Nicholas Barbieri is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 20 years of industry experience. He has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates proprietary research and model-based asset allocations with institutional trading capabilities, offering a combination of wealth management and capital markets services.

Matthew May is a CFP® professional with 28 years of experience, currently serving at Morgan Stanley in Hunt Valley, MD. He has been with Morgan Stanley Smith Barney since 2010 and with Morgan Stanley Private Bank since 2015. Outside of his advisory work, he breeds bulldogs as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning and manages approximately $2.74 trillion in client assets.

Brett Leonard is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 11 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2014 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Jennifer Detandt is a financial advisor with UBS Financial Services holding a Series 66 designation and three years of industry experience. She previously worked at RBC Capital Markets, Marshall Financial Group, and Raymond James & Associates. Outside of finance, she operates Brightwood Farm LLC, where she provides horse boarding and riding lessons. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office and UBS Global Research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of financial products and capital markets services.

Vincent Hackler is a financial advisor at Ameriprise with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise since 2009. Outside of advising, he is co-owner of a real estate business and is pursuing a patent related to a pickup truck accessory. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

John Lombardo is a CFP® and Series 66-licensed financial advisor at OSAIC with six years of industry experience. His prior roles include positions at Lincoln Financial Advisors, FIS Global, T. Rowe Price, and Equitable Advisors. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes various asset-allocation tools and third-party services to offer integrated brokerage and advisory solutions across multiple investment platforms.

Sean Stenhouse is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2022. Prior to his current roles, his career includes various positions at companies such as CarMax, Nordstrom Rack, FedEx, and Amazon.com. 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.

Justin Cooper is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and bringing 10 years of experience. He has worked at Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he is the owner of C.M. First Venture LLC, a company that rents portable chargers to users of handheld devices. 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, and institutions.

Alexander Johnson is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. Outside of his advisory role, Johnson owns a music production and engineering business, Supernova Sonic LLC. 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 a range of clients including individuals, high-net-worth clients, and charitable organizations.

Charles Hall is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Outside of his advisory role, he is an active owner and partner in Dunmanway Management LLC, a family limited liability company. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charities, offering multiple advisory programs with discretionary and non-discretionary portfolio management and financial planning. The firm utilizes both in-house and third-party investment managers and provides tailored strategies based on client risk profiles.

Edward Herring Jr. is a financial advisor with Ameriprise in Hunt Valley, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of Ameriprise, he is a co-owner of J&R Juergensen Inc., a financial planning and managed advisory business. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to create personalized plans delivered by a centralized consulting team.

Edward Williams is a financial advisor at Mass Mutual Investors Services with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at NYLIFE Securities, LLC and New York Life Insurance Company. In addition to his advisory role, he is the author of the book *Wealth Building for Beginners* and founder of a consulting business advising business owners on growth strategies. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships tailored to client goals.

Michaela Vasquez is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. She has worked at Merrill since 2015 and has prior experience at Bank of America and Lowe's. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Simning is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining LPL Enterprise, he worked at several firms including The Prudential Insurance Company of America, Pruco Securities LLC, and New York Life Insurance Company. Outside of finance, he was involved with Chef Mikko LLC for five years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products, combining adviser programs with active sales of financial products.

Jordan Smith is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Mariner Finance, YMCA, and Olive Garden. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sarah Clark is a financial advisor at Mass Mutual Investors Services with 18 years of industry experience. She holds the ChFC® and Series 66 designations and has worked at Mass Mutual Investors Services since 2017, with prior experience at Massachusetts Mutual Life Insurance Company and MetLife Securities Inc. Outside of her advisory role, she is also involved in health sales and annuities as an agent. 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 offers financial planning, asset management, and educational programs, focusing on collaborative, annual planning relationships without discretionary management.

Nils Nilsen is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. His prior work includes roles at Equitable Advisors, Salisbury University, and several entrepreneurial ventures. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and supports a range of specialized planning services.

Ellen Boyce is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. Her prior roles include positions at Ic Advisory Services, Inc. and The Investment Center Inc. She also operates Boyce Financial, a business related to her LPL activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing both discretionary and non-discretionary management with support from internal research and third-party subadvisors.

John Mccarthy III is a financial advisor with Osaic Wealth, Inc. in Hunt Valley, MD, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He previously spent 31 years with Lincoln Financial Advisors Corporation. Outside of his advisory role, he is involved with Heritage Financial Consultants, LLC, where he offers various insurance products including disability and long-term care insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing firm-provided tools and multiple investment platforms to manage portfolios.

Tony Difatta is a Series 65-licensed financial advisor with 12 years of industry experience. He has been with LPL Enterprise since 2025 and previously worked at Pruco Securities, LLC for 11 years. In addition to his advisory role, he is the CEO of Tony M Di Fatta, CPA P.C. and serves as Treasurer for the nonprofit Friends of Eric Bouchat. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a broad range of financial planning, advisory, and brokerage services supported by an integrated platform that combines adviser programs with active insurance sales and collateralized lending.