Michael Cammarata is a CFP® professional with 19 years of industry experience, currently serving at Mass Mutual Investors Services since 2017. He previously worked at MetLife Securities for 10 years. Outside of his advisory role, he is involved in a client healthcare consulting business operated jointly with his wife and coordinates age group activities related to updating game scores on a website. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering a collaborative approach that includes the use of firm-approved analytical tools and event-driven planning programs.

Connor Rebele is a financial advisor at Equitable Advisors with Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Vineyard Vines and Champion Teamwear, and he attended Loyola University Maryland. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, utilizing LPL-sponsored programs and third-party managers to provide a range of advisory and brokerage solutions.

Cullen Murray is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1993 after earning a Bachelor of Science degree in Finance from Towson University. He holds the Certified Investment Management Analyst® (CIMA®), Certified Private Wealth Advisor® (CPWA®), and Personal Investment Advisor (PIA) designations, and is a member of the Investments & Wealth Institute. Cullen provides professional services to entrepreneurs, not-for-profits, endowments, and foundation clients, assisting them in achieving their goals and missions. His expertise includes family wealth management strategies, institutional consulting, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, philanthropic planning, and individual and corporate investment strategy. A long-time resident of Annapolis, Cullen is involved in the community, serving as a board member and president of the Anne Arundel Community College Foundation and as a board member of the Friends of St. John's College. He has also served as a board member of the Anne Arundel Medical Center Foundation and as president and board member of Hospice Cup, Inc. In his personal time, Cullen enjoys boating, golfing, running marathons, scuba diving, surfing, swimming, and traveling.

Spencer Neal is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and has a longer history with Cambridge Investment Research, Inc dating back to 2008. Neal serves as a board member and chairman of the Baltimore Washington Medical Center Foundation and holds positions on several other nonprofit boards, including the Clemson Regional Board of Directors. He is also the owner and CEO of The Absolute Club, a golf membership travel business. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent professionals, using a variety of portfolio management approaches and platforms tailored to client objectives.

Thomas Hutcheson III is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Morgan Stanley since 2009, working at both Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. 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. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and methodologies such as Monte Carlo simulations.

Kwame Smith is a financial advisor with LPL Financial who holds a Series 66 designation and has 16 years of industry experience. Prior to joining LPL Financial in 2022, he worked at firms including CUNA Mutual Group, AXA Advisors, and Navy Federal Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers comprehensive financial planning, advisory programs, retirement consulting, and access to model portfolios and research from multiple sources.

Philip Verley is a financial advisor with Primerica Advisors in Lanham, MD, holding Series 63 and Series 65 licenses and nine years of industry experience. He has been with Primerica Advisors since 2017 and has worked with Primerica Financial Services since 2015. Outside of his financial advisory role, he operates a photography business. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm provides advisory services primarily through model-delivery strategies managed by third-party asset managers and supports trade execution and custody with established financial institutions.

William Cofer Jr. is a financial advisor with Primerica Advisors in Greenbelt, MD, holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Renee Green is a financial advisor with Ameriprise in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Ameriprise and its affiliate since 1997. Outside of her advisory role, she is involved in writing, film production, and owns multiple LLCs related to screenplays and documentary filming. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies delivered through a centralized consulting team.

Schekeeb Sidiqi is a financial advisor at Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 licenses with three years of industry experience. Prior to joining Wells Fargo, Sidiqi worked in real estate with TTR Sotheby's International Realty and BNI Realty. Outside of advisory work, Sidiqi teaches German at the German International School in Washington, DC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Angela Miller is a financial advisor at Edward Jones with one year of experience in the industry. She holds a Series 66 designation and has a background that includes various roles in education and hospitality. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard with a large national network of advisors and offices.

Samantha Long is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and 21 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate non-discretionary recommendations delivered through a centralized consulting team.

Jeffrey Hilwig is a financial advisor with Wells Fargo Clearing in Gaithersburg, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He 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 and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and incorporates modern portfolio theory, with a broad range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Alexander Roberts is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Prior to joining Fidelity, his work history includes positions at Evelyn Rose, Tipsy Cow, Belair Cantina, Lifetime Fitness, and Clarity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable gift funds and registered investment companies. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios using mutual funds, ETFs, and ETPs.

Thomas Howes is a financial advisor at Equitable Advisors with four years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2021. Prior to his advisory career, he held various roles including at Vintage Financial Partners and in other non-financial positions. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through multiple third-party programs. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Keith Lanzoni is a financial advisor with RBC Capital Markets in Annapolis, MD, holding Series 63 and Series 65 credentials and 45 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Outside of finance, Lanzoni is a self-employed musician and serves as a board member of the Annapolis Pickleball Club, where he advises on club programs and events. He also provides private pickleball instruction. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations, offering a range of advisory programs that combine in-house and third-party investment management with tailored portfolio strategies.

Salvatore Prisco is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials and one year of industry experience. His prior roles include positions at Stubbs LLC and Pompili DPM, as well as experience managing Trattoria del Mare da Salvatore. 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 across more than 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Daniel Phelan is a financial advisor with RBC Capital Markets in Annapolis, MD, holding Series 63 and Series 65 credentials and 30 years of industry experience. He has been with RBC Capital Markets Corporation since 2009. Outside of his advisory role, he teaches investment and retirement planning classes at College of Southern Maryland as a non-credit adult education instructor. 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 discretionary and non-discretionary portfolio management, tailoring strategies based on each client’s risk profile and utilizing both in-house and third-party investment managers.

Upinder Chandhok is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has worked at J.P. Morgan Securities LLC and JP Morgan Chase Bank since 2020, with prior experience at SunTrust and PNC Investments. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers non-discretionary advice through a select group of Wealth Advisors and offers access to a broad range of investment strategies and products.

Nury Hyre is a financial advisor at LPL Financial with seven years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Citibank. Hyre is also affiliated with Tower Federal Credit Union, where she is involved in investment-related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.