Toni Whaley is a financial advisor with Planmember Securities Corporation in Elkridge, MD, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. She is the owner and vice president of Paladin Advisor Group, a full-service financial planning practice, and serves as president of the Chartwell Business Park Association. Additionally, Whaley is president of the National Tax-Deferred Savings Association, focusing on advocacy and education for supplemental retirement savings plans. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Thomas Desiderio Jr. is a CFP® credentialed financial advisor with 31 years of industry experience, currently serving at Kestra Advisory since 2016. He has held roles at Kestra Investment Services, LLC since 2009 and operates Thomas Desiderio, CPA, LLC, providing tax preparation and accounting services. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors, with services ranging from fiduciary consulting to plan-level investment advice and employee education. The firm manages approximately $79.8 billion in assets and serves large institutional clients such as sovereign wealth funds.

Lisa Kim is a financial advisor at First Command Advisory Services with three years of industry experience. She holds Series 63 and Series 65 licenses and has worked primarily within First Command-affiliated firms since 2026. Kim serves on the boards of Baltimore Hire Power, a nonprofit focused on job training and placement, and the Korean American Grocers Association of Maryland, where she assists with administrative and event activities. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, delivering investment management through a centralized team that selects model portfolios and third-party managers from approved lists.

Tatiana Dadykina is a CFP® with 10 years of experience in the financial services industry. She has worked at Wealthspire Advisors since 2018 and previously spent three years with AXA Advisors LLC. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients, including individuals, corporate plans, nonprofits, and foundations. The firm employs an institutional-style asset allocation framework and offers a range of services such as wealth management, financial planning, retirement-plan consulting, and trustee services.

Rachael Gerjets is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and eight years of industry experience. She has been with Foundation Financial Advisors since 2014. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides advisory programs and operational support while allowing advisors discretion in portfolio construction and offers a range of model portfolios and program structures through its Investment Management and Research team.

Kevin Patterson is a CFP® professional with 18 years of industry experience, currently affiliated with Commonwealth Financial Network and Guardian Wealth. His prior experience includes 16 years at Valic Financial Advisors and two years at Agia. Outside of his advisory work, he owns KD Patterson Music, LLC, which manages a band based in Annapolis, MD. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support, with discretionary model portfolios managed by its Investment Management and Research team.

Monica Kim is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds the Series 66 designation and has worked previously at Charles Schwab, TD Ameritrade, and other firms. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns and clients’ savings rates.

Elaine Shanley is a financial advisor at Private Advisor Group, LLC with 30 years of industry experience. She holds the CFP® designation as well as Series 63 and Series 65 licenses. Her career includes extensive tenure at Private Advisor Group since 2012 and prior work with Young and Company beginning in 1998. Shanley also maintains independent insurance agent activities. 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 utilizes a fiduciary-based advisory model and a variety of investment strategies, often implementing client advice through third-party managers and technology platforms.

Grace Boyle is a financial advisor at Beacon Pointe Advisors, LLC in Columbia, MD, holding a Series 65 designation with one year of industry experience. She previously worked at Keeney Financial Group and Freedom Mortgage. Outside of finance, she has experience working at Cottage Cafe. Beacon Pointe Advisors provides wealth advisory, financial planning, and outsourced chief investment officer services to individuals, corporations, and institutional clients. The firm employs both active and passive strategies across multiple asset classes and manages proprietary private funds and interval funds alongside third-party investment managers.

Jennifer Kutchey is a CFP® with 18 years of industry experience, currently serving at MAI Capital Management, LLC since 2025. Prior to joining MAI, she worked for 13 years at Lowe Wealth Advisors, LLC. MAI Capital Management offers discretionary and non-discretionary investment management, integrated wealth management, retirement plan consulting, and family-office services to a diverse client base including high- and ultra-high-net-worth individuals, families, sports professionals, trusts, and institutional clients. The firm manages a broad range of strategies and provides additional services such as trust administration and insurance through its affiliates.

Terry Reinhart is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has previously worked at Grove Point Investments, H. Beck, Inc., and maintained his own CPA practice, Reinhart & Associates PC, since 1971. Outside of advisory services, he continues to engage in tax preparation and accounting through his CPA firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a large network of investment adviser representatives.

Robert Petty is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individual and institutional clients, focusing on tailored financial planning and a structured discovery process supported by firm-approved tools.

Anne London is a CFP® professional with 28 years of industry experience, currently serving at Equitable Advisors since 1999. She has held her position through the firm’s prior affiliation with Axa Advisors, LLC. Outside of her advisory role, she is an investment committee member and honorary national vice president of the National Council of Jewish Women and serves on the board of the Hebrew Burial and Social Services Society in Baltimore. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves assessing client needs and risk tolerance to match them with suitable program models or discretionary managers, utilizing a combination of third-party asset managers and firm-offered advisory programs.

Kevin Smole is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2008. He has been with Fidelity since 2001, progressing through roles including Financial Planning Consultant, Investor Center Investments Representative, and Service Trader II. With 25 years of experience, Kevin helps clients recognize their financial goals and offers strategies to align with their plans. He draws upon the resources available at Fidelity to support his clients' financial planning needs. Outside of his professional role, Kevin's personal interests include boating, family activities, fitness, hiking, skiing, and traveling.

Brian Waak is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He previously worked at Cuso Financial Services, LP for 18 years and has been affiliated with NASA Federal Credit Union since 2007. His outside activities include supporting investment products and services offered through the DBA NASA Federal Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Gavin Alwine is a financial advisor at Equitable Advisors with a Series 66 designation and less than one year of industry experience. Prior to joining Equitable Advisors, his background includes roles outside the financial services industry, such as positions at PetSmart, Chick-fil-A, and Keystone Bean LLC. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs. The firm works with numerous third-party asset managers and utilizes various advisory models, emphasizing fiduciary services and a mix of proprietary and third-party investment solutions.

Michael Phillips is a financial advisor at UBS Financial Services with 34 years of industry experience. He holds Series 63 and Series 65 designations and has worked at UBS since 2008. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor strategies to client goals.

Steven Crosby is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Wells Fargo Bank and Sunset Cove. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Mark Mc Mullen is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017 and at Bank of America, N.A. since 2024. He also has prior experience with Nationwide Insurance and Salisbury University. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, combining internal Chief Investment Office models and third-party managers.

Stephen Sciannella is a financial advisor at Edward Jones with three years of industry experience. He holds Series 65 and Series 63 credentials and has previously worked at Cambridge Investment Research and Paychex, Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs with both discretionary and non-discretionary strategies.