John Layug is a financial advisor with Osaic Advisory Services, LLC, holding the CFP® designation and Series 65 and 63 licenses. He has 32 years of industry experience, including 13 years at Lincoln Financial Advisors prior to joining Osaic in 2025. In addition to his advisory role, he is the owner and agent of Maller Wealth Advisors, where he offers various insurance products. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and government entities. The firm provides a broad range of services including investment management, financial planning, retirement plan consulting, and third-party manager oversight, utilizing multiple program models and a combination of proprietary and third-party platforms.

Kobe Bolanos is a CFP® professional with four years of industry experience, currently with Kestra Advisory. He has worked at Kestra Advisory and affiliated firms since 2021 and has prior experience at Armstrong Flooring, Under Armour, Stevenson University, Kohl’s, and Ruby Tuesday. Outside of advisory duties, he holds roles involving investment operations and registered representative activities at Kestra-related entities. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan design, and advisor-managed accounts. The firm serves large institutional investors and utilizes multiple management platforms and third-party solutions within a supervisory framework.

Ronald Fisher Jr. is a financial advisor at Private Advisor Group, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Private Advisor Group since 2012 and LPL Financial since 2011. He also operates Fisher Financial Services, which has been active since 1990, providing financial planning, portfolio management, and educational seminars. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model using a variety of investment strategies and technology platforms, often implementing advice through third-party managers and managed account programs.

Joseph Conroy is a financial advisor at Private Advisor Group, LLC with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Synergy Financial Group, LPL Financial, and Ameriprise. Outside of advising, he is the author of the book *Decades & Decisions*. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model, utilizing technology platforms and a range of investment strategies while often implementing advice through third-party managers and turnkey asset management platforms.

Daniel Verbic is a financial advisor at Janney Montgomery Scott with 33 years of industry experience. He holds Series 65 and Series 63 credentials. Prior to joining Janney in 2026, he spent 20 years at Stifel. Janney Montgomery Scott LLC is a large 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 plan sponsors, and municipal clients—offering brokerage, financial planning, consulting, and various advisory programs.

Nicholas Hood is a financial advisor with Equity Services, Inc. holding a Series 66 designation and 11 years of industry experience. Prior to joining Equity Services, he held roles at National Life Group, Cambridge Investment Research Advisors, and MassMutual, among others. Outside of finance, he owns and operates Nick Hood Photography and has been involved with Towson University’s Stephens Hall Theatre for nearly two decades. Equity Services, Inc., doing business as ESI Financial Advisors, provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, combining long-term investment strategies with options for shorter-term trading and specialized instruments, and operates both as a broker-dealer and an SEC-registered investment adviser.

Dimitrios Prassos is a financial advisor with Equity Services, Inc. (ESI Financial Advisors) in Timonium, MD, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with Equity Services, Inc. and Worthington Financial Partners since 2013. Outside of advising, he has experience as a part-time accountant and consultant for startup businesses and is a writer and author of books and articles. Equity Services, Inc. provides financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm offers multiple advisory platforms, often using third-party asset managers and model portfolios, with a mix of long-term strategies and options for shorter-term trading.

Michael Dipaula is a financial advisor at AE Wealth Management, LLC with 13 years of industry experience. He holds a Series 65 designation and has worked at AE Wealth Management since 2017, following prior roles at Everest Investment Advisors and Everest Wealth Management. In addition to his advisory work, he is involved in insurance sales through Flora & Dipaula Wealth Partners. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm employs a platform-centered investment approach combining model portfolios managed by AEWM, third-party strategists, and advisor-managed models to provide tailored advisory solutions.

Scott Levin is a CFP® professional with over 31 years of experience in the financial industry. He has been with Equity Services, Inc. and National Life of Vermont since 1994. Outside of his advisory work, Mr. Levin provides college planning seminars and assists parents with preparing for college expenses. Equity Services, Inc., dba ESI Financial Advisors, offers financial planning, consulting, and asset management services to individuals, corporations, trusts, estates, charitable organizations, and employer retirement plans. The firm combines long-term investment strategies with options for shorter-term trading and utilizes multiple advisory platforms, including third-party asset managers and model portfolios.

Paul Ullmann is a Series 66-licensed financial advisor at Truist Advisory Services with 25 years of industry experience. He has worked at Truist Advisory Services since 2016 and at Truist Investment Services since 2015. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, offering solutions such as asset allocation, fiduciary support, and manager selection through its AMC Advantage program. The firm combines discretionary and non-discretionary approaches, leveraging third-party platforms and AI-enabled research tools for manager oversight.

Jordan Perry is a financial advisor with Truist Advisory Services in Hunt Valley, MD, holding Series 65 and Series 63 licenses and six years of industry experience. His work history includes roles at Truist Investment Services, BB&T Securities, T. Rowe Price, and Cowan Systems. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by advanced research tools and inter-affiliate integration.

Jordan Higgins is a financial advisor at Janney Montgomery Scott with 12 years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Janney in 2024, Higgins worked at Fidelity Personal and Workplace Advisors and Fidelity from 2014 to 2024. He serves as a notary public and is a board member of the Erin Levitas Foundation in Baltimore. 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 individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

Danielle Schwandtner is a financial advisor at Benjamin F. Edwards & Company, Inc. with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Merrill Lynch and Wells Fargo Clearing. Benjamin F. Edwards & Company serves a diverse client base including individuals, pension plans, charitable organizations, and corporations, offering a wide range of investment management and financial planning services through fee-based wrap programs. The firm utilizes both strategic multi-year allocations and tactical adjustments across a variety of portfolios and models, supported by an internal trading desk and an Investment Strategy Committee.

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.

Michael Englehart is a CFP®-certified financial advisor with 39 years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and has held prior roles at Raymond James Financial Services and Wells Fargo Advisors. Englehart serves on the finance committee of Sovereign Grace Church and is a committee member for Children of Zion, an orphanage supported by Mt. Zion Church in Namibia. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, providing a range of advisory, financial planning, and portfolio management solutions through both proprietary and third-party offerings.

Sharon Mason is a financial advisor with Truist Advisory Services in Hunt Valley, MD, holding a Series 66 designation and seven years of industry experience. Her previous roles include positions at Truist Investment Services, Truist Bank, and PNC Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and uses third-party platforms and manager arrangements, supported by AI-enabled research tools and a dedicated Investment Advisory Group.

Ellie Bockstie is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. She previously worked at T. Rowe Price and Bankers Life and Casualty. Outside of her advisory role, she coaches girls’ lacrosse teams in the Baltimore area and participates in a local professional women's networking group. Janney Montgomery Scott is a large enterprise firm managing approximately $110 billion in client assets, serving individuals, families, trusts, corporate clients, and municipal entities with a range of brokerage, financial planning, and advisory services.

James Winner is a CFP® with 39 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2015. He is based in Bel Air, MD, and holds Series 63 and Series 65 licenses. 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 provides services to a diverse clientele, including individuals, families, trusts, estates, corporate and retirement plan sponsors, and charitable and municipal organizations, offering financial planning, brokerage, and advisory programs.

Sherry Kimball is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. She has been with Janney Montgomery Scott since 2015 and holds Series 63 and Series 65 licenses. 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 municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Beth Nori is a CFP® professional with nine years of experience in financial advisory services. She currently works at Kestra Advisory Services, LLC and Kestra Investment Services, LLC, having previously held roles at Red Oak Financial Group, LPL Financial LLC, and Brotman Financial. Her experience includes assisting lead advisors with client financial planning. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients that include large institutional investors and sovereign wealth funds.