Kirsten Sandberg is a financial advisor at Mercer Global Advisors Inc. with 23 years of industry experience. Her prior roles include positions at PNC Bank, Fisher Investments, JPMorgan Securities, and BNY Mellon. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, and non-profits by providing investment advisory services along with financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory-based approach focusing on globally diversified, risk-appropriate portfolios implemented through low-cost ETFs, index funds, separate managers, and other strategies.

Michele Beernink is a financial advisor with Kestra Advisory in Towson, MD, holding a Series 65 credential and bringing 16 years of industry experience. Her career includes roles at Verdence Capital Advisors, Private Advisor Group, and LPL Financial. She also serves as Director of Private Wealth Services at Capital Financial Partners, LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, including plan sponsors. The firm offers fiduciary consulting, plan design, and investment advice supported by due diligence, serving a diverse client base that includes large institutional investors and sovereign wealth funds.

Frederic Bryant IV is a financial advisor with Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Janney Montgomery Scott since 2002. Outside of his advisory role, he operates two farms as a sole proprietor. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage, financial planning, consulting, and multiple advisory programs.

Andrew Chudy is a financial advisor at Cerity Partners LLC with 16 years of industry experience. He holds a Series 65 designation and previously worked at Maryland Capital Management for 13 years before joining Cerity Partners in 2023. Cerity Partners is an SEC-registered investment adviser serving individuals, families, trusts, corporations, and institutional investors with approximately $126.9 billion in client assets. The firm offers a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, emphasizing diversified asset allocation and customized portfolio management.

Antonio Ristaino is a financial advisor with United Planners Financial Services of America, holding the CFP® designation and Series 63 license. He has 43 years of industry experience and has been with United Planners since 2005. Outside of his advisory work, he is the owner of Ristaino Marketing, a marketing company, and serves as an instructor and owner of Federal Training Corporation, which provides teaching and coaching services. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent Investment Adviser Representatives and utilizes a mix of custodians and third-party managers to implement investment and cash-management solutions.

Thomas Brown is a financial advisor with Private Advisor Group, LLC who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2012 and is also associated with Joseph Klein Associates, LLC, where he has worked since 1983. Brown provides financial planning and insurance consulting services as part of his advisory activities. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion for a diverse client base, including individuals, trusts, estates, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various third-party asset management programs, utilizing multiple strategies and platforms to meet client objectives.

Andrew Milto is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 licenses and 11 years of industry experience. He previously worked at T. Rowe Price for 12 years before joining Janney Montgomery Scott in 2024. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, and institutional clients, offering a range of brokerage, financial planning, and advisory services supported by in-house portfolio management and third-party managers.

Michael Cheleuitte is a financial advisor at Truist Advisory Services with 17 years of industry experience. He holds a Series 66 designation and previously worked at Bank of America and Merrill for nine years. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Steven Maxwell is a financial advisor with Private Advisor Group, LLC, holding a Series 66 license and eight years of industry experience. His prior roles include positions at Morgan Stanley & Co. LLC and Edward Jones. He is also an agent for National Life Group and Simplicity Group, providing non-variable insurance services. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.

David Hodnett is a financial advisor at CWM, LLC with two years of experience in the industry. He previously worked for Brown Advisory for ten years and has held roles at Jacob William Advisory and UPD Consulting. Outside of advising, he serves as a board member for the Forest Hill Swim and Tennis Club and the University of Maryland Francis King Carey School of Law Alumni Association. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a nationwide network of over 600 advisors. The firm employs model portfolios managed by an in-house Investment Committee and utilizes a combination of fundamental and technical analysis, third-party sub-advisors, and customized tools, with a strong focus on retirement plan and institutional services.

Stephen Pupa Jr. is a CFP® with 32 years of industry experience, currently affiliated with Commonwealth Financial Network. He has been with Commonwealth Equity Services, Inc. and First Susquehanna Financial Group, Inc. since 1997. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and back-office support including operations, trading, technology, compliance, and investment management. The firm offers customizable investment solutions and discretionary model portfolios managed by its Investment Management and Research team.

Jeffrey Caples is a CFA® charterholder with 24 years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2023, following a 13-year tenure at Maryland Capital Management, LLC. He holds a Series 63 license and is based in Towson, Maryland. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, and other institutional investors. The firm provides a range of services such as investment management, financial planning, tax and insurance support, and retirement plan services, emphasizing diversified asset allocation and access to alternative and private-market investments.

Michael Mele is a CFA® charterholder based in Towson, MD, with three years of industry experience. He currently works at HB Wealth Management, LLC and previously held positions at WMS Partners, LLC, T. Rowe Price, and AstraZeneca. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management aligned with client objectives and risk tolerance, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

Brian Stevenson is a Series 66-licensed financial advisor with two years of industry experience. He is currently with Empower Advisory Group, where he has worked since 2026. His prior experience includes roles at Merrill, Bank of America, and T. Rowe Price. Empower Advisory Group provides financial planning and investment management services primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and select retail brokerage clients. The firm emphasizes long-term portfolio returns through integrated planning and managed account solutions aligned with Empower’s recordkeeping and administrative platforms.

Jodi Credit is a financial advisor at Cerity Partners LLC with three years of industry experience. She holds a Series 65 designation and has worked previously at Maryland Capital Management and Cushman & Wakefield. Cerity Partners provides customized wealth management and related services to a broad national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors, using tailored asset allocation, manager selection, and proprietary quantitative screens.

Tyler French is a financial advisor at HB Wealth with a Series 65 designation and one year of industry experience. His prior experience includes roles at WMS Partners, Founders Financial, LLC, and Stepstone Group. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers wealth management, investment management, and financial planning, with investment strategies that combine quantitative and qualitative due diligence across a range of public and private assets.

Stephen Ridge is a financial advisor at Empower Advisory Group with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Empower Retirement, Bank of America, Merrill, TD Ameritrade Investment Management, and Scottrade. Ridge volunteers as an event coordinator for the Boy Scouts of America, assisting in planning sporting events. Empower Advisory Group primarily serves employer-sponsored retirement plan sponsors and their participants, offering financial planning and investment management through an integrated model linked to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing within plan lineups selected by plan sponsors.

Thomas Neubauer Jr. is a financial advisor at HB Wealth with nine years of industry experience. He holds Series 63 and Series 66 licenses. Prior to joining HB Wealth Management in 2026, Neubauer worked for nine years at T. Rowe Price Associates and spent one year at First Home Mortgage. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers wealth management, investment management, and financial planning services, using a combination of quantitative and qualitative due diligence across a broad range of public and private investment strategies.

Richard Feliz is a financial advisor with PNC Wealth Management in Bel Air, MD, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been with PNC Investments since 2012. Outside of finance, he has pursued a long-term career as a contract musician since 2007. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithm-driven risk assessments and approved investment strategies implemented via mutual funds and ETFs.

Adam Wlodarczyk is a financial advisor with Guardian Life and holds Series 65 and Series 63 licenses. He has three years of industry experience, including roles at Park Avenue Securities and Guardian Life Insurance. His prior work history also includes positions in accounting and technology firms. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients with brokerage services, financial planning, retirement consulting, and investment advisory programs. The firm offers both discretionary and non-discretionary advisory services and utilizes proprietary and third-party investment models.