Rebecca Simmons is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2011, progressing through positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. In her current role, Rebecca helps clients and their families navigate financial decisions and life transitions by developing step-by-step plans tailored to their goals. She initiates client relationships with goals and education sessions, followed by customized strategy sessions and semi-annual reviews to maintain and refine those plans. Rebecca holds a California Insurance License.

Peter Oneill is a financial advisor at Charles Schwab with 30 years of industry experience. He holds a Series 63 designation and previously worked at Fiduciam Wealth Planning LLC from 2017 to 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs and managed-account services. The firm provides both non-discretionary and discretionary investment guidance through multi-asset model portfolios and integrates advisory, brokerage, custody, and cash-sweep services within its platform.

Charles Chelf IV is a financial advisor with Cetera, holding CFP® and Series 66 credentials and 27 years of industry experience. He has worked at Cetera since 2024 and leads Chelf Asset Management since 2025. Chelf also engages in sales of fixed insurance products and operates under additional financial services entities. Cetera is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

James Guidera III is a financial advisor with Robert Baird & Co. in Towson, MD, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior roles include positions at Cerity Partners LLC, Maryland Capital Management, Franklin Distributors, and Lord, Abbett & Co. LLC. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management department that serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. Baird offers a range of services including financial planning, portfolio management through separately managed account programs, and custody and brokerage services, supported by ongoing manager selection and internal research.

Heather Joynes is a financial advisor at Stifel with 27 years of industry experience. She has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is a Maryland-certified notary public. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling to guide asset allocation and financial planning decisions.

John Kernan is a financial advisor at Merrill with seven years of industry experience. He holds the Series 65 and Series 66 credentials. His prior experience includes fourteen years at Hardesty Capital Management and four years at Bank of America N.A. alongside his current role at Merrill. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Connor Balea is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill, he worked in various roles including at Guidos Burritos and Towson University. 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, and institutions.

Brian Koch is a CFP®-certified financial advisor with 15 years of industry experience. He currently works at RBC Capital Markets and previously spent nine years at Fidelity Brokerage Services LLC. He serves as a volunteer member of the Board Investment Sub-Committee for Notre Dame Preparatory School, an independent Catholic girls' school. 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 tailored investment strategies implemented through a combination of in‑house and third‑party managers.

Christopher Nice is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Merrill, Morgan Stanley, and Bank of America. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations through various advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm integrates in-house and third-party investment managers and provides tailored strategies based on clients’ Advisory Risk Profiles.

Deion Boateng is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Charles Schwab in Towson, MD, having previously worked at Westfield Bank and Ghisallo Capital Management. Prior to his financial career, he was employed in roles outside the industry including Uber Eats and Robert Half. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach with integrated custody and brokerage services.

Brian Gleeson is a financial advisor with Merrill located in Towson, MD. He holds Series 63 and Series 65 designations and has 32 years of industry experience. Brian has been with Merrill since 2009 and has also worked at 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 offers model-based and discretionary strategies constructed by internal and third-party managers, serving a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Drew Bonner serves as a Wealth Management Advisor at Merrill Lynch Wealth Management, a position he has held since 2014. Prior to joining Merrill Lynch, he worked with the FBI investigating Healthcare Fraud. He holds a Bachelor's Degree from Towson University and is certified as a CERTIFIED FINANCIAL PLANNER® by the Certified Financial Planner Board of Standards Inc. In addition, Drew has earned the designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drew's areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He communicates in English and Spanish. Outside of his professional work, Drew is involved in community activities such as Habitat for Humanity and the Maryland Food Bank. His personal interests include basketball, boating, bowling, cooking, fishing, football, golfing, soccer, and spending time with his family.

John Sutton Jr. is a financial advisor at RBC Capital Markets with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2008, as well as at City National Bank since 2018. Outside of his advisory role, he serves as Treasurer for a condominium association in Ocean City, MD. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management services.

Kelly Lemasters is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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 developed by internal and third-party managers.

Joanna Eyere is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she provides financial planning and investment advisory services to clients. Joanna holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), reflecting her expertise in retirement planning and personal investment strategies. She earned a Bachelor's Degree from the University of Maryland UC and a Master of Business Administration (MBA) from the University of Maryland GP.

Gregory Buchinski is a Senior Financial Advisor at Merrill Lynch Wealth Management with 28 years of experience in the field. He joined Merrill Lynch in 1997 after earning a Bachelor's degree in Economics with a concentration in Finance from the University of Maryland, Baltimore County. Greg employs a disciplined approach to portfolio management, emphasizing wealth preservation as fundamental to successful investing. Greg holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Throughout his career, he has been recognized as part of the Liotta Osterman Buchinski team named to the 2023 Forbes "Best-in-State Wealth Management Teams" list. Beyond his professional pursuits, Greg has served on the Board of the University of Maryland, Baltimore County Alumni Association and as past President of the Towson Toastmasters Club. He and his wife Mirna, an attorney specializing in Estate Planning and Elder Law, raise their children Michael and Ava Marie.

Gerald Marquez is a financial advisor at Robert W. Baird & Co. with 40 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 65 licenses. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals and risk tolerances, employing both in-house and third-party managers across traditional and complex investment strategies.

Dominic Patti is a Financial Consultant at Fidelity Investments, a role he has held since 2024. He collaborates with clients and families to develop financial plans that aim to grow and protect wealth while simplifying their financial journeys. His approach is built on trust and transparency, allowing for tailored strategies that address both short and long-term financial goals. Dominic's professional experience includes multiple roles at Fidelity Investments, starting as a Financial Representative in 2020, advancing to Relationship Manager in 2022, and Investment Consultant in 2023 before assuming his current position. Prior to Fidelity, he worked as a Financial Services Representative at T Rowe Price from 2019 to 2020.

Avery Saxe is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2015 and became a registered advisor in 2017. Avery works with a diverse clientele including high net worth families, small business owners, retirees, and corporate benefit plans, focusing on areas such as corporate benefits, executive services, divorce transition planning, employee financial health, and investment strategy. Avery holds a bachelor's degree in Applied Mathematics and Statistics with a minor in Entrepreneurship and Management, as well as a master's degree in Financial Mathematics, both from Johns Hopkins University. He earned the CERTIFIED FINANCIAL PLANNER® designation in 2018, the CERTIFIED PLAN FIDUCIARY ADVISOR® designation in 2019, and the CIMA® designation in 2023. His approach emphasizes goals-based wealth management, creating individualized financial plans tailored to clients' needs and circumstances. Outside of his professional work, Avery is involved in community activities including tutoring at Dunbar High School and supporting the Special Olympics. He resides in Bel Air, Maryland with his wife and son and enjoys traveling and sports such as baseball, football, golfing, and skiing.

Catherine Cronauer is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 30 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader set of financial product offerings than is typical for large institutional advisers.