Howard Kleinman is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company for 28 years, followed by roles at Mass Mutual Investors Services and MassMutual Life Insurance Co. Kleinman is also involved in non-variable insurance sales as a sole proprietor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of investment and financial planning solutions through a large network of advisors, supported by proprietary research and technology tools.

Kristen Benner is a financial advisor with Merrill in Baltimore, MD, holding Series 65 and Series 66 credentials and 18 years of industry experience. She has been with Merrill since 2009 and has worked at Bank of America N.A. since 2002. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Alex Digirolamo is a financial advisor at Primerica Advisors with a Series 65 credential and seven years of industry experience. He has held roles at Primerica Advisors since 2018 and is currently associated with DiGi Financial. Outside of his advisory work, he is involved in non-investment related referrals for home security and automation products and holds a partnership in Next Gen Ventures LLC. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading responsibilities to BNY Mellon Advisors.

Karl Weber is a Series 66-licensed financial advisor with Merrill, based in Dundalk, MD, with nine years of industry experience. He has been with Merrill and its affiliate Bank of America since 2014. Outside of his advisory role, he works part-time at a local bike shop, assisting customers with purchases and minor repairs. Merrill, along 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 plans, corporations, and charitable organizations.

Ryan Wentworth is a CFP® professional with 13 years of industry experience, currently affiliated with Raymond James Financial. He previously worked at Bank of America and Merrill. Wentworth also owns Wentworth Financial Group, a non-investment-related business based in Severna Park, MD. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Stephen Schad is a financial advisor with Ameriprise in Edgewater, MD, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Schad also engages in fiduciary activities as an attorney-in-fact (power of attorney). Ameriprise offers a retirement-income planning service designed for clients with significant investable assets, utilizing a combination of research, modeling, and tax-efficient strategies to provide personalized, non-discretionary recommendations primarily for individuals approaching or in retirement. The firm delivers a wide range of advisory, brokerage, and insurance solutions through its institutional platform.

Victor Roy is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Morgan Stanley in various capacities since 1998, with a tenure at UBS Financial Services from 2013 to 2022. Outside of his advisory role, Roy serves as a board member of the Brian Westbrook Foundation, an education-focused nonprofit. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, delivering tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and analytical models.

Kameliya Nikolova is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) designation, reflecting her expertise in retirement planning strategies. Kameliya earned her Bachelor's Degree from the American University in Bulgaria. Her role involves providing clients with tailored financial advice and retirement planning solutions.

Michelle Oosterwijk is a financial advisor at Morgan Stanley in Baltimore, MD, with six years of industry experience and a Series 66 designation. She has been with Morgan Stanley since 2020, including a role at Morgan Stanley Private Bank, N.A. since 2021. Outside of her advisory work, she serves on the Towson University College of Business & Economics Advisory Board, providing guidance to support the institution’s educational mission. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, utilizing structured financial planning tools and a comprehensive investment approach. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

Darrell Mitchell is a financial advisor at Fidelity with two years of industry experience. Prior to joining Fidelity, he worked at Merrill and spent eight years at IKEA. He holds the Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios comprising mutual funds, ETFs, and ETPs.

George Galster is a financial advisor with Ameriprise, holding a Series 66 designation and 22 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of his advisory role, he serves as Treasurer on the Board of Directors for Communities United Against Hate, a nonprofit organization. Ameriprise offers retirement-income planning services tailored for individuals approaching or in retirement, focusing on tax-smart withdrawal strategies and Social Security options. The firm combines research and modeling with advisory services and provides a range of brokerage and insurance solutions through its affiliated companies.

Evan Carter is an Investment Consultant at Fidelity Investments, a role he has held since 2024. He has been with Fidelity since 2022, initially serving as a Relationship Manager before transitioning to his current position. Prior to joining Fidelity, Evan worked in various financial roles, including Mortgage Consultant at Newrez from 2021 to 2022, Premier Banker at Wells Fargo from 2017 to 2021, and Personal Banker at Wells Fargo from 2012 to 2017. Evan's approach to financial planning emphasizes understanding the client's priorities to build personalized plans that address lifetime and legacy goals. He supports clients in navigating their financial journeys with clarity and confidence. Outside of his professional work, Evan's personal interests include family activities, gardening, golf, and parenthood.

Joseph Johnson is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2013. His professional credentials include Series 63 and Series 65 licenses. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutional and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by various portfolio management styles and affiliated research.

Robert Moreland is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. He has worked at Wells Fargo Advisors since 2012 and previously held positions at Merrill, Banc of America Investment Services, Citigroup Global Markets, Citicorp Investment Services, M&T Securities, and Truist Investment Services. Outside of his advisory role, he is a 6% owner of Indiantown Farm Inc., involved in farming activities in Chaptico, MD. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Hanah Rumpler is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and one year of industry experience. She has additional work experience as a part-time bookkeeper and food policy consultant at Food Directions, her mother's company. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research-driven investment approaches and provides both brokerage and advisory solutions.

Timothy Keffer is a CFP® with 12 years of industry experience, currently affiliated with LPL Financial. He previously worked for Raymond James & Associates for 12 years. Outside of advisory work, he owns and manages Harpoon Investments, LLC, where he handles general accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jeffrey Shapiro is a financial advisor at Edward Jones in Pasadena, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones in 2024, he was involved with Spindle Fitness LLC for nine years. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Robert Wehman is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and analytical models.

Katrina Hawkins is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. Her work history includes roles at PFS Investments Inc., Peraton, and Northrop Grumman. She is the owner of Katrina Hawkins LLC, a business consulting firm focused on IT services. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through Pershing, managing approximately $15.5 billion in assets with a network of nearly 3,700 advisors.

Viren Chadha is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized strategies that align with their unique financial goals and life milestones. His approach emphasizes understanding each client's priorities to provide tailored advice and support. Viren's expertise includes college education planning, retirement income, portfolio management, small business strategies, socially responsible investing, and more. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned two bachelor's degrees in Financial Economics and Business Management from the University of Maryland Baltimore County. In addition to his professional work, Viren is involved in his community as a volunteer with Laurel Fire Station 10, serving as an EMT aid. His personal interests include biking, cooking, golfing, and pickleball.