Stephen Perreault is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Independent Financial Group, LLC since 2014. Prior to that, he worked at Edward Jones for five years. Outside of his advisory role, he is a part-owner of a rental property in Baltimore, MD. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base that includes individuals, high-net-worth clients, trusts, and institutional plans. The firm employs strategic asset allocation and a mix of passive and active managers across various risk profiles to develop tailored client investment strategies.

Bridget Shanley is a financial advisor at Private Advisor Group, LLC with one year of industry experience. She holds the Series 66 designation and has previously worked at LPL Financial and FinanceForward, LLC. Prior to her advisory roles, she was employed at Loyola University Maryland in recreation and wellness. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by providing portfolio management, financial planning, and retirement plan consulting. The firm offers managed account solutions through proprietary and third-party platforms and employs a fiduciary-based advisory model utilizing various investment strategies.

Kyle German is a financial advisor with Eagle Strategies (New York Life) in Annapolis, MD, holding a Series 66 designation and 26 years of industry experience. He has been associated with New York Life Insurance Company since 2002 and has operated Neely German Financial Services, LLC since 2016. Outside of his advisory work, he serves as an officer and treasurer on the Board of Trustees for the Hammond-Harwood House and is an officer and treasurer for the Coastal Conservation Association Maryland. Eagle Strategies serves a diverse client base, including individual investors, defined contribution and benefit plans, and charitable and corporate clients. The firm provides a range of advisory services such as financial planning, retirement plan consulting, and investment management, primarily on a non-discretionary basis, with a focus on tailored recommendations aligned with client and plan sponsor objectives.

Richard Osman is a CFP® and ChFC® with 34 years of industry experience. He has been with Integrated Wealth Concepts LLC and LPL Financial since 2016. Outside of his advisory work, he is involved in authoring through a business entity established for that purpose. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, and consulting services, using customized portfolios that primarily include mutual funds, ETFs, individual equities, and fixed income, and employs both long-term and shorter-term trading strategies.

Charles Derrick is a financial advisor at Guardian Life with the designations ChFC® and Series 66, and has 22 years of industry experience. He has been with Guardian Life since 2006 and also has affiliations with First Financial Group dating back to 2003. Outside of his advisory role, he serves as treasurer for a local high school support club and chairs a Rotary grants committee in his community. Guardian Life, through its subsidiary Park Avenue Wealth Management, offers brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides a range of financial planning and consulting solutions, combining advisor-led discretionary management with model-based strategies, and offers access to insurance products and alternative investments.

Dominic Soto is a financial advisor at Valic Financial Advisors with two years of industry experience. He holds Series 65 and Series 63 licenses. Outside of financial advising, Dominic works as a bartender at TAKODA Beer Garden & Rooftop Bar and serves as an agent for non-securities insurance products with Agia. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging centralized technology and model solutions.

Michael Becker is a financial advisor with First Command Advisory Services in Annapolis, MD, holding Series 63 and Series 65 credentials and over 12 years of industry experience. He has been with First Command Advisory Services since 2015 and also has roles at affiliated First Command entities dating back to 2014. Outside of finance, Becker is involved in aviation education as an owner and flight instructor with 4D Aerosports Inc. and also owns the 4D Aero Foundation, a nonprofit focused on education and fundraising. First Command Advisory Services is an SEC-registered firm serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, delivering investment management through a centralized team that selects and monitors model portfolios and third-party managers.

Daniel Darling is a financial advisor with TD Private Client Wealth LLC in Annapolis, MD. He holds Series 65 and Series 63 licenses and has one year of industry experience. His prior work includes roles at NYLIFE Securities LLC, New York Insurance Company, and TD Bank N.A., as well as self-employment and a position with the YMCA of Frederick. TD Private Client Wealth LLC provides discretionary wrap-fee managed account programs and brokerage services to institutional, high-net-worth, and retail clients. The firm employs a combination of strategic and tactical asset allocation through TD Managed Portfolios and related offerings, utilizing both affiliated and third-party sub-managers.

Kathy Morris is a financial advisor at Empower Advisory Group with 18 years of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Empower Financial Services in 2025, she worked at MissionSquare Retirement (formerly ICMA Retirement Corporation) from 2007 to 2025. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage clients. The firm’s approach emphasizes long-term portfolio returns and integrates closely with Empower’s recordkeeping and administrative platforms.

Paul Newton is a financial advisor with Centaurus Financial, Inc. in Bowie, MD, holding a Series 63 designation and 33 years of industry experience. He has worked at Centaurus Financial since 2010, with prior experience at Securities America Advisors and Securities America, Inc. Newton is also the owner of PLN & Associates, Inc., where he provides tax advice to clients and oversees tax preparation services. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm offers a range of financial planning and portfolio management services, employing both discretionary and non-discretionary arrangements with a mix of analytical approaches and specialized advisory options.

Michael Mc Guire is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 66 licenses and four years of industry experience. His prior roles include positions at Securities America, Inc., Crump Life Insurance Services, and Bankers Life. Outside of his advisory work, he is involved in selling sports cards on eBay and delivers food through DoorDash. Osaic Advisory Services, LLC is an SEC-registered enterprise firm serving a diverse client base, including high-net-worth individuals, pension plans, corporations, charities, and sovereign wealth funds. The firm offers a variety of investment programs and consulting services, combining fundamental and technical analysis with platform relationships and third-party manager collaborations.

David Kasten is a Certified Financial Planner® with 21 years of industry experience, currently serving at MAI Capital Management, LLC. He previously worked for Lowe Wealth Advisors, LLC for 14 years and Lowe FS for 6 years. MAI Capital Management provides investment management, wealth management, retirement plan consulting, and family-office services to individuals, families, sports professionals, trusts, and institutional clients. The firm manages $72.3 billion in assets and offers customized portfolio management across various strategies, integrating financial planning and other services.

Walter Worley IV is a CFP® professional with 11 years of experience in the financial services industry. He is currently affiliated with United Planners' Financial Services of America as a limited partner and also serves as president of W1 Wealth LLC. His prior work includes positions at Chesapeake Capital Associates, LLC and Fi360. United Planners Financial Services is a national wealth-management enterprise serving a wide range of clients, including individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent representatives and employs a variety of custodians and third-party managers, with a significant portion of assets managed on a non-discretionary basis.

Damon Ridley is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes roles at LPL Financial and the Householder Group Estate & Retirement Specialists. He has been involved in realty since 2007 alongside his advisory career. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach that combines passive and active management, quantitative, momentum, and fundamental analysis overseen by an internal Investment Committee.

Jason Labarge is a financial advisor with AE Wealth Management, LLC and holds Series 65 and Series 63 licenses. He has 13 years of industry experience and has worked with firms including Madison Avenue Securities, Cetera, and Summit Financial Group. Outside of his advisory role, Labarge serves as treasurer for the Annapolis and Anne Arundel County Coalition to End Homelessness and is an author of a recently published book. AE Wealth Management provides fee-based portfolio management, financial planning, and retirement-plan consulting to a diverse client base including individuals, corporations, trusts, and ERISA plan sponsors. The firm emphasizes model portfolio management and supports third-party RIAs through sub-advisory and model-licensing arrangements.

Sarah Hunt is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 13 years of industry experience. She previously worked at Independent Financial Group and Plotkin Financial Advisors. Hunt has also served as a consultant for Plotkin Financial Advisors. Commonwealth Financial Network is a national registered investment adviser supporting approximately 2,950 advisors and their clients with a range of advisory programs, including discretionary model portfolios and customized solutions. The firm provides operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Gregory Lowe is a CFP® credentialed financial advisor with 23 years of industry experience. He has worked at MAI Capital Management, LLC since 2025 and previously led Lowe Wealth Advisors, LLC for 14 years. MAI Capital Management, LLC provides investment management, wealth management, retirement plan consulting, and family-office services to a diverse client base including high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages a wide range of strategies and integrates financial planning, tax, and administrative services, with $72.3 billion in assets under management as of May 2026.

Mandie Peters is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and 20 years of industry experience. She has worked at several firms, including Capital Analysts, Lincoln Investment, Questar Capital Corporation, and Ameriprise. In addition to her advisory role, she is also involved as an insurance agent with American Senior Benefits and serves as a notary. Integrity Alliance is a large advisory network with over 300 independent investment adviser representatives managing approximately $5.4 billion in client assets. The firm serves a diverse client base, offering portfolio management, financial planning, and a range of programs through various platforms, supporting strategies that include discretionary accounts, model portfolios, and third-party sub-advisers.

Emelia Sarbeng is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and is an author of works titled *Resilience in the Fire* and *The Poverty Vaccine*. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and charitable organizations. The firm offers advisory and broker-dealer services through proprietary and third-party investment models, providing both discretionary and non-discretionary program options.

Shantel Floyd is a financial advisor with Valic Financial Advisors, Inc. She holds Series 63 and Series 66 licenses and has 21 years of industry experience. Prior to her current role, she worked at ICMA Retirement Corporation and T. Rowe Price Advisory Services, Inc. In addition to her advisory work, she is involved in real estate investing, owning and operating Affordable Luxury Realty LLC and Affordable Luxury Corp. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors and implements model-based investment strategies using Envestnet’s platform.