Brad Long is a CFP® with 24 years of experience, currently serving as a financial advisor at Raymond James Financial since 2009. He has a background in insurance and tax preparation, working as an independent insurance sales agent and self-employed tax preparer alongside his advisory role. Long is also president of Long Financial Services, a support company for financial advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm focuses primarily on non-discretionary financial planning and investment consulting, utilizing asset allocation analysis, firm research, and a wide affiliate network to support tailored client solutions.

Michael Viscardi Jr. is a CFP® and ChFC® with 27 years of experience in the financial industry. He is currently with LPL Financial and has also worked at M&T Securities, Inc. and M&T Bank since 1998. Outside of his advisory role, he serves as a USA Hockey certified ice hockey referee for youth games in Maryland. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options and access to various model portfolios and research.

Mark Murphy is a CFP® professional with 27 years of industry experience, currently serving at Wells Fargo Advisors Financial Network LLC since 2009. He holds a 20% ownership interest in Private Wealth Partners, LLC, an investment-related business based in Annapolis, MD. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu covering various financial needs and integrates advisory services with other financial product offerings and referral channels.

Robert Johnson is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the CFP® and CFA® designations and previously worked at Blackrock Investments, LLC for 12 years. Outside of his advisory work, he serves as Treasurer for his homeowners association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. Schwab offers a combination of non-discretionary advisory relationships alongside access to affiliated discretionary separately managed accounts, supported by an integrated operational structure and a broad range of investment and custody services.

Debra Dillon is a Series 66 licensed financial advisor with Wells Fargo Advisors in Annapolis, MD, where she has worked since 2013. She has eight years of industry experience. Outside of her advisory role, she co-owns a rental property with her spouse. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with various financial products and referral channels.

Matthew Sobocinski is a CFP® professional at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network since 2009. In addition to his advisory role, Sobocinski is a 20% owner of Private Wealth Partners LLC, a financial practice based in Annapolis, MD, and serves as a co-trustee for a Finet 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services to clients meeting a net-worth threshold, utilizing Wells Fargo research and tools to develop tailored recommendations.

Jesse Boyd Jr. is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1993 and at Bank of America since 2009. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s broader corporate platform, offering access to a wide range of investment products and services.

Spyros Ritsinias is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to generate non-discretionary recommendation reports. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Chad Houser is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2014. Outside of his advisory role, Houser is an employee of Valet Living, a construction and engineering company, and owns rental property in Annapolis, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Warren Brockett is a Series 66-licensed financial advisor with 21 years of industry experience, currently working with Cambridge Investment Research Advisors since 2024. He previously worked at MML Investors Services and MassMutual from 2018 to 2024, and AXA Advisors LLC from 2013 to 2018. He serves as a board member for both BWMC Next Generation Board and WoodSwise. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of portfolio management strategies and platform options.

Christopher Dillon Sr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Cetera since 2013 and has worked with affiliated firms since 2002. In addition to his advisory role, he owns and manages a tax and accounting business, Christopher Dillon CPA, which he has operated since 1994. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party strategies, managing over $256 billion in assets across more than 10,000 advisors.

Christine Mantich is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 credentials and 20 years of industry experience. Her prior roles include positions at Merrill, Raymond James & Associates, Premier Planning Group, and Cetera Advisor Networks. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options including insurance-related products and bank deposit sweep programs.

Joseph Raskauskas is a financial advisor at Edelman Financial Engines with 13 years of industry experience. He holds a Series 65 designation and has worked at several firms, including Personal Capital Advisors and GWFS Equities, Inc. He joined Edelman Financial Engines in 2025. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and serves a large participant base through both advisor-led and online platforms.

Kristin Dubinski is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 32 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Dubinski serves on the Board of Directors and acts as Treasurer for the Naval Academy Women's Golf Association in Annapolis, MD. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a range of advisory, brokerage, and insurance solutions typical of large institutional firms.

John Sigler is a financial advisor with Morgan Stanley in Annapolis, MD, holding a Series 63 designation and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as president of St. John Vianney Catholic Church, where he is involved in budgeting and capital improvement planning. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning using firm-approved tools and serves clients through tailored financial strategies and planning services.

Patrick Herbert is a financial advisor with Edward Jones in Pasadena, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at the Kevin Gordon Agency of State Farm and held various roles in the restaurant industry. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the country.

Caitlin Johnston is a Series 66-credentialed financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2012, working out of Annapolis, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Kyle Spilman is a financial advisor at Wells Fargo Clearing with a Series 66 designation and experience beginning in 2022. Prior to his advisory roles, he worked at CVS Pharmacy and Mosquito Squad. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Nicolas Pasta is a financial advisor with LPL Financial in Annapolis, MD. He holds the Series 66 designation and has one year of industry experience, beginning his career while transitioning from academic studies at the University of Maryland and St. Mary's. He is currently associated with Trident Wealth and LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and technology-driven strategies.

Cheryl Freeman is a financial advisor at Merrill with 24 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services. Freeman has been with Merrill since 2019 and concurrently associated with Bank of America, N.A. since 2022. Merrill provides managed account services to Bank of America fiduciary clients through the 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. The firm integrates investment management with broader Bank of America services, including lending and custody.