Susan Frillman is a financial advisor at RBC Capital Markets with 14 years of industry experience. She holds a Series 66 designation and previously worked at Harbor Investment Advisory, LLC for 13 years before joining RBC in 2024. Outside of her advisory role, she serves as Treasurer for a local condominium association, overseeing financial accounts and payments. RBC Wealth Management provides services to a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Ryan Carr is a financial advisor with Ameriprise Financial Services, LLC in Bel Air, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked for MedStar Health from 2011 to 2020. He also manages an advisory business under J&R Juergensen Inc. as a Certified Financial Planner. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Karah Helm is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. 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 strategies for a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Rufo is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he owns Giglio Rosa, LLC, a company that manufactures and sells alternative-leather goods including wallets and women's handbags. 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, offering model-based and discretionary investment strategies for a range of individual and institutional investors.

Elizabeth Paal Goss is a CFP®-certified financial advisor with 15 years of industry experience. She currently works with OSAIC and previously spent 15 years at Lincoln Financial Advisors. Goss serves on the alumni board of Calvert School, focusing on engaging young alumni through events and communications. OSAIC Wealth, Inc. provides investment advisory and brokerage services to a diverse client base including individual investors, institutions, and charitable organizations. The firm utilizes various asset-allocation tools and offers portfolios with a wide range of investment options, managed on discretionary or non-discretionary bases.

Michael Ford is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His previous roles include positions at Bank of America, N.A. and Merrill. RBC Wealth Management serves a diverse client base ranging from individual investors to institutions and offers a variety of advisory programs with customizable portfolio management and investment options. The firm integrates multiple investment managers and emphasizes a range of services including financial planning, custody, and brokerage.

Scott Falkowitz is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Ameriprise and its affiliates since 2003, following three years at Merrill. Falkowitz is also the owner and president of SCF Inc, a corporation related to his financial advising practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written retirement-income recommendations and ongoing tax-aware planning.

Philip Defelice is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 16 years of industry experience. He previously worked at Wells Fargo Securities, LLC for 17 years and is also affiliated with Divine Lifestyle Group Inc. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm primarily employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Beau Horning is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has two years of industry experience and previously worked at Samsung Austin Semiconductor. He volunteers as a committee member for the Women’s Traffic & Transportation Club in Baltimore, MD. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, offering services such as financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm provides multiple investment platforms and strategies, including proprietary models under Founders Gate Capital and access to third-party managers.

Barbara Walters is a financial advisor with Equitable Advisors in Hunt Valley, MD. She holds Series 63 and Series 66 licenses and has 14 years of industry experience, having previously worked at RBC Capital Markets and Stifel Independent Advisors. Walters is also a commissioned notary in the state of Maryland. Equitable Advisors serves a wide range of clients, including individuals across wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and various asset-management programs through a network of Investment Adviser Representatives and partners with third-party asset managers and advisory programs.

Avis Fagu is a financial advisor with Wells Fargo Clearing, holding CFP® and Series 66 credentials and bringing 21 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a three-year tenure at WELLS FARGO Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and a broad range of brokerage and advisory solutions.

Eric Villamater is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Sarah Cicero is a CFP® professional affiliated with Osaic, with 22 years of experience in the financial services industry. She has worked at Lincoln Financial Advisors Corp from 2003 to 2025 and StoneBridge Advisors, Inc. since 2005. She also owns StoneBridge Advisors and provides insurance products including disability insurance and annuities. Sarah serves as power of attorney for her mother, overseeing financial and legal decisions if needed. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to multiple investment platforms and third-party money managers.

Timothy O'Brien is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his advisory career, he worked for four years at La Tolteca Mexican Restaurant. 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 individual and institutional clients. The firm supports a range of clients including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Grant Talbot is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Ameriprise, he held roles at Chipotle Mexican Grill, Equitable Advisors, and Kuttin Wealth Management. Outside of his advisory duties, he serves on an alumni board and manages a Peerspace listing for a conference room rental. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

Joseph Williams is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Ameriprise in 2026, he worked at Raymond James Financial Services Advisors and Chesapeake Wealth Advisors. Outside of finance, he was involved with JTW Fitness LLC for eight years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies.

Ryan Gutowski is a CFP®-certified financial advisor with 12 years of industry experience, currently practicing at Wells Fargo Advisors since 2020. Prior to joining Wells Fargo, he worked at UBS Financial Services Inc for five years. He is the principal owner of Gutowski Wealth Management LLC and holds minority ownership interests in several other investment-related entities. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services tailored to clients who meet net-worth thresholds. The firm’s approach includes using proprietary research and planning tools to develop customized recommendations across diverse planning areas.

Kemol Guy is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America N.A. and Exelon. 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 institutional investors.

Christopher Maienshein is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America, Pruco Securities, Park Ave Securities, and Guardian. Maienshein is also involved with NFI Financial Planning, a business offering both trading and non-trading financial services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other institutional clients. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with services that include financial planning, access to asset managers, and participation in the Model Wealth Portfolios wrap program.