William Stanik is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at MetLife Securities Inc. from 2010 to 2017. Outside of advising, he is an insurance agent licensed for life and health insurance. MassMutual 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, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals.

David Kuzma is a financial advisor with Cambridge Investment Research Advisors, holding Series 65 and Series 63 credentials and bringing 11 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and Cambridge Investment Research Inc. since 2015. Kuzma serves on the board of the Catholic Business Network of Montgomery County and the Maryland chapter of the Exit Planning Exchange. He is also an author, educator, and owner of Blue Chair Publishers, LLC, as well as Aquilo Private Wealth Advisor, LLC and Aquilo Accounting & Tax, LLC. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a broad range of clients including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing a variety of portfolio management strategies and custody arrangements tailored to client objectives.

Andrew Gordon is a financial advisor at Equitable Advisors holding a Series 66 designation. He began his advisory career with Equitable Advisors in 2026. His prior experience includes roles at Preply, DoorDash Inc., and various academic and community organizations. Equitable Advisors serves a broad client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, working extensively with LPL-sponsored programs and endorsed TAMPs.

Chad Houser is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2014. Outside of his advisory role, Houser is an employee of Valet Living, a construction and engineering company, and owns rental property in Annapolis, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Juan Guillen is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at Truist Bank, Bank of America, PNC Bank, and Allstate, as well as involvement with the Apostolic Ministry of Reconciliation. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Megan Hendricksen is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. Her prior work includes roles at Wells Fargo Bank, M&T Bank, and PNC Bank. She is based in Columbia, MD. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Louis Foran is a financial advisor with RBC Capital Markets in Columbia, MD, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has worked at RBC Capital Markets since 2009 and concurrently with City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers.

Benjamin Goldsmith is a financial advisor with Wells Fargo Clearing in Reisterstown, MD, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Bank of America, Merrill, and experience outside finance with KC Automotive and Outback Steakhouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Warren Brockett is a Series 66-licensed financial advisor with 21 years of industry experience, currently working with Cambridge Investment Research Advisors since 2024. He previously worked at MML Investors Services and MassMutual from 2018 to 2024, and AXA Advisors LLC from 2013 to 2018. He serves as a board member for both BWMC Next Generation Board and WoodSwise. Cambridge Investment Research Advisors is an SEC-registered firm serving 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 independent Financial Professionals using a variety of portfolio management strategies and platform options.

Christopher Dillon Sr. is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Cetera since 2013 and has worked with affiliated firms since 2002. In addition to his advisory role, he owns and manages a tax and accounting business, Christopher Dillon CPA, which he has operated since 1994. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party strategies, managing over $256 billion in assets across more than 10,000 advisors.

Christine Mantich is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 credentials and 20 years of industry experience. Her prior roles include positions at Merrill, Raymond James & Associates, Premier Planning Group, and Cetera Advisor Networks. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advice. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options including insurance-related products and bank deposit sweep programs.

George Enone is a CFP® with 25 years of industry experience, currently serving at OSAIC since 2024. He previously worked at Woodbury Financial Services, Inc. for eight years and Capital One Investing, LLC for three years. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing firm-provided tools and third-party managers to construct diversified portfolios with a range of investment options.

Donald Monroe is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and 22 years of industry experience. He has worked at various Wells Fargo entities since 2016, including Wells Fargo Clearing and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Matthew Hodgson is a financial advisor with Merrill in Columbia, MD, holding a Series 66 designation and 10 years of industry experience. He has been affiliated with both Bank of America, N.A. and Merrill Lynch throughout his career. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates its services with Bank of America’s broader platform, including lending, custody, and principal trading functions.

Michael Martin is a CFP® with 12 years of industry experience currently serving at Wells Fargo Clearing. His prior roles include positions at PNC Investments, Valic Financial Advisors, and Citizens Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Joseph Raskauskas is a financial advisor at Edelman Financial Engines with 13 years of industry experience. He holds a Series 65 designation and has worked at several firms, including Personal Capital Advisors and GWFS Equities, Inc. He joined Edelman Financial Engines in 2025. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and serves a large participant base through both advisor-led and online platforms.

Kristin Dubinski is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 32 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Dubinski serves on the Board of Directors and acts as Treasurer for the Naval Academy Women's Golf Association in Annapolis, MD. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis with a range of advisory, brokerage, and insurance solutions typical of large institutional firms.

John Sigler is a financial advisor with Morgan Stanley in Annapolis, MD, holding a Series 63 designation and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as president of St. John Vianney Catholic Church, where he is involved in budgeting and capital improvement planning. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning using firm-approved tools and serves clients through tailored financial strategies and planning services.

Patrick Herbert is a financial advisor with Edward Jones in Pasadena, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at the Kevin Gordon Agency of State Farm and held various roles in the restaurant industry. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices across the country.

Matheus Carvalho Leme Cavallari is a financial advisor at Equitable Advisors with a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors in 2024, he worked for the World Bank Group from 2016 to 2021. Outside of advising, he is involved in managing a residential rental property in Washington, DC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, brokerage, insurance, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.