Stephanie Latta is a financial advisor with RBC Capital Markets in Annapolis, MD, holding Series 63, 65, and 66 licenses. She has 26 years of industry experience, including prior work at Morgan Stanley Smith Barney. RBC Wealth Management serves a wide range of clients, including individual investors and institutions, offering advisory and brokerage services with customizable portfolio management and financial planning solutions.

Garrett Foran is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. He has previously worked at Edward Jones and Osaic Wealth Inc., and has held positions outside finance including roles at Mosquito Hunters and Virginia Tech. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, providing financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kate Mbonu is currently an Investment Solutions Representative III at Fidelity Investments, a role she has held since 2022. She partners with clients to understand their financial goals and helps build customized plans to meet their unique needs, emphasizing strong client relationships based on trust and reliability. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2021 to 2022 and was a Financial Advisor at Cetera Investment Services LLC from 2019 to 2021. From 1998 to 2016, she was Branch Manager at Chevy Chase Bank LLC. Kate holds insurance licenses in Arkansas and California. Outside of her professional work, she enjoys cooking and baking, family activities, fitness, social events with friends, music, and singing.

Olufunke Oyesola is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing Services, LLC and Wells Fargo Bank, NA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The program employs a combination of quantitative and qualitative research and incorporates ESG eligibility in its recommendations.

Henry Filter III is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Merrill since 1996 and has been with Bank of America, N.A. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Patricia Baum is a financial advisor at RBC Capital Markets with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2008, also working with City National Bank since 2017. Baum serves on the Board of Directors for the Baltimore Community Foundation, where she chairs the investment committee, and is a board member of the Rosa Parks Museum. She is president of the Charles C. Baum Foundation, a family charitable organization focused on community grants. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored portfolio management and advisory services, combining in-house and third-party investment resources with options for tax management and responsible investing.

Brad Long is a CFP® professional with 24 years of industry experience, currently affiliated with Raymond James Financial. He has worked at Raymond James since 2009 and has held various roles including independent insurance sales agent, tax preparer, and business consultant. Long is also the president of Long Financial Services, a support company for financial advisors. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.

Michael Viscardi Jr. is a CFP® and ChFC® with 28 years of experience in the financial services industry. He has worked at M&T Bank and its securities affiliate for over two decades before joining LPL Financial in 2021. Outside of his advisory role, he serves as a USA Hockey certified ice hockey referee for youth games in Maryland. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Mark Murphy is a CFP® professional with 27 years of industry experience, currently serving at Wells Fargo Advisors Financial Network LLC since 2009. He holds a 20% ownership interest in Private Wealth Partners, LLC, an investment-related business based in Annapolis, MD. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu covering various financial needs and integrates advisory services with other financial product offerings and referral channels.

Robert Johnson is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the CFP® and CFA® designations and previously worked at Blackrock Investments, LLC for 12 years. Outside of his advisory work, he serves as Treasurer for his homeowners association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. Schwab offers a combination of non-discretionary advisory relationships alongside access to affiliated discretionary separately managed accounts, supported by an integrated operational structure and a broad range of investment and custody services.

Debra Dillon is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 9 years of industry experience. She has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses Wells Fargo research and tools to develop tailored recommendations for its clients.

Kevin Appler is a CFP® professional with 30 years of experience in the financial industry. He has worked at LPL Financial off and on since 2008 and also spent time at Kestra Financial Services and Tower Federal Credit Union. He operates Tower Wealth Management as a DBA for his LPL business. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Matthew Sobocinski is a CFP® professional at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network since 2009. In addition to his advisory role, Sobocinski is a 20% owner of Private Wealth Partners LLC, a financial practice based in Annapolis, MD, and serves as a co-trustee for a Finet 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services to clients meeting a net-worth threshold, utilizing Wells Fargo research and tools to develop tailored recommendations.

Jesse Boyd Jr. is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1993, concurrently working at Bank of America since 2009. 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, and institutional investors, with portfolio implementation that includes strategic asset allocation and tax-aware options.

Spyros Ritsinias is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005 and holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning, utilizing a centralized team to produce written Recommendation Reports based on investment research, third-party data, and algorithmic tools.

Gilma Hernandez is a financial advisor with LPL Financial, holding a Series 66 license and four years of industry experience. Her previous roles include positions at Merrill and Bank of America, N.A. Hernandez currently conducts wealth management activities through Tower Federal Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions through a large network of advisors, utilizing model portfolios, third-party managers, and customized strategies.

Julianna Lopes is a financial advisor with Primerica Advisors in Crofton, MD, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Primerica Advisors since 2003 and has prior experience at Arbonne from 2016 to 2019. In addition to her advisory role, she is a self-employed instructor for pre-licensing classes for PFS agents and an author. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plans.

Terrell Matthews is a financial advisor with Primerica Advisors in Calverton, MD, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2012 and has also worked at the U.S. Patent & Trademark Office since 2005. Matthews owns Matt-Hew Consulting LLC, where he operates as a Certified Divorce Financial Analyst. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

William Stanik is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at MetLife Securities Inc. from 2010 to 2017. Outside of advising, he is an insurance agent licensed for life and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals.

David Kuzma is a financial advisor with Cambridge Investment Research Advisors who holds Series 65 and Series 63 licenses and has 11 years of industry experience. He has been with Cambridge Investment Research since 2015. Outside of his advisory role, he serves on the board of the Catholic Business Network of Montgomery County and the Maryland chapter of the Exit Planning Exchange, and he is involved in authoring and educational activities related to finance through his private ventures. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates thousands of financial professionals, managing a multi-billion dollar asset base and offering a range of discretionary and non-discretionary management solutions across multiple platforms.