAL PLANNER™ professional with 38 years of industry experience. She is an Investment Advisor Representative at Kestra Advisory Services, LLC, where she has worked since 2016. In addition to her advisory role, she owns The Flowers Financial Group, through which she acts as a life and health insurance agent. 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, employee education, and access to multiple management platforms, serving a range of clients from small plans to large institutional investors like sovereign wealth funds.

Kimberly Wright is a CFP® professional with 21 years of industry experience. She is currently with Janney Montgomery Scott, where she has worked since 2018, following a prior role at Morgan Stanley. Outside of her advisory work, she is a partner in MKW Properties, LLC, an entity involved in property management and related activities. 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 wide range of clients including individuals, families, trusts, estates, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs with both in-house and third-party portfolio management.

James Gauthier is a CFA® charterholder with 18 years of industry experience. He currently works at Cerity Partners LLC and was previously employed at Maryland Capital Management, LLC. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm uses tailored asset allocation, manager selection, and quantitative screening alongside third-party managers and individual securities to build client programs.

Ronald Fisher Jr. is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Private Advisor Group since 2012 and LPL Financial since 2011, and has operated Fisher Financial Services since 1990. In addition to advisory services, he is involved in the sale of non-variable insurance products and basic income tax preparation through his own business. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion for more than 135,000 clients, including individuals, trusts, estates, and corporate retirement plans. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing a variety of investment strategies and coordinating services through multiple custodians.

Joseph Conroy is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Synergy Financial Group, LLC and LPL Financial, LLC. He is also the author of the book *Decades & Decisions*. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs.

Kaitlin Zook is a CFP® professional with six years of industry experience. She is currently with HB Wealth Management, having joined the firm in 2025 after six years at WMS Partners, LLC. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management aligned with clients’ objectives and risk tolerance, utilizing a mix of public and private investment strategies and providing consolidated quarterly reporting.

Ryan Stellmann is a financial advisor at Janney Montgomery Scott with four years of industry experience. He holds a Series 66 designation and has worked at Janney since 2021. Prior to joining Janney, he held roles at SIA Solutions, Rockywold Deephaven Camps, Natural Concerns, the University of Maryland, and Boys' Latin School of Maryland. 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 diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipalities, offering a range of brokerage, financial planning, and advisory services.

Andrew Michaels is a financial advisor at HB Wealth with a Series 66 designation and three years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and WMS Partners, LLC. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm’s investment approach combines quantitative and qualitative due diligence across a range of public and private strategies and includes managing registered investment companies and affiliated private funds.

Michael Valencia is a financial advisor with J.W. Cole Advisors, Inc. in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at J.W. Cole Advisors since 2017 and previously spent four years with Cambridge Investment Research. Outside of his advisory role, Valencia is involved in real estate activities, including property leasing and managing a realty LLC. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm provides portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Carrie Jarmer is a financial advisor with Janney Montgomery Scott in Towson, MD, holding a Series 66 designation and with 19 years of industry experience. She has been with Janney Montgomery Scott since 2004. 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 diverse client base with brokerage, financial planning, consulting, and advisory programs, offering investment advice through a combination of in-house portfolio management and third-party managers.

Craig Maltese is a financial advisor with PNC Wealth Management, holding a Series 66 credential and 11 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and third-party portfolio management.