Stephanie Livingston Alper is a financial advisor at LPL Financial with 10 years of industry experience. She has held roles at LPL Financial since 2018 and previously worked at INVEST Financial Corp. from 2015 to 2018. Outside of her advisory work, she is the owner and president of Livingston Tax Solutions and a managing partner of EliteProcure, LLC, an equipment supplier for contractors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, with access to model portfolios and research from multiple sources.

Christopher Brazfield is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2012 and also has concurrent experience with the Department of Defense since 2011. Outside of his advisory role, Brazfield has involvement in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, operating at scale with nearly 3,700 advisors and $15.5 billion in assets under management. The firm’s program emphasizes model-based investment strategies overseen by third-party managers and focuses on individual investors rather than institutional clients.

Regis Breen is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Heritage Consultants. Outside of his advisory role, Breen serves as Vice President of Business Development at Brad Schwartz Wealth Management LLC and occasionally speaks to graduating students at Towson University about entering the workforce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines proprietary research and algorithmic tools to deliver tailored, tax-aware retirement advice within a defined investment framework.

David Vogelsang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Starry Associates, PFS Investments Inc., and Primerica Financial Services. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Jason Koval is a CFP® and holds a Series 65 license with one year of industry experience. He is currently with LPL Financial and has held prior roles at firms including Thompson Wealth Solutions, Elite Income Advisors, Red Oak Financial Group, Baltimore-Washington Financial Advisors, and Ameriprise Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, third-party research, and various management strategies.

Christopher Yingling is a financial advisor with RBC Capital Markets in Westminster, MD, holding Series 63, Series 65, and Series 66 licenses and bringing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Yingling serves on the Carroll Community College Planned Giving Committee, advising on fundraising strategies. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies that incorporate in-house and third-party investment managers and tax-management options.

Gregory Gann is a financial advisor with LPL Financial in Baltimore, MD, holding Series 66 and Series 63 credentials with 31 years of industry experience. He has been with LPL Financial since 2005. In addition to his advisory role, he is a licensed attorney in Maryland and is involved in mediation and litigation support services, as well as freelance writing for Proactive Advisor Magazine. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and technology-driven strategies.

Joshua Rivlin is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 16 years of industry experience, including roles at LPL Financial and managing his own firm, The Rivlin Group PC, where he provides tax preparation and accounting services. He is also involved as an independent insurance agent and has participated as a speaker promoting the Xero brand to accountants and bookkeepers. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through a network of independent Financial Professionals. The firm offers comprehensive financial planning and investment management services with multiple portfolio management options, proprietary and third-party model strategies, and a combination of discretionary and non-discretionary implementations tailored to client objectives.

Frank Eilbacher is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses with eight years of industry experience. His work history includes roles at Cornell Technical Services, PFS Investments, Inc., Primerica Financial Services, Inc., and GDIT. He is also involved in the sale of non-investment products through affiliates of PFS Investments Inc., including loan products and home-related services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-driven investment strategies supported by third-party asset managers and custodians.

Michael Welsh is a CFP® professional with over 36 years of experience at Welsh Financial & Accounting Services, LLC in Sykesville, MD. He has specialized in both accounting and financial advisory services throughout his career. Welsh Financial & Accounting Services, LLC operates primarily as an accounting firm that also offers registered investment advisory services to a limited client base. The firm emphasizes individualized financial planning and uses fixed-fee and hourly-fee billing arrangements rather than asset-based fees.

Steven Bass is the sole advisor at Steve Bass & Associates, Inc., an independent firm based in Reisterstown, MD. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. He has worked at Steve Bass & Associates since 2002. Steve Bass & Associates serves clients with independent financial advisory services.