Nicole Harper is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In this role, she focuses on understanding the financial perspectives of her clients and helping them define their financial goals and avoid potential pitfalls. She utilizes timely insights and the resources available at Fidelity to create a collaborative approach to financial planning. Nicole has over a decade of experience in the financial services industry. Prior to her current role, she was an Investment Consultant at Fidelity Investments from 2021 to 2022. She also worked as a Premier Banker at Truist from 2017 to 2021. Her earlier experience includes positions at PNC, where she served as a Financial Specialist II from 2015 to 2017, a Financial Sales Consultant from 2012 to 2015, a Customer Service Associate from 2011 to 2012, and a Peak-Time Teller from 2010 to 2011.

Hunter Leed is a financial advisor with OSAIC, holding a Series 66 designation and two years of industry experience. Prior to joining OSAIC, he worked at Lincoln Financial Advisors Corporation and has a background that includes service with the United States Coast Guard. Outside of his advisory role, he is also involved as an insurance agent with Mylestone Plans, focusing on a variety of insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a broad network of advisors. The firm offers a range of financial services and employs various investment tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Matthew Herbert is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he began his career as a Financial Advisor in January 2003. He works with affluent families, accomplished professionals, and successful business owners, providing goals-based wealth management supported by a team of specialists. Matthew focuses on cultivating long-lasting client relationships through customized advice, disciplined investing, and exceptional service. His areas of expertise include education planning, employee benefits planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, and retirement income. Matthew holds multiple professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s degree from Fort Lewis College with a focus in Eco-Psychology. Matthew is involved with the Boys and Girls Club of Harford and Cecil County. Outside of work, he spends time with his wife and daughters, often attending their lacrosse and field hockey games as well as their performances. He has interests in boating, camping, cooking, football, hiking, music, skiing, swimming, and traveling.

Nikolaos Kostakis is a financial advisor with J.P. Morgan Securities in Nottingham, MD, holding Series 63 and Series 66 designations and six years of industry experience. His prior roles include positions at Bank of America/Merrill Edge, T. Rowe Price, and New York Life Insurance. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Stephanie McClenny is a financial advisor with Wells Fargo Advisors in Bel Air, MD, holding a Series 66 designation and eight years of industry experience. She worked at Merrill from 2013 to 2020 before joining Wells Fargo Advisors, where she has been since 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, utilizing proprietary research and tools to develop customized recommendations.

Daniel Rambow is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at MBGC, LLC and Bank of America, N.A. He has also held various positions in educational settings, including at the University of Tennessee-Knoxville and several schools in Maryland. 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.

Max Davis is a Financial Consultant currently working at Fidelity Investments since 2020. He has been with Fidelity Investments since 2013, serving in various roles including Investment Consultant from 2015 to 2020 and Financial Representative from 2013 to 2015. Prior to that, he worked as a Financial Specialist at Nationwide from 2009 to 2013. His professional experience encompasses financial consulting and investment advising, with a focus on creating financial plans tailored to the unique goals, priorities, family situations, hobbies, and investment experiences of his clients. Max emphasizes the importance of individualized financial planning to help clients achieve comfortable and worry-free financial outcomes. Outside of his professional work, Max enjoys board games, cooking and baking, family activities, football, social events with friends, and music.

Hugh Mc Carthy is a financial advisor with Edward Jones in Bel Air, MD, holding the ChFC®, Series 63, and Series 65 designations and bringing 28 years of industry experience. Prior to joining Edward Jones in 2017, he worked at F.N.B. Corp and was involved with Team Beachbody. Outside of his advisory role, he is a member and owner of an investment company focused on office property in Marshfield, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets with a large network of advisors and branch offices, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Brenda Fried is a financial advisor at Edward Jones with six years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2019. Prior to that, she was involved with Harbor Bay Properties, LLC, where she participated in real estate investing and property renovation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, investment options, and fiduciary services supported by a nationwide network of over 23,700 advisors.

Sean Williams is a Certified Financial Planner® with 20 years of industry experience, currently advising at Cambridge Investment Research Advisors since 2016. He is a board member of Redeemer Classical Christian School. Sean also holds a role as a wealth advisor at Sojourn Wealth Advisory LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations, through a broad range of financial planning and investment management services. The firm offers tailored strategies via multiple platform arrangements and provides both proprietary and third-party model solutions.

Philip Buchanan is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2007 and has been involved with several related financial and insurance businesses since the mid-1990s. Additionally, he has served in the United States Army Reserve since 1986. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and other clients through a network of independent Financial Professionals. The firm offers financial planning, investment management, and retirement plan advisory services using a range of portfolio management strategies and platforms.

David Demuth is a financial advisor with Equitable Advisors in Towson, MD, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. He serves on the admissions committee and board of governors for the Maryland Club. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm employs a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage channels to meet diverse client needs.

Kevin Glatz is a Series 66 licensed financial advisor with Merrill in Bel Air, MD, and has 3 years of industry experience. He has been with Merrill since 2005. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Daniel Wheeler Jr. is a Series 66 registered advisor with 12 years of industry experience, currently with LPL Financial since 2025. His prior experience includes roles at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and New York Life Securities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Nicole Kalinosky is a financial advisor at UBS Financial Services with 24 years of industry experience. She has been with UBS since 2009 and holds a Series 66 designation. Outside of her advisory role, she is involved with St. Stephen Roman Catholic Church and participates in providing Juice Plus+ products to interested individuals without solicitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Angela Shrewsberry is a financial advisor at Raymond James Financial with 10 years of industry experience. She previously worked at Merrill Lynch for five years and Harford County Public Schools for three years. Outside of advising, she holds an associate position at Crescendo Financial Group LLC, focusing on administrative duties. 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 entities. The firm offers tailored, non-discretionary planning and employs analytical tools to support its recommendations, while also maintaining specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Stephanie Cassedy is a financial advisor with Osaic who holds a Series 66 designation and has 16 years of industry experience. She previously worked at Lincoln Financial Securities for 17 years before joining Osaic in 2025. Cassedy also operates a sole proprietorship offering traditional life insurance products, including equity-indexed and fixed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation and risk-assessment tools to construct portfolios across a broad range of investment vehicles, managed on discretionary or non-discretionary bases.

Ryan Green is a Series 66 licensed financial advisor with Stifel in Bel Air, MD, where he has worked since 2020. He has five years of industry experience, including prior roles at Concrete General and ATI Physical Therapy. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Tricia Mauck is a financial advisor at Merrill with 25 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1995. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joseph Fuggi is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Robert W. Baird since 2009. Fuggi serves as a Finance Committee Member for the nonprofit Mission Helpers of the Sacred Heart, where he reviews budgets, fundraising projects, and evaluates outside money managers. Robert W. Baird & Co.’s DDK Group provides wealth management services to individuals, corporate clients, pension and profit-sharing plans, and charitable organizations, offering a range of financial planning, portfolio management, and custody services supported by internal research and ongoing manager monitoring.