Matthew Aversa is a financial advisor at OSAIC with 10 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for seven years and AXA Advisors LLC for two years. Outside of his advisory role, he is the owner of Maller Wealth Advisors, Inc., offering a range of insurance products, and serves on the golf committee board for Pathfinders for Autism, a charitable organization. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, providing integrated brokerage and advisory services through a wide network of affiliated advisers. The firm employs asset-allocation tools and managed-account platforms to construct portfolios with various investment types, supporting both discretionary and non-discretionary management.

Bryan Costabile is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and has worked previously at LPL Enterprise LLC and in sports-related roles with the Premier Lacrosse League, Under Armour, and the Washington Commanders. Outside of advisory work, he is involved in sports coaching and owns Icecap Sports Club in Maryland. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting, supported by analytical tools and a large advisor network.

Craig Gayhardt is a financial advisor at Wells Fargo Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo in various capacities since 2009. Outside of his advisory role, he owns and operates SOJAC Ventures LLC, an investment-related business based in Cockeysville, MD. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, including specialized services such as business-owner transition and special-needs planning.

Marc Pushkin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2013. Pushkin is president of Pushkin & Pushkin, Inc., serving as a third-party administrator, and he acts as an expert witness in divorce and personal injury cases involving actuarial calculations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by model portfolios and market research.

Gavin Stringer is a financial advisor with LPL Financial in Timonium, MD, holding a Series 63 designation and 45 years of industry experience. His prior work includes seven years at Wells Fargo Advisors LLC and three years at Wells Fargo Clearing before joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches and leveraging research and model portfolios from internal and third-party sources.

Kathleen Counts is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of her advisory role, she owns and manages a small family-run internet-based training company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Christopher Pollitt is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2017. Prior to this, he was with SMH Capital Advisors Inc. and Sanders Morris Harris Inc. from 2001 to 2017. Outside of his advisory role, Pollitt is involved in officiating softball and baseball games and serves as a softball coach at Perryville High School. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients' risk profiles using both in-house and third-party managers.

Timothy Spigelmire is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior roles include positions at Equitable Advisors, American Family Insurance, and Merrill. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios.

Patrick Carr is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver customized advice, primarily for clients with assets managed within Ameriprise.

Jamie Hoch is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, Hoch worked at Bank of America N.A. and has held various roles in sectors including real estate and retail. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, institutional clients, and charitable organizations.

Karen Pomeroy Anderson is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2004, bringing over 20 years of experience in executive sales, marketing, and business development at a major consumer products company and an internet start-up. Karen specializes in working with busy corporate executives and business owners, focusing on comprehensive wealth management strategies that address executive compensation, family wealth management, retirement planning, philanthropic planning, and tax minimization. Karen holds a Bachelor's Degree from the University of Michigan and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is involved in professional organizations such as NextUp and the Procter & Gamble Alumni, and engages in community activities with The First Tee of Greater Charlotte, University of Michigan Alumni Association - Charlotte, and the Women's Impact Fund in Charlotte. Residing in Lake Norman with her husband and two daughters, Karen values fitness, health, golf, and community service. She helps clients create customized financial strategies designed around their goals and aspirations, emphasizing preparation for both opportunities and potential challenges throughout their financial lives.

John Dyer IV is a financial advisor with Fidelity, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. Before joining Fidelity, he worked at Capital Portfolio Management, Inc. from 2014 to 2021. He is currently based in Cockeysville, MD. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features including registration as a commodity pool operator and advisory roles to multiple registered investment companies.

Colby Buss is a CFP® professional at UBS Financial Services with 14 years of industry experience, all of which he has spent at UBS since 2012. He holds the Series 66 designation and is based in Hunt Valley, MD. Outside of his advisory role, he serves as Treasurer for the Municipal Art Society of Baltimore, where he is involved in managing artist grant disbursements. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocation to tailor plans to clients’ goals and risk tolerances.

Jacob Fenlason is a CFP® professional with 10 years of industry experience. He has worked at Osaic since 2025 and previously spent nine years at Lincoln Financial Advisors. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, using various tools and platforms to construct portfolios that include multiple asset types and employ both discretionary and non-discretionary management.

Lawrence Wyss is a CFP® professional with 22 years of experience in financial services. He is currently with OSAIC and has prior experience at Lincoln Financial Advisors and M&T Securities. Outside of his advisory role, he serves as the Director of Financial Planning at Heritage Financial Consultants, where he leads research, plan development, and training for advisors. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment options and utilizes firm-provided tools to construct portfolios tailored to client risk profiles.

Robert Fry is a financial advisor at OSAIC with 25 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Lincoln Financial Advisors Corporation for 11 years. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using various asset-allocation tools and third-party solutions to manage portfolios across a range of investment types.

Uche Ebereonwu is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, and First Bank of Nigeria Limited. J.P. Morgan Securities LLC 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Samuel Jeppi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2025 and 2026 respectively, he worked at AlphaSense Inc. and held various roles at organizations including the University of Richmond and Instacart. 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, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Hardisky is a financial advisor with LPL Enterprise, holding a ChFC® designation and Series 65 and Series 63 licenses. He has 10 years of industry experience and previously worked at Pruco Securities, LLC. Outside of finance, he is involved in coaching sports for the Baltimore Orioles, National Football League, and Loyola University Maryland Division I athletics. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products through its integrated advisory and brokerage platform.

Kristi Dargan is a financial advisor with RBC Capital Markets holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Deutsche Bank Securities Inc., DB USA Core Corporation, Raymond James & Associates, Inc., and RBC Capital Markets across multiple periods since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ Advisory Risk Profiles and utilizes a combination of in-house and third-party managers, providing various options including responsible investing and tax management.