Ryan Raitzyk is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 registrations and five years of industry experience. He has worked at Cambridge Investment Research Advisors and its affiliated entities since 2023 and previously was employed at Christopher J. Seling and Associates, Inc. as well as in accounting. Outside of advising, he provides tax services as a sole proprietor. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, and retirement-plan advisory through multiple platforms and proprietary model strategies.

Steven Goldberg is a financial advisor at OSAIC with 34 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Lincoln Financial Advisors, SunTrust Advisory Services, and Truist Investment Services. Outside of his advisory role, Goldberg serves as a notary public. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of managed account solutions delivered through a multi-advisor platform.

James Jaderborg is a financial advisor with Cetera, holding the ChFC® designation and a Series 66 license, with 16 years of industry experience. He has held positions at several firms, including Elevation View Wealth Partners, LLC, North Star Resource Group, and Securian Financial Services. Jaderborg serves on the advisory board of Stop Alzheimers Now and is president of Booking Freedom AI, LLC. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform, with over 10,000 advisors and approximately $256 billion in assets under management.

David Hemler is a Series 66-licensed financial advisor with LPL Financial in Westminster, MD, where he has worked since 2009. He has 26 years of industry experience, including prior roles at PNC Wealth Management, Mercantile Brokerage Services, Inc., and Raymond James Financial Services, Inc. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Brad Schwartz is a financial advisor with Ameriprise in Baltimore, MD, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he owns B Squared Capital, an LLC unrelated to Ameriprise investments. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement who meet specified asset criteria. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

Nicholas Cascarino is a financial advisor at Edward Jones with seven years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Edward Jones in 2019, he worked in various roles including at Longhorn Steakhouse and Candoris, and had teaching engagements at Shippensburg University. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

James Adair III is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 24 years of industry experience. He previously worked at Northwestern Mutual in various roles from 2002 to 2019 before joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, utilizing both model portfolios and customized strategies.

Nolan Walchko is a financial advisor at OSAIC with two years of industry experience and holds a Series 66 designation. His prior roles include positions at Lincoln Financial Advisors, StoneBridge Advisors, and Harborside Group, as well as experience at Loyola University Maryland. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supported by a range of discretionary and non-discretionary strategies, and is notable for its scale and complex affiliate network.

David Hedrick is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His work history includes roles at PFS Investments Inc. since 2017 and prior experience at Smith Bus Service. Outside of advising, he is involved in the sale of non-investment related products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven strategies developed by unaffiliated asset managers and supports accounts with BNY Mellon Advisors and Pershing, focusing on advisory services delivered at scale through its network of financial advisors.

Ryan Henry is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2024, he held teaching positions at St. Mary's College of Maryland, McDaniel College, Mount St. Mary’s University, and River Hill High School. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Brown is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Compass Group USA, Inc. and Avendra, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Randolf Scritchfield is a CFP® with 42 years of experience in the financial services industry. He is currently with OSAIC and has previously worked at Securities America Advisors and Montgomery Financial Group, where he serves as president. Outside of his advisory work, he holds volunteer leadership roles with the Million Dollar Round Table, the Gaithersburg-Germantown Chamber of Commerce, and the Mid Atlantic Federal Credit Union. OSAIC Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering both brokerage and advisory services. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization with a range of customizable strategies and third-party manager options.

James Arey III is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2005 and concurrently with Northrop Grumman Corporation since 2004. Outside of his advisory role, he is the owner of Game On, Inc. and serves as a field manager for the Kickball League of Baltimore. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-based strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers, using BNY Mellon Advisors for model implementation and Pershing and Primerica Brokerage Services for custody and trade execution.

Michael Lentz is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 66 licenses and 17 years of industry experience. His prior roles include positions at Pruco Securities LLC, The Prudential Insurance Company of America, M & T Securities, Inc., and MSI Financial Services, Inc. Outside of his advisory work, he is involved in snow removal services during winter months. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies across various asset classes.

Gary Wright is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. He worked at Janney Montgomery Scott for a decade before joining LPL Financial and operating Retirement & Investment Group LLC, a related entity. 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 advisory and brokerage services, including financial planning and model portfolio programs, supported by technology tools and a large network of advisors.

Mark Kutz is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Cetera and its affiliates since 2016. He is also an agent for fixed insurance products, including life, health, annuities, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting discretionary and non-discretionary account structures.

Christin Shifflett is a financial advisor at LPL Financial with six years of industry experience. She holds a Series 66 designation and has held previous roles at Lord Abbett Distribution and 24 Hour Fitness. Outside of her advisory practice, she owns and operates several children’s fitness centers in Maryland. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by technology tools for operational and research purposes.

Nicole Treiber is a Series 66-licensed financial advisor at Osaic with nine years of industry experience. She previously worked at XML Financial, LLC and XML Securities, LLC (formerly Lara, May & Associates, LLC). Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, Unified Managed Accounts, and retirement plan consulting. The firm’s investment approach relies on model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Kimberly Grelli is a financial advisor at RBC Capital Markets with 9 years of industry experience. She holds Series 63 and Series 65 designations and has worked at City National Bank since 2021, in addition to her ongoing role at RBC Wealth Management since 2012. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers and model providers.

Ashlyn Hood is a financial advisor at Edward Jones with 24 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked with Jemma Investment Advisors LLC and MS Howells & Co. Hood also owns rental property in Baltimore, MD. Edward Jones is a full-service wealth management firm that serves more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.