Carol Staniar is a Financial Advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a range of capital markets activities.

James Vermilye is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2020. Prior to joining Morgan Stanley, he worked at Robert Baird & Co. from 2012 to 2020. Vermilye holds several nonprofit board roles, including treasurer positions and investment committee membership with organizations such as the Mid Shore Community Foundation, Chesapeake College Foundation, and BAAM. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning processes supported by firm-approved tools, serving clients through both direct engagements and employer-based financial planning agreements.

Terry Morris is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Primerica Advisors, he worked at PFS Investments Inc. and spent over three decades at the U.S. Department of Agriculture. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

David Donnelly is a financial advisor at LPL Enterprise with 26 years of industry experience. He holds the Series 66 designation and has worked previously at SunTrust Advisory Services, Prudential Insurance Company of America, and Pruco Securities LLC. Outside of advising, he is involved in Prudential Sponsored Non-Variable Insurance activities. LPL Enterprise serves a diverse client base that includes individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to various investment and insurance products through an integrated platform combining advisory programs with brokerage and insurance sales.

Jackson Ruckman is a financial advisor with LPL Financial based in Edgewater, MD. He holds a Series 66 designation and has one year of industry experience. Prior to joining LPL Financial, he worked in education for eight years and has served as an assistant varsity boys soccer coach at St. Mary’s High School. 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 financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Matthew Horton is a financial advisor with Cetera and holds the CFP® and Series 66 credentials. He has seven years of industry experience, including roles at Avantax Advisory Services and Palumbo Financial and Tax Services, where he is a partner. Outside of his advisory work, he is involved in tax preparation, accounting, and bookkeeping services through his role in Palumbo Financial and Tax Services, which is transitioning to Rowhouse Financial Partners. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, and institutional clients. The firm offers a range of portfolio management and financial planning services, allowing advisors to utilize both affiliated and third-party strategies across various program structures.

Melissa Caprice is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has previously worked at Geometric Wealth Advisors, Scarborough Capital Management, Independent Financial Group, Ameriprise, and Online Trading Academy. Outside of her advisory role, she is a proprietor of an investment property in Canada. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

Kenan Sahin is a financial advisor at Merrill with Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Merrill and Bank of America in 2026, he worked at T. Rowe Price for six years and has experience in the hospitality sector with The Ritz Carlton Hotel Company. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm offers a variety of model-based and discretionary investment strategies implemented by Managed Account Advisors LLC, integrated within Bank of America’s wider platform.

Aaron Goodman is a financial advisor with Primerica Advisors in Annapolis, MD, holding Series 63 and Series 65 licenses and having two years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 2023. Prior to his financial services career, he spent eight years at Washington College. Outside of advising, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options to individual and high-net-worth clients. The firm uses third-party asset managers and maintains authority over model selection, operating on a tiered wrap fee structure.

Patricia Beaver is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and bringing 16 years of industry experience. Her prior roles include positions at Lee Financial Group and Raymond James Financial Services. She also operated her own advisory practice from 2015 to 2017. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, with a focus on managing assets within Ameriprise-managed accounts.

James Roble is a CFP® with 41 years of industry experience, currently serving at Raymond James & Associates since 2001. He is based in Davidsonville, MD, and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a board member and finance/investment committee member for the Community Dental Center, a nonprofit organization. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to individuals, employer-sponsored retirement plans, corporate and charitable entities, and state and municipal government clients. The firm offers a range of tailored financial plans and investment recommendations, along with institutional consulting and public finance capabilities.

Nickolas Diamondidis is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services and Morgan Stanley Private Bank, N.A. Outside of finance, he is a singer-songwriter and operates an art and culture business called More Than Matter. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured financial planning process supported by firm-approved tools and offers its services both directly and through employer agreements.

Steven Eagley is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with RBC Capital Markets since 2009. Outside of his advisory role, he owns a charter boat business in the British Virgin Islands and operates a horse farm in Maryland where he boards horses and hosts events. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of wrap fee advisory programs with customized investment strategies implemented through in-house and third-party managers.

Walter Stundick is a financial advisor with Edward Jones in Annapolis, MD, holding a Series 66 designation and 24 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is part owner of a real estate LLC through an irrevocable trust. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a wide range of accounts. The firm offers discretionary and non-discretionary investment strategies, managed accounts, affiliated mutual funds, and operates under a fiduciary standard.

Clay Smith is a financial advisor with Equitable Advisors, holding a Series 66 designation and eight years of industry experience. He has worked at Equitable Advisors since 2018, including time at AxA Advisors, and has prior experience in beverage distribution and manufacturing-related roles. Equitable Advisors serves a broad range of clients, including individuals, high-net-worth, retirement plans, corporations, charities, and institutions, providing financial planning, brokerage, insurance, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Azizat Adalikwu is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and five years of industry experience. She has worked at Primerica Advisors since 2020 and has been affiliated with Primerica Financial Services since 2007. Outside of her advisory role, she owns Exquisite Salon Suite LLC, a business that rents individual salon suites to hair stylists, barbers, and braiders in Bowie, MD. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Lynette Russell is a financial advisor at Thrivent Investment Management with a Series 66 designation and three years of industry experience. Her background includes roles at Edward Jones, Northwestern Mutual, and Prudential-related firms, as well as entrepreneurial experience running Lynette Russell, LLC/Optimize Payroll Solutions. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits through a network of financial advisors. The firm offers holistic, goal-based financial planning covering a wide range of topics, delivered either as one-time or ongoing engagements, with separate managed-account options available.

Brion Harris is a financial advisor with Cetera possessing Series 63 and Series 65 credentials and 27 years of industry experience. He has held roles at Cetera since 2019 and previously worked at Summit Financial Group and Premier Planning Group, where he is also the CEO and founder. Outside of his advisory work, Harris leads an insurance coaching business and is authoring a book on retirement income planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options and over $250 billion in assets under management.

Joshua Fretz is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with LPL Financial. He has been with LPL and Tower Wealth Management since 2016 and previously worked with Maryland 529. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a broad network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

William Patriarca is a CFP® professional with 10 years of industry experience, currently with LPL Financial. His career includes roles at Cetera Investment Services, First National Bank of Pennsylvania, and Wells Fargo Clearing Services. 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 provides various advisory programs, retirement plan consulting, and brokerage services, with investment options supported by LPL Research and third-party subadvisors.