Winston Imwalle serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He has been part of Fidelity since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked at Westminster Financial Companies as a Portfolio Management Group Associate from 2011 to 2013. With over 14 years of industry experience, including more than 12 years at Fidelity, Winston partners with individuals and families to assist with important financial decisions, aiming to provide holistic guidance. He leverages his extensive experience alongside Fidelity's resources to support wealth planning. Outside of his professional work, Winston enjoys family activities, golf, and traveling.

Keith Lindsey is a financial advisor at Osaic Wealth Inc. with one year of industry experience. He holds the Series 66 designation and has worked previously at Capital Harvest Wealth Partners, Hometap Equity Partners LLC, NVR Mortgage, and Road Runner Sports. Outside of his advisory role, Lindsey is involved in marketing and fixed annuity sales through Capital Harvest Wealth Partners. Osaic Wealth Inc. serves a diverse client base including individual and high-net-worth investors, institutional clients, and charitable organizations. The firm offers integrated brokerage and advisory services, retirement plan consulting, and access to various managed account platforms, employing tools such as asset-allocation models and automated rebalancing to construct diversified portfolios.

Michelle Stitely is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley continuously since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Christopher Sarlo is a financial advisor with LPL Financial based in Frederick, MD. He holds a Series 66 designation and has six years of industry experience, including a decade at TD Wealth prior to joining LPL Financial. His other business activity includes involvement with Life Sciences Wealth. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory and brokerage services supported by research, model portfolios, and both discretionary and non-discretionary management options.

Edith Wennick is a financial advisor with Merrill, holding a Series 63 designation and over 40 years of industry experience. She has worked at Merrill since 1984 and at Bank of America, N.A. since 2009. Outside of her advisory role, she serves as President and Board Member of the North Point Condo HOA in Ocean City, Maryland. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cornelia Mallari is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset investment approach supported by dedicated research and alternative investment offerings.

Jeremy Kramer is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Wennick Kramer Group. He specializes in working with high-net-worth individuals, families, and business owners, providing services tailored to help them pursue their financial goals through a goals-based wealth management approach. Jeremy and his team focus on family wealth management strategies, personal retirement planning, portfolio management services, and supporting women and wealth. Jeremy began his career in financial services in 2007 and joined Merrill as a Financial Advisor in 2015. His professional experience is informed by over eight years as a volunteer EMT, which shapes his approach to financial advising by emphasizing preparation for unexpected events. His advisory process integrates investment management, risk mitigation, and forward-looking planning to help clients protect and grow their wealth. He holds a Bachelor's degree from the University System of Maryland and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeremy is fluent in English and Hebrew. In his personal time, he enjoys baseball, golfing, racquetball, skiing, spending time with his family, and traveling. He is also committed to community involvement through volunteer work.

Lawrence Singer is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 66 and Series 63 licenses and bringing 20 years of industry experience. His prior work includes positions at Ameriprise Financial Services and Howard County Fire and Rescue. Outside of advising, he manages Gathering Roots Farm, where he oversees all aspects of farming operations. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that focus on dependable income and tax-aware withdrawal strategies. The firm uses a collaborative approach supported by proprietary research and tools to deliver tailored retirement recommendations.

Danielle Thibault is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in financial and wealth management. She provides wealth management and planning services primarily to clients in Northern Virginia, Washington D.C., and Maryland, with additional clients across various states. Danielle focuses on areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management, women and wealth, and retirement income. Before joining Merrill Lynch in February 2020, Danielle served as a Financial Advisor at LPL Financial and was Director of Wealth Strategies at Capital One Financial Advisors. Her career began at Chevy Chase Financial Services. With extensive experience in both financial planning and investment management, she has created financial plans for high net worth clients and led managed money efforts at a national bank. Danielle holds a Bachelor's Degree from the University of Maine System and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). She volunteers with Platoon 22, an organization dedicated to educating the community on PTSD and veteran and first responder suicide, supporting efforts in her home community of Frederick, Maryland. Outside of work, Danielle enjoys boxing, hiking, skydiving, and spending time with her family.

John Norberg is a CFP®-certified financial advisor with eight years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2023, he worked at Edward Jones for five years and has experience in the restaurant and solutions sectors. Outside of his advisory role, he has been involved with Norberg Wealth Management and serves as a Colonial Life insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Michael Schenk is a financial advisor with Morgan Stanley in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory services.

Elizabeth David is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. She currently works at Edward Jones, where she has been since 2023, and previously spent 16 years at Blue Heron Financial Group, formerly affiliated with LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Victor Fox is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2017, and a prior position at the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through Corporate Financial Planning agreements.

Peter Loysen is a financial advisor with Edward Jones in Frederick, MD, holding a Series 66 designation and 19 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Jeffrey Wheeler is a CFP® with 22 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at VOYA Financial Advisors and Frontier Financial Group. Wheeler also maintains a role as a non-variable insurance agent through Frontier Financial Group. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutional entities. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Rutin Crisp is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing and Wells Fargo Bank, N.A. before joining Morgan Stanley. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process includes structured discovery and firm-approved tools, utilizing models such as Monte Carlo simulations, while primarily acting in an advisory capacity.

Scott Katzenbarger is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise Financial Services, Inc. for 14 years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management along with research-supported model portfolios.

Michael Brezovec is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise Financial Services, Inc. for 14 years. In addition to his advisory work, he serves as a firearms instructor and is involved in deer management through Phillips Farm in Adamstown, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supporting both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Keyoor Brahme is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with PFS Investments Inc, Primerica Financial Services, and Equinoxys. Outside of his advisory role, Brahme is the founder and treasurer of Prabalta Inc, a non-investment related venture. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account strategies under a wrap-fee structure. The firm curates third-party asset managers and integrates trading and custody services through established partners.