Kenneth Graves is a financial professional at Cetera with over 32 years of industry experience. He has held roles at multiple firms, including Avantax and 1ST Global Advisors, and currently operates Paved Wealth Partners, LLC. Graves is also affiliated with NL Healthcare Advisory Accounting & Tax LLC, a CPA firm serving as the sponsor for the Avantax relationship. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, providing services to individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with extensive program options and over $256 billion in assets under management.

Christopher Brazfield is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2012 and also has concurrent experience with the Department of Defense since 2011. Outside of his advisory role, Brazfield has involvement in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, operating at scale with nearly 3,700 advisors and $15.5 billion in assets under management. The firm’s program emphasizes model-based investment strategies overseen by third-party managers and focuses on individual investors rather than institutional clients.

Michael Peters is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 30 years of industry experience. His prior roles include senior positions at Avantax Advisory Services, 1st Global Advisors, and managing his own accounting firm, Michael G. Peters, PA, since 1988. His background includes both investment advisory and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and nonprofits. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Regis Breen is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Heritage Consultants. Outside of his advisory role, Breen serves as Vice President of Business Development at Brad Schwartz Wealth Management LLC and occasionally speaks to graduating students at Towson University about entering the workforce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines proprietary research and algorithmic tools to deliver tailored, tax-aware retirement advice within a defined investment framework.

David Vogelsang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Starry Associates, PFS Investments Inc., and Primerica Financial Services. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management via 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 for its services.

Ryan Fabian is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at multiple firms including M&T Bank, World Equity Group, and Wealthvest. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Jason Koval is a CFP® and holds a Series 65 license with one year of industry experience. He is currently with LPL Financial and has held prior roles at firms including Thompson Wealth Solutions, Elite Income Advisors, Red Oak Financial Group, Baltimore-Washington Financial Advisors, and Ameriprise Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, third-party research, and various management strategies.

Christopher Yingling is a financial advisor with RBC Capital Markets in Westminster, MD, holding Series 63, Series 65, and Series 66 licenses and bringing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Yingling serves on the Carroll Community College Planned Giving Committee, advising on fundraising strategies. 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 customizable portfolio management strategies that incorporate in-house and third-party investment managers and tax-management options.

Gregory Gann is a financial advisor with LPL Financial in Baltimore, MD, holding Series 66 and Series 63 credentials with 31 years of industry experience. He has been with LPL Financial since 2005. In addition to his advisory role, he is a licensed attorney in Maryland and is involved in mediation and litigation support services, as well as freelance writing for Proactive Advisor Magazine. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and technology-driven strategies.

Patrick Gibbons is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. Prior to joining LPL in 2019, he worked for Northwestern Mutual in various capacities from 2003 to 2019. He serves as finance committee chairperson for Emory Church and is involved with nonprofit boards including the Construction Finance Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and technology-enhanced strategies.

Joshua Rivlin is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 16 years of industry experience, including roles at LPL Financial and managing his own firm, The Rivlin Group PC, where he provides tax preparation and accounting services. He is also involved as an independent insurance agent and has participated as a speaker promoting the Xero brand to accountants and bookkeepers. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through a network of independent Financial Professionals. The firm offers comprehensive financial planning and investment management services with multiple portfolio management options, proprietary and third-party model strategies, and a combination of discretionary and non-discretionary implementations tailored to client objectives.

Matthew Larson is a CFP® and holds a Series 66 license, with eight years of experience in the financial industry. He is currently with OSAIC and previously worked at StoneBridge Advisors and the University of Maryland College Park. OSAIC serves a wide range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to various investment platforms, utilizing asset-allocation tools and risk assessment to manage diversified portfolios.

Frank Eilbacher is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses with eight years of industry experience. His work history includes roles at Cornell Technical Services, PFS Investments, Inc., Primerica Financial Services, Inc., and GDIT. He is also involved in the sale of non-investment products through affiliates of PFS Investments Inc., including loan products and home-related services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-driven investment strategies supported by third-party asset managers and custodians.

Paul Chisholm is a financial advisor with Edward Jones in Catonsville, MD, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. Prior to joining Edward Jones in 2019, he worked at firms including AXA Advisors LLC, Merrill Lynch Pierce Fenner & Smith Inc, Bank of America NA, Wells Fargo Clearing Services LLC, and BB&T Investments. Outside of his advisory role, he is involved with Elev8 youth sports as a coach and commissioner and is a member of the Greater Catonsville Chamber of Commerce. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a nationwide network of more than 23,700 advisors. The firm offers a range of advisory programs and investment options, operates under a fiduciary standard, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Michael Welsh is a CFP® professional with over 36 years of experience at Welsh Financial & Accounting Services, LLC in Sykesville, MD. He has specialized in both accounting and financial advisory services throughout his career. Welsh Financial & Accounting Services, LLC operates primarily as an accounting firm that also offers registered investment advisory services to a limited client base. The firm emphasizes individualized financial planning and uses fixed-fee and hourly-fee billing arrangements rather than asset-based fees.

Steven Bass is the sole advisor at Steve Bass & Associates, Inc., an independent firm based in Reisterstown, MD. He holds Series 63 and Series 65 licenses and has 22 years of industry experience. He has worked at Steve Bass & Associates since 2002. Steve Bass & Associates serves clients with independent financial advisory services.