William Crossan III is a financial advisor with Guardian Life and holds Series 63 and Series 65 licenses. He has 16 years of industry experience, including roles at New York Life Insurance Company and Eagle Strategies before joining Guardian Life and Park Avenue Securities. Outside of his advisory work, he is involved with Campfire Culture, a life coaching business. 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 corporations. The firm offers brokerage, financial planning, retirement consulting, and advisory programs, utilizing both proprietary and third-party models.

John Blair is a Certified Financial Planner (CFP®) with 25 years of industry experience. He currently works at Cerity Partners LLC and previously spent 18 years at Maryland Capital Management, LLC. Cerity Partners is an SEC-registered investment adviser serving a diverse client base including individuals, families, trusts, corporations, and institutional investors. The firm offers a range of services such as investment management, financial planning, tax and insurance support, retirement plan services, and access to alternative and private-market investments, with a focus on diversified asset allocation and customized portfolios.

Martin Eby is a CFP® with 32 years of experience in the financial advisory industry. He has worked at HB Wealth since 2025 and previously spent 31 years at WMS Partners, LLC. He serves as Chairman of the Investment Committee and a board member for Cristo Rey, a nonprofit organization. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm employs a combined quantitative and qualitative investment approach across a broad range of public and private strategies.

Steven Dengler is a CFP® professional with eight years of industry experience, currently serving at Kestra Advisory since 2018. Prior to this, he worked at Mariner Finance LLC for one year. In addition to his advisory role, Dengler is a non-credit instructor at Cecil Community College. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves a broad range of clients, including large institutional investors.

William Brandenburg is a financial advisor at TIAA-CREF with the Series 66 designation and 26 years of industry experience. He has been with TIAA-CREF and TIAA since 2005. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals connected to TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm distinguishes between point-in-time financial planning and ongoing discretionary management using model or customized portfolios, and it also serves as adviser to a donor-advised fund sponsored by Charityvest.

Terese Hopper is a financial advisor at PNC Wealth Management with seven years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, N.A. and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an online discretionary model account available by invitation to PNC Bank employees. The firm employs algorithm-driven portfolio recommendations and delegates investment implementation and proxy voting to third parties.

Daniel Fuqua is a financial advisor with Empower Advisory Group in Abingdon, MD, holding a Series 66 designation and six years of industry experience. He previously worked at Edward Jones and Anderson of Hunt Valley LLC. Outside of his advisory role, he operates an eBay business selling personal items such as clothing, sports cards, and comics. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s services emphasize long-term portfolio returns and are closely integrated with Empower’s recordkeeping and administrative platforms.

Christopher Maas is a financial advisor with Creative Planning in Parkton, MD, holding Series 65 and Series 63 licenses and 15 years of industry experience. His prior roles include positions at Empower Advisory Group, Empower Financial Services, and Prudential Investment Management Services. Creative Planning offers wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Todd Wickwire is a financial advisor with HB Wealth who holds Series 63 and Series 65 licenses and has 32 years of industry experience. His prior roles include positions at WMS Partners, LLC and Wells Fargo Securities, LLC. He is also an adjunct professor at Loyola University Maryland. HB Wealth Management 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, incorporates a capital markets outlook, and utilizes a comprehensive investment process that includes both public and private strategies.

Michael Grossman is a CFP® professional with 12 years of industry experience. He currently works at &PARTNERS and previously held roles at Wells Fargo Clearing Services, EMSAR, ICSEP, and T. Rowe Price. &PARTNERS serves a diverse client base that includes individuals, retirement plans, charitable organizations, foundations, universities, and sovereign wealth funds. The firm offers investment advisory and brokerage services, financial planning, ERISA consulting, retirement plan participant management, and investment banking, employing a range of proprietary and third-party investment strategies.

Kali Lambert is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and two years of industry experience. Prior to joining Janney, she worked at Raymond James & Associates and Morgan Stanley. Outside of her advisory career, she is involved with Rev Cycle Studio and FS8 Pilates. 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 sponsors, and municipal clients, offering services such as brokerage, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Michele Hartman is a CFP® professional with 15 years of industry experience, currently affiliated with Commonwealth Financial Network since 2015. She also owns Michele Hartman Financial Services, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and back-office support, including investment management, compliance, and practice-management services.

Ryan Flanders is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He has worked at Commonwealth since 2018 and previously was affiliated with 1st Global Advisors, Inc. and 1st Global Capital Corp. Outside of his advisory role, Flanders is involved in tax preparation and accounting through his ownership of David A Flanders CPA, LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Kaitlyn Rothaus is a CFP® professional at Kestra Advisory with one year of industry experience. Prior to joining Kestra Advisory, she worked at Mosaic Asset Partners for three years and has experience in educational institutions including Johns Hopkins University and The SEED School of Maryland. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party managed solutions.

Jason Zephir is a financial advisor at Empower Advisory Group with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank SSB, Charles Schwab & Co., Ameriprise Financial Services, Merrill, and Bank of America. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, utilizing an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates while serving a large participant base relative to its advisor headcount.

Stacy Albrecht is a financial advisor at Janney Montgomery Scott with 12 years of industry experience and holds a Series 66 designation. She has worked at Janney Montgomery Scott since 2010 in various roles. Outside of advising, she serves as a notary for Janney clients. Janney Montgomery Scott 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 services, financial planning, consulting, and multiple advisory programs.

Louis Defidelto is a CFP® and ChFC® with 22 years of experience in the financial industry. He has worked with Centaurus Financial, Inc. since 2011 and The Eagle Group Financial Advisors since 2004. In addition to his advisory career, he serves as a captain and flight officer for United Airlines. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, trusts, and foundations. The firm offers a range of financial planning and portfolio management solutions, utilizing both discretionary and non-discretionary approaches with various analytical methods and specialized advisory services.

Johanna Bathurst is a financial advisor with Kestra Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She has been with Kestra Advisory since 2016 and Kestra Investment Services since 2010. Bathurst is the owner of JLB Wealth Management Group, LLC, through which she provides client advising on investment strategies, retirement income planning, budgeting, and savings. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a diverse client base, including institutional and individual investors. The firm provides fiduciary consulting, plan-level investment advice, and access to multiple management platforms, serving a range of clients including large institutional investors and sovereign wealth funds.

John Troiano is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 credentials and 27 years of industry experience. He previously worked at Stifel Nicolaus & Co., Inc. for 11 years before joining Janney Montgomery Scott. Troiano serves as an ex officio, non-voting member of the Mann House alcoholism treatment program board, where he explains financial matters. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide client base including individuals, families, trusts, estates, and institutional clients, offering a combination of brokerage, financial planning, and advisory services through various wrap programs and managed accounts.

Jennifer Ryan is a CFP® with 18 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Connectus Wealth, and The Simmons Partnership. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework.