Stephanie Latta is a financial advisor with RBC Capital Markets in Annapolis, MD, holding Series 63, 65, and 66 licenses. She has 26 years of industry experience, including prior work at Morgan Stanley Smith Barney. RBC Wealth Management serves a wide range of clients, including individual investors and institutions, offering advisory and brokerage services with customizable portfolio management and financial planning solutions.

Garrett Foran is a financial advisor with Raymond James & Associates holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Edward Jones, Osaic Wealth Inc., and other positions outside the financial industry. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets with over 5,400 advisors. The firm offers wealth advisory planning and investment consulting across a diverse client base, including individuals, institutions, and government entities, with a focus on non-discretionary financial planning and municipal advisory services.

Kate Mbonu is currently an Investment Solutions Representative III at Fidelity Investments, a role she has held since 2022. She partners with clients to understand their financial goals and helps build customized plans to meet their unique needs, emphasizing strong client relationships based on trust and reliability. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2021 to 2022 and was a Financial Advisor at Cetera Investment Services LLC from 2019 to 2021. From 1998 to 2016, she was Branch Manager at Chevy Chase Bank LLC. Kate holds insurance licenses in Arkansas and California. Outside of her professional work, she enjoys cooking and baking, family activities, fitness, social events with friends, music, and singing.

Olufunke Oyesola is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. Her career includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Henry Filter III is a financial advisor with Merrill in Annapolis, MD, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Merrill since 1996 and has concurrently been with Bank of America, N.A. since 2011. Merrill provides managed account services through the Select Portfolio Solutions program to a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based and discretionary investment strategies with Bank of America’s broader corporate platform, offering access to a wide range of products and services.

Patricia Baum is a financial advisor at RBC Capital Markets with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2008, also working with City National Bank since 2017. Baum serves on the Board of Directors for the Baltimore Community Foundation, where she chairs the investment committee, and is a board member of the Rosa Parks Museum. She is president of the Charles C. Baum Foundation, a family charitable organization focused on community grants. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored portfolio management and advisory services, combining in-house and third-party investment resources with options for tax management and responsible investing.

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.

Gilma Hernandez is a financial advisor at LPL Financial with three years of industry experience. She previously worked at Merrill and Bank of America, N.A. Hernandez holds a Series 66 credential. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing model portfolios and research from both internal and third-party sources.

Julianna Lopes is a financial advisor with Primerica Advisors in Crofton, MD, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Primerica Advisors since 2003 and has prior experience at Arbonne from 2016 to 2019. In addition to her advisory role, she is a self-employed instructor for pre-licensing classes for PFS agents and an author. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plans.

Terrell Matthews is a financial advisor with Primerica Advisors in Calverton, MD, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2012 and has been associated with the U.S. Patent & Trademark Office since 2005. Outside of his advisory role, he owns Matt-Hew Consulting LLC, where he serves as a Certified Divorce Financial Analyst. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

David Kuzma is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 credentials and bringing 11 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and Cambridge Investment Research Inc. since 2015. Kuzma serves on the board of the Catholic Business Network of Montgomery County and the Maryland chapter of the Exit Planning Exchange. He is also an author, educator, and owner of Blue Chair Publishers, LLC, as well as Aquilo Private Wealth Advisor, LLC and Aquilo Accounting & Tax, LLC. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a broad range of clients including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing a variety of portfolio management strategies and custody arrangements tailored to client objectives.

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.