Lisa Fulco is a CFP® and ChFC® professional with 27 years of industry experience. She is currently with Allworth Financial, L.P., and previously held roles at Morgan Stanley and TIAA-CREF. Outside of her advisory work, she serves as Treasurer for the Graham Equestrian Center, a nonprofit focused on public involvement in horseback riding, and is a board member for the Ma and Pa Heritage Trail project in Harford County. Allworth Financial is an SEC-registered, fee-based adviser that serves individuals, qualified retirement plans, trusts, estates, and corporate clients. The firm employs customized portfolio strategies including core-satellite, index allocations, and options-based overlays, and accesses held-away employer retirement accounts via proprietary technology.

Onyekachi Okoroafor is a financial advisor at HB Wealth Management with Series 63 and 65 licenses and one year of industry experience. Prior to joining HB Wealth, he worked at Huge Inc., IA Collaborative, and ZS Associates. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a combined quantitative and qualitative due diligence process across various public and private investment strategies and offers services such as outsourced chief investment officer (OCIO) and institutional advisory solutions.

Sean Somerville is a financial advisor at Independent Financial Partners with 17 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Realta Investment Advisors. Outside of his advisory role, he owns Somerville Investments, a separate business focused on comprehensive financial planning and portfolio management. Independent Financial Partners serves a nationwide network of independent advisors, managing over $12.5 billion in assets. The firm offers a decentralized advisory model with notable retirement-plan advisory and pension consulting services.

Andrew Rutherford is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and previously worked at Morgan Stanley from 2016 to 2022. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and supports municipal clients and institutional investors through specialized divisions.

David Frank is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial services industry, having previously worked at Legg Mason, Deutsche Bank, and Morgan Stanley Smith Barney before joining Merrill in 2013. His responsibilities include portfolio management, wealth planning, and client development. David's expertise encompasses areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) designations. David graduated in 1997 from Mount Saint Mary's University with a bachelor's degree and earned his MBA from Loyola University in 2001. He currently resides in Ruxton with his wife Emmie, their son Connor, daughter Abby, and dog Gus. He serves on the board of the Greater Ruxton Area Foundation. His personal interests include cooking, golfing, skiing, and spending time with his family.

Jonathan Wheeler is a financial advisor at Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation with 11 years of industry experience. His prior work includes roles at Bank of America, Merrill, and multiple positions within Morgan Stanley and its related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Carole Leitgeb is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and 18 years of industry experience. She previously worked at Lincoln Financial Advisors, Ameriprise Financial Services, and Resource 1, Inc. Her activities include involvement with Academy Financial, Inc., related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Joseph Browning is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. Joseph holds a Bachelor's Degree from McDaniel College and has earned professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He works closely with clients to develop personalized financial strategies aligned with their unique goals, emphasizing simplicity and transparency throughout the wealth planning process. Outside of work, Joseph enjoys cooking, golfing, and spending time with his family.

David Grabner is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior work includes roles at Grove Point Investments, Grove Point Advisors, H.P Executive Group, and H. Beck, Inc. Outside of his advisory work, he is involved with a farm business in Glen Arm, MD. LPL Financial serves individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Zachary Garber is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2016. He is based in Hunt Valley, MD, and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is the CEO of Charm City Dreamers LLC, a podcast focused on interviewing Baltimore residents about how they have actualized their dreams. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting on a non-discretionary basis, combining extensive research and an affiliate network to support integrated custody, product sourcing, and public finance services.

Patrick Hurdle is a financial advisor at Mass Mutual Investors Services with credentials including Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Mass Mutual Investors Services, he worked at JP Morgan and Northwestern Mutual. Outside of advisory work, he is also engaged in outside insurance sales as an insurance broker. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved analytical tools to support annual, collaborative client engagements.

Richard Zink is a financial advisor at Robert W. Baird & Co. in Towson, MD, with 45 years of industry experience. He has been with Robert W. Baird since 2009 and holds a Series 63 designation. He is part of The DDK Group, a team within Baird’s Private Wealth Management department that serves individuals, corporate and business clients, pensions and profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, utilizing internal research and a combination of manager-traded and model-traded strategies.

Sarah Santeufemio is a CFP® professional with 18 years of industry experience, currently serving at Mass Mutual Investors Services since 2018. Her prior roles include positions at Eagle Strategies (NY Life) and PNC Investments. She is also involved in individual and group life, health, long-term care, disability insurance, and fixed annuities sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

John Beynon is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Equitable Advisors. His prior roles include positions at Stifel Independent Advisors, City National Bank, and RBC Capital Markets Corporation. Beynon is also involved in family estate and wealth planning entities. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and other endorsed platforms.

Tanner White is a financial advisor with Edward Jones in Aberdeen, MD, holding Series 65 and Series 66 credentials. He has four years of military service in the United States Army and began his career at Edward Jones in 2025. Prior to that, he worked briefly with Ripken Baseball and studied at the University of Southern California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a nationwide network of more than 23,000 financial advisors.

Andrew Hahn is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2020. His previous experience includes roles at Bank of America and Merrill. He is also the majority owner of HAHN GP, LLC, a separate business based in Cockeysville, MD. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. The firm delivers tailored recommendations using proprietary research and planning tools, integrating advisory services with other financial products and referral channels.

David Waite is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He serves as treasurer for the Greater Summer Hill Association, a community organization in Phoenix, MD. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and tailored recommendations supported by Wells Fargo research and tools.

Nicholas Mac Lellan is a Series 66-licensed advisor at Merrill with two years of industry experience. He has been with Merrill since 2022 and has previously held roles at various organizations including the Kennedy Krieger Institute and the University of Maryland, Baltimore County. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Eric Mc Intyre is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Cambridge Investment Research Advisors and has prior experience at firms including OSAIC, Securities America, and Morgan Stanley. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and platform options.

Leigh Ritchey is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Valic Financial Advisors and Agia. He serves as Director of Young Professionals for the Baltimore Chapter Society of Financial Service Professionals. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services with a variety of investment and portfolio management solutions.