Ashley Roy is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 designation. Roy has been with Morgan Stanley since 2023 and has prior experience at the University of Maryland - College Park, Boston College, and St. Mary's Annapolis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Luke Krmpotich is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at Cambridge Investment Research and Morgan Stanley. Outside of his advisory work, he is involved as an independent insurance agent and operates Legacy Financial and Legacy Healthcare, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party models, and supports over 22,900 advisors with substantial discretionary assets under oversight.

John Gibson Jr. is a CFP® with 31 years of industry experience, currently advising clients at LPL Financial. His prior experience includes roles at M&T Securities, UBS Financial Services, Raymond James Financial, and Fulton Bank. He is also commissioned as a notary in Annapolis, MD. 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 utilizing both proprietary and third-party strategies and supports its network of over 22,800 advisors with technology and operational resources.

Dianna Jones is a CFP®-certified financial advisor at Wells Fargo Clearing with 19 years of industry experience. She has worked at Wells Fargo since 2016 and previously at Citigroup Global Markets from 2007 to 2009. Outside of her advisory role, she serves as president of the Beverly Beach Community Association. Wells Fargo Advisors is a large national firm providing investment advisory, financial planning, and retirement consulting services to individual, corporate, and institutional clients. The firm combines research from its Wells Fargo Investment Institute with third-party analytics and offers both brokerage and advisory solutions.

Benjamin Spiker is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America, Merrill, and Citigroup Global Markets. Outside of his advisory role, he is involved in several investment-related businesses, including co-ownership of office space and management of small enterprises. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services. The firm provides a broad range of planning options tailored to clients meeting certain net-worth thresholds, utilizing proprietary research and tools to deliver personalized recommendations.

Colleen Schuler is a CFP® professional with 22 years of experience in the financial industry. She is currently with LPL Financial and has previously worked at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of representatives. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Mike Ellis is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill Lynch 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Horst is a financial advisor at OSAIC with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. and OSAIC Services, Inc. He also has a background as an insurance agent specializing in term insurance sales and fixed products. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation, portfolio optimization, and a variety of managed account programs.

Christopher Ridgeway is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo, PNC Bank, BBVA, and SunTrust Bank. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Keith Hendrick is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support client financial goals.

Victoria Walker is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at Raymond James Financial Services Advisors, Inc. since 2019 and previously spent seven years with Wells Fargo Clearing. Walker also serves as Acting Branch Manager at Merriweather Money Management, LLC, where she manages daily branch operations and oversees compliance and business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm utilizes risk profiling and analytical modeling to tailor its non-discretionary planning and encourages implementation through its advisory programs and other providers.

Adina Lavoie is a financial advisor at Primerica Advisors with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Primerica Financial Services and PFS Investments Inc. since 2008. In addition to her advisory role, she consults part-time for Pourkys LLC. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies from unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Cynthia Brown is a financial advisor with Raymond James & Associates in Annapolis, MD, holding Series 63 and Series 66 credentials and having 23 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad nationwide adviser network.

Stanley Omosa is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously spent eight years at MassMutual. Outside of advising, he serves in a guardianship role for a child, dedicating a few hours monthly to this responsibility. 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 strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Steven Dannenmann is a financial advisor at LPL Financial with 36 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Wise Financial Group. Outside of his advisory work, he is a professional poker player and an author. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor resources and technology.

Daniel Beigel is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and eight years of industry experience. He has been with Ameriprise since 2016, initially at Ameriprise Financial Services, Inc., and continuing with the current firm since 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on income sources and tax-aware withdrawal strategies.

Antonio Da Costa is a financial advisor at Edward Jones with a Series 66 designation and experience working at Morgan Stanley and New Day Financial. He has been with Edward Jones since 2026. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and affiliated investment products.

Tina Hines is a financial advisor with LPL Financial based in Hanover, MD. She holds a Series 66 designation and has one year of experience at LPL Financial, along with prior roles at Tower Federal Credit Union and Bank of America. Outside of her advisory work, she owns US Clothing LLC, operating under the name Uniform Pro. 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 management services, utilizing both proprietary research and third-party strategies across various account types.

Joelle Gotimer is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2022. She has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked as an Associate Financial Planner at Financial Consulate from 2014 to 2016. In her role, Joelle partners with clients to organize and align their wealth as they work towards their lifetime and legacy goals. She serves as an advocate and resource, helping clients navigate Fidelity's offerings to find strategies tailored to their unique needs and objectives. Outside of her professional work, Joelle's personal interests include hiking, music, pets, and yoga.

Robert Carrozza is a Series 66 credentialed financial advisor with 15 years of industry experience. He has worked at J.P. Morgan Securities since 2026 and spent 18 years prior at Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a systematic, research-driven advisory process.