David Holman is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He worked at Edward Jones for 13 years before joining LPL Financial in 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment options and employs technology tools to support advisors, managing over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.

Brenda Yombo is a financial advisor at Primerica Advisors with nine years of industry experience. She holds Series 63 and Series 65 designations and has worked at firms including Intuit, Jones and Company Professional Corporation, and Rose Financial Solutions. Brenda is also the CEO and managing member of Infinity Gray Consulting LLC, providing consulting and tax preparation services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and offers both discretionary and non-discretionary investment options supported by custodians such as BNY Mellon Advisors and Pershing.

Jonathan Greaney is a financial advisor at Morgan Stanley with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley since 2019, including his current role at Morgan Stanley Private Bank, N.A. Prior to joining Morgan Stanley, he was employed at T. Rowe Price and held positions with the cities of Winchester and Gaithersburg. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and market outlook models.

Keith Hoover is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His work history includes roles at CLRA Group LLC and PFS Investments Inc., alongside a decade-long involvement with the Frederick Keys Baseball organization. In addition to his advisory role, he receives compensation for part-time referrals related to home security, automation products, and loan services through affiliated Primerica companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and operates with support from BNY Mellon Advisors and Pershing for trade execution and custody.

Jonathan Dorsch is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 66 licenses and having eight years of industry experience. His prior roles include positions at T. Rowe Price and Northwestern Mutual, as well as work at Washington College. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate financial planning agreements.

Tahsin Faruki is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His career includes roles at Wells Fargo Clearing, MassMutual, and PenFed Credit Union. He is also involved with PenFed Wealth Management, supporting LPL’s business operations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by investment adviser representatives utilizing a range of discretionary and non-discretionary strategies.

Matthew Pereira is a Series 66-licensed financial advisor at Merrill with six years of experience, including four years at Wells Fargo Bank N.A. prior to joining Merrill in 2020. He is based in Frederick, MD. 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 strategies for individual, high-net-worth, institutional, and nonprofit clients.

Ashwin Rajan is a financial advisor at LPL Financial with a Series 66 designation and one year of industry experience. Prior to joining LPL, he was involved with Outspoke.io and attended the University of Maryland - College Park. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management.

Frederick Ridgway Jr. is a financial advisor with Stifel, holding a Series 66 designation and 28 years of industry experience. He has been with Stifel Nicolaus & Co. Inc since 2009. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipalities, offering brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Terrence Taylor is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and 26 years of industry experience. His prior roles include positions at Lincoln Financial Securities and New York Life Insurance Company, among others. Taylor also operates as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary model strategies.

Tj Atkinson is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1988, also working at Bank of America since 2009. Outside of his advisory role, he owns and operates an equestrian business and agricultural real estate ventures in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Ronald Rickert is a financial professional at Cetera with one year of industry experience. He holds a Series 66 designation and has previously worked at Woodmac, Inc. and other firms. Outside of his advisory role, he is also an insurance agent involved in fixed insurance sales and service. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers diverse portfolio management and planning services with a multi-manager platform that includes affiliated and third-party managers and a range of program structures.

Nicholas Cascarino is a financial advisor at Edward Jones with seven years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Edward Jones in 2019, he worked in various roles including at Longhorn Steakhouse and Candoris, and had teaching engagements at Shippensburg University. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Naj Altaf is a financial advisor at OSAIC with 29 years of industry experience. He holds the Series 66 designation and has held roles at firms including Woodbury Financial Services, Capital One Investment Services, and Chevy Chase Financial Services. Outside of his advisory work, he is a partner at Capital Harvest Wealth Partners, an investment advisory LLC. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services. The firm uses a model-based investment process featuring asset allocation, portfolio optimization, and multiple managed account programs delivered through a broad affiliate network.

David Goldberg is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds a Series 66 designation and has worked at Cambridge Investment Research Inc. and Cambridge Investment Research Advisors since 2021. Outside of his advisory role, he serves as interim CEO and board member for Individualized Medicine, Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, managing a multi-billion dollar asset base and offering services through multiple platforms and custodians.

Kevin Forkin is a CFP® professional with five years of industry experience, currently affiliated with Charles Schwab in Gaithersburg, MD. His work history includes positions at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as prior roles at Bankers Life Advisory Services, Inc., Bankers Life Securities, Inc., Bankers Life & Casualty, Inc., and a decade of service in the US Army. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, using multi-asset model portfolios and due diligence from its Center for Financial Research.

Carl Vail III is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2009. Vail also has involvement with investment-related 529 plans in Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.

Andrew Pantoja is a financial advisor at Morgan Stanley in Frederick, MD, holding a Series 66 designation with four years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Bank of America and Merrill from 2021 to 2024. His background also includes roles outside finance, such as working at Jinya Ramen Bar and IPIC Theaters LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and various investment strategies.

Jason Silverberg is a CFP® and ChFC® with 21 years of experience in financial advising. He is currently with Cetera and Silverberg Financial, LLC, and has prior experience with Financial Advantage Associates and Minnesota Life. Outside of his advisory work, he is an author and owns Silverstone Press LLC. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutions. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting both discretionary and non-discretionary strategies across multiple program structures.

Nathan Harris is a Series 66-licensed financial advisor with Raymond James Financial, based in Frederick, MD, and has 18 years of industry experience. He previously worked at Bank of America and Merrill before joining Raymond James in 2021. Outside of his advisory role, he serves as CEO of Covenant Capital LLC, a support company. 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, corporations, and institutional investors. The firm offers tailored non-discretionary planning and consulting services, utilizing risk profiling and modeling tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.