David Barnes is a financial advisor at RBC Capital Markets with 32 years of industry experience. He previously worked at Bank of America, N.A. for 13 years and Merrill for over three decades. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm uses tailored investment strategies and integrates in-house and third-party managers to meet clients’ advisory risk profiles.

Christopher Elmonus is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His background includes roles at Bearlight Marketing, Fairview, and Wake Forest University. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Joseph Nguyen is a Series 66-licensed financial advisor with Merrill, based in Hunt Valley, MD. He has 13 years of industry experience and has been with Merrill since 2007. 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, pension plans, and charitable organizations. The firm’s investment approach integrates strategies implemented by Managed Account Advisors LLC alongside those constructed by Merrill’s Chief Investment Office.

Jared Kilberg is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in creating customized wealth management strategies tailored to clients’ individual financial goals, with a focus on college education planning, legacy planning, personal retirement planning, tax minimization, and retirement income. Drawing on over 11 years of experience, Jared works closely with clients across different life stages, supporting them in long-term financial planning as they save for retirement and plan for their future. Jared holds a Bachelor's Degree from the College of Charleston and has earned the professional designations of CERTIFIED FINANCIAL PLANNER™ (CFP) and Personal Investment Advisor (PIA). He adheres to a personalized approach, working one-on-one with clients to develop flexible financial strategies aligned with their goals. Outside of his professional work, Jared is involved in community organizations such as Repair the World (Baltimore) and The League of People. He enjoys biking, cooking, music, photography, reading, running—including running marathons—and traveling. Jared lives with his family and their pets in Baltimore, where he can often be found running around the city or cycling in northern Baltimore County.

Matthew Aversa is a financial advisor at OSAIC with 10 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for seven years and AXA Advisors LLC for two years. Outside of his advisory role, he is the owner of Maller Wealth Advisors, Inc., offering a range of insurance products, and serves on the golf committee board for Pathfinders for Autism, a charitable organization. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, providing integrated brokerage and advisory services through a wide network of affiliated advisers. The firm employs asset-allocation tools and managed-account platforms to construct portfolios with various investment types, supporting both discretionary and non-discretionary management.

Bryan Costabile is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His background includes roles at LPL Enterprise LLC and sports-related positions with the Premier Lacrosse League, Under Armour, and the Washington Commanders. Outside of financial advising, he is involved in sports coaching and owns the Icecap Sports Club in Maryland. Raymond James Financial Services Advisors provides financial planning and investment consulting to a broad client base, including individuals, high-net-worth investors, and public entities. The firm offers tailored, primarily non-discretionary advisory services and has notable involvement in municipal and public finance through its affiliate network.

Craig Gayhardt is a financial advisor at Wells Fargo Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo in various capacities since 2009. Outside of his advisory role, he owns and operates SOJAC Ventures LLC, an investment-related business based in Cockeysville, MD. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, including specialized services such as business-owner transition and special-needs planning.

Matthew Lowry is a CFP®-certified financial advisor with 29 years of industry experience. He has been with LPL Financial since 2012 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a trustee for the Helen P Lowry Great Grandchildren Trust. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and various portfolio management options.

Kathie Okun is a financial advisor at LPL Financial with 38 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior roles include positions at Lincoln Financial Advisors and Penn Mutual Life Insurance, among others. Okun is the owner and president of Okun Financial Group Inc., offering accident, health, disability, fixed annuities, and traditional life insurance, and she serves as a trustee of a family trust as well as a board member of Enterprising Women. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, including both discretionary and non-discretionary management supported by in-house and third-party research.

Marc Pushkin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2013. Pushkin is president of Pushkin & Pushkin, Inc., serving as a third-party administrator, and he acts as an expert witness in divorce and personal injury cases involving actuarial calculations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by model portfolios and market research.

Michael Weber is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 24 years of industry experience. He has worked at LPL Financial since 2019 and previously was with Kestra Financial Services for three years. Weber is also associated with Weber & Messick, P.A., a tax preparation and accounting firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and technology-driven strategies.

Dominic Nicolini is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an officer for the LD1940 Fund, a nonprofit established to honor the memory of a friend by providing scholarships and supporting cancer-related causes. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment modeling in its advisory process.

Gavin Stringer is a financial advisor with LPL Financial in Timonium, MD, holding a Series 63 designation and 45 years of industry experience. His prior work includes seven years at Wells Fargo Advisors LLC and three years at Wells Fargo Clearing before joining LPL Financial in 2019. 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, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches and leveraging research and model portfolios from internal and third-party sources.

Kathleen Counts is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 22 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of her advisory role, she owns and manages a small family-run internet-based training company. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Christopher Pollitt is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2017. Prior to this, he was with SMH Capital Advisors Inc. and Sanders Morris Harris Inc. from 2001 to 2017. Outside of his advisory role, Pollitt is involved in officiating softball and baseball games and serves as a softball coach at Perryville High School. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients' risk profiles using both in-house and third-party managers.

Timothy Spigelmire is a financial advisor at Fidelity with three years of industry experience and holds a Series 66 designation. His prior roles include positions at Equitable Advisors, American Family Insurance, and Merrill. He works at Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios.

Patrick Carr is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 18 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver customized advice, primarily for clients with assets managed within Ameriprise.

Jamie Hoch is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Prior to joining Merrill, Jamie held roles at Bank of America and Ultrazone and has experience in real estate and retail industries. 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, pension plans, and other institutional investors.

Karen Pomeroy Anderson is a Senior Financial Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch in 2004, bringing over 20 years of experience in executive sales, marketing, and business development at a major consumer products company and an internet start-up. Karen specializes in working with busy corporate executives and business owners, focusing on comprehensive wealth management strategies that address executive compensation, family wealth management, retirement planning, philanthropic planning, and tax minimization. Karen holds a Bachelor's Degree from the University of Michigan and has earned professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is involved in professional organizations such as NextUp and the Procter & Gamble Alumni, and engages in community activities with The First Tee of Greater Charlotte, University of Michigan Alumni Association - Charlotte, and the Women's Impact Fund in Charlotte. Residing in Lake Norman with her husband and two daughters, Karen values fitness, health, golf, and community service. She helps clients create customized financial strategies designed around their goals and aspirations, emphasizing preparation for both opportunities and potential challenges throughout their financial lives.

John Dyer IV is a financial advisor with Fidelity, holding Series 63, 65, and 66 licenses and bringing 18 years of industry experience. Before joining Fidelity, he worked at Capital Portfolio Management, Inc. from 2014 to 2021. He is currently based in Cockeysville, MD. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features including registration as a commodity pool operator and advisory roles to multiple registered investment companies.