Benjamin Spiker is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America, Merrill, and Citigroup Global Markets. Outside of his advisory role, he is involved in several investment-related businesses, including co-ownership of office space and management of small enterprises. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services. The firm provides a broad range of planning options tailored to clients meeting certain net-worth thresholds, utilizing proprietary research and tools to deliver personalized recommendations.

Mike Ellis is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill Lynch since 2011. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Horst is a financial advisor at OSAIC with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. and OSAIC Services, Inc. He also has a background as an insurance agent specializing in term insurance sales and fixed products. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Christopher Ridgeway is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo, PNC Bank, BBVA, and SunTrust Bank. 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 for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Keith Hendrick is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support client financial goals.

Adina Lavoie is a financial advisor at Primerica Advisors with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Primerica Financial Services and PFS Investments Inc. since 2008. In addition to her advisory role, she consults part-time for Pourkys LLC. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies from unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Cynthia Brown is a financial advisor with Raymond James & Associates in Annapolis, MD, holding Series 63 and Series 66 credentials and having 23 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad nationwide adviser network.

Stanley Omosa is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously spent eight years at MassMutual. Outside of advising, he serves in a guardianship role for a child, dedicating a few hours monthly to this responsibility. 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 strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Daniel Beigel is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and eight years of industry experience. He has been with Ameriprise since 2016, initially at Ameriprise Financial Services, Inc., and continuing with the current firm since 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on income sources and tax-aware withdrawal strategies.

Antonio Da Costa is a financial advisor at Edward Jones with a Series 66 designation and experience working at Morgan Stanley and New Day Financial. He has been with Edward Jones since 2026. 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 broad range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and affiliated investment products.

Joelle Gotimer is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2022. She has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked as an Associate Financial Planner at Financial Consulate from 2014 to 2016. In her role, Joelle partners with clients to organize and align their wealth as they work towards their lifetime and legacy goals. She serves as an advocate and resource, helping clients navigate Fidelity's offerings to find strategies tailored to their unique needs and objectives. Outside of her professional work, Joelle's personal interests include hiking, music, pets, and yoga.

Robert Carrozza is a Series 66 credentialed financial advisor with 15 years of industry experience. He has worked at J.P. Morgan Securities since 2026 and spent 18 years prior at Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a systematic, research-driven advisory process.

Stacey Alviani is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for nine years before joining Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Lynda Hiller is a financial advisor at RBC Capital Markets with 30 years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Jasmine Davis is a financial advisor with LPL Financial in Cheverly, MD, holding a Series 66 credential and 19 years of industry experience. Prior to joining LPL Financial in 2024, she worked at Morgan Stanley from 2020 to 2024 and held various roles at Wells Fargo Clearing, Wells Fargo Advisors, and Truist Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions supported by technology and oversight of over $819 billion in discretionary assets.

Jackson Heineman is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and has prior work experience at Lowes Foods and DoorDash. Ameriprise offers a retirement-income planning service focused on individuals near or in retirement with substantial investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach, delivering personalized, algorithm-supported advice through a centralized consulting team.

Crystal Barker is a financial advisor at Edward Jones with 16 years of industry experience. She holds the CFP® and Series 66 designations and has worked at Edward Jones since 2018, following roles at PNC Investments and PNC Bank. Outside of advising, she owns JASCO, LLC, which is involved in agritourism and agriculture, and serves as an NRA Certified Pistol Instructor. Edward Jones is a full-service wealth management firm serving a diverse client base, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets across a nationwide network of advisors and offers a range of advisory programs, including discretionary wrap fee strategies and separately managed accounts, while operating under a fiduciary standard.

Robert Chapman is a financial advisor at Edward Jones with 12 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs and managed solutions, supported by a large network of financial advisors and branch offices nationwide.

Jonathan Steele is a financial advisor with Morgan Stanley in Annapolis, MD, holding a Series 66 designation and 17 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing the Global Investment Committee’s return estimates and Monte Carlo simulations.

Denise Adah is a financial advisor with LPL Financial in Lanham, MD, holding a Series 66 designation and 24 years of industry experience. Her prior career includes 16 years at Ameriprise Financial Services and roles at Avantax and CUSO Financial Services. She is also involved with NASA Federal Credit Union, where she offers investment services through LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with technology and a wide range of investment options.