Jeffrey Motsco is a CFP® professional with 33 years of industry experience, currently affiliated with Cetera. His prior roles include positions at VOYA Financial Advisors and operating his own firm, Motsco Financial And Insurance, for 30 years. He serves as treasurer of the Columbia Business Exchange, a networking group, and is president of the Linden Grove Homeowners Association. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Callum Redman is a financial advisor at Raymond James Financial Services Advisors, Inc. with a Series 66 designation and three years of industry experience. He has worked with Richard Wagener and Wagener-Lee LLC since 2022 and has prior experience at Salisbury University and Howard Community College. Redman is also involved in administrative duties for Richard Wagener’s support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports a large advisor network with specialized services such as municipal advising and SIMPLE IRA Employer Advisory programs.

Bokah Worjoloh is a financial advisor with Primerica Advisors in Reisterstown, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Primerica Financial Services since 2003 and has a background in commercial construction from 2014 to 2017. Worjoloh also owns Worjoloh Financial Solutions Corp., an entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered percentage-based wrap fee structure.

Omar Jennings IV is a Series 66-licensed financial advisor with Equitable Advisors in Columbia, MD, where he has 16 years of experience. Before Equitable Advisors, he worked at AXA Advisors LLC for 10 years. Outside of his advisory role, he is the sole member of Hudson Thomas LLC, a business entity unrelated to investment activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management. The firm’s approach involves matching clients to appropriate program models or discretionary managers, utilizing both proprietary and third-party solutions delivered through a network of advisers.

Raymond Sutton is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and beginning his career in 2025. His prior work includes roles at Turf Valley Resort, Towson University, and community organizations such as the Elkridge Youth Organization. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and various asset management programs, utilizing both in-house and third-party managers to tailor investment solutions.

Khalila Taji Brokos is a financial advisor at LPL Financial with nine years of industry experience. She holds the Series 63 and Series 66 registrations and previously worked at M&T Securities and Charles Schwab. 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, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Deren Reid is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Citigroup Global Markets and Legg Mason Wood Walker. Reid has been with Fidelity and its affiliated entities since 2010. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and may delegate management to sub-advisers while maintaining oversight controls.

Amber Rizer is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015. 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.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at OneMain Financial and Bank of America. 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.

Kaitlyn Manning is a financial advisor with LPL Financial in Catonsville, MD, holding Series 63 and Series 66 credentials and bringing eight years of industry experience. Her prior roles include positions at Cetera Advisor Networks, Minnesota Life Insurance Company, and Massmutual, among others. 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, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Joseph Mondell is a financial advisor at Ameriprise with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James, T. Rowe Price, and Cavanal Hill. Outside of his advisory role, he serves on the boards of several nonprofit organizations in Baltimore, including The Education Foundation of Baltimore County Public Schools, League of Dreams, and Katz Music Center. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients with significant investable assets and delivers these services through a centralized consulting team in partnership with its financial advisors.

Thomas Bowman is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include a decade at Avantax Advisory Services and 35 years as president of Bowman & Company, CPA, PC. He serves on the board of directors and as treasurer for Small Business Awards Week, Inc. Ameriprise offers retirement-income planning services aimed at individuals with substantial investable assets, delivering written recommendations on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to tailor plans, primarily for clients holding assets in Ameriprise-managed accounts.

Schimri Yoyo is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, Schimri partners with clients to help them identify opportunities and progress toward their financial goals, focusing on simplifying investing through education and empowerment. Prior to joining Fidelity Investments, Schimri held positions as a Financial Planner at Bridgemark Wealth Management from 2019 to 2020, a Financial Advisor at Delaware Valley Advisors from 2018 to 2019, and a Registered Representative at Foresters Financial from 2016 to 2018. Schimri holds a California Insurance License. Outside of professional responsibilities, Schimri has interests in football, movies, music, reading, and writing.

Scott Cannon is a financial advisor at Raymond James Financial with 11 years of industry experience. He holds a Series 66 designation and is based in Ellicott City, MD. In addition to his advisory work, he owns Chesapeake Tax Services, LLC, which provides tax preparation services. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized services, including municipal and public finance advisory.

Eric Graffe Ostos is a Financial Consultant currently working at Fidelity Investments. He has held various roles within Fidelity, including Investment Consultant in 2024 and High Net Worth Service Associate from 2022 to 2024. Prior to joining Fidelity, Eric was a Financial Adviser at Edward Jones Investments from 2019 to 2021. His professional experience spans multiple facets of financial consulting, focusing on creating tailored financial plans that align with clients' unique goals and aspirations. Eric aims to simplify financial concepts and empower clients to feel optimistic about their financial futures. Outside of his professional work, Eric has interests in art, soccer, and traveling.

Aaron Shapo is a Series 66 licensed financial advisor with Equitable Advisors in Columbia, MD. He joined the firm in 2025 and has prior experience working with Communities First Inc. and the Bender JCC of Greater Washington. He also held various roles during his time at Michigan State University. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, often utilizing third-party asset managers and advisory programs.

Eli Ben Zev is a Series 66-licensed financial advisor with 16 years of industry experience. He is currently with LPL Enterprise and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Morgan Stanley. He is involved part-time in selling health insurance through the Maryland Health Exchange and acts in a fiduciary capacity for individual clients. LPL Enterprise provides investment advisory and brokerage services to a broad client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers access to third-party asset managers, financial planning, and insurance product sales through affiliated entities.

Denny Aguilar is a financial advisor with Merrill based in Ellicott City, MD. He holds a Series 66 designation and has five years of industry experience. Prior to joining Merrill, he worked at Bank of America and Citibank. Merrill 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, and institutional investors.

Pamela Nehemia is a financial advisor with Wells Fargo Advisors in Marriotsville, MD, holding a Series 66 license and two years of industry experience. Her prior roles include work at the Stoler Early Learning Center and time spent as a homemaker and stay-at-home mom. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, with recommendations supported by Wells Fargo research and planning tools.

Ravindra Dixit is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 66 registrations and bringing 21 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, he is involved in independent insurance brokering and owns a consulting business, Mana Consulting Inc. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies through a centralized consulting team.