Thomas Ofarrell is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at RBC Capital Markets since 2009 and has been with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile through a combination of in-house and third-party investment managers.

Ashley Roy is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 designation. Roy has been with Morgan Stanley since 2023 and has prior experience at the University of Maryland - College Park, Boston College, and St. Mary's Annapolis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including 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 processes supported by firm-approved tools and modeling techniques.

Luke Krmpotich is a financial advisor with LPL Financial in Annapolis, MD. He holds a Series 66 designation and has 13 years of industry experience. Prior to joining LPL Financial in 2026, he worked at Cambridge Investment Research and Morgan Stanley Private Bank. Outside of his advisory role, he is also active as an independent insurance agent and operates businesses under the names Legacy Financial and Legacy Healthcare. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by various investment strategies and advisor tools.

Alan Brennan is a Series 66-licensed financial advisor with Equitable Advisors, based in Columbia, MD. He has one year of industry experience and previously worked at the Henry M. Jackson Foundation for six years. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

John Gibson Jr. is a CFP® professional with 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked with firms including Fulton Bank, Raymond James Financial Services, M&T Securities, and UBS Financial Services. In addition to his advisory role, he is commissioned as a notary in Annapolis, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and asset management solutions, leveraging both proprietary research and third-party strategies across advisory and brokerage platforms.

Young Hwang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with AXA Advisors, LLC until 2020. Outside of his advisory role, he is involved in an insurance brokerage business. Equitable Advisors serves a broad range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes third-party asset managers and advisory programs to tailor investment strategies based on client risk tolerance and objectives.

Dianna Jones is a CFP® professional with 19 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, she worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is the president of the Beverly Beach Community Association, where she manages community affairs and events. 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 advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Charisma Greene is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and three years of industry experience. Prior to her current role, she worked at J.P. Morgan Securities and JPMorgan Chase Bank. In addition to her advisory work, she is involved with NewLuc DMV LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Benjamin Spiker is a financial advisor at Wells Fargo Advisors with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America, Merrill, and Citigroup Global Markets. Outside of his advisory role, he is involved in several investment-related businesses, including co-ownership of office space and management of small enterprises. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering investment and fee-based financial planning services. The firm provides a broad range of planning options tailored to clients meeting certain net-worth thresholds, utilizing proprietary research and tools to deliver personalized recommendations.

Colleen Schuler is a CFP®-certified financial advisor with 22 years of industry experience, currently practicing at LPL Financial since 2023. Her prior experience includes roles at Fulton Financial Advisors, Raymond James Financial Services, and M&T Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Mike Ellis is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill Lynch since 2011. 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.

Ali Haider is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and one year of industry experience. His prior roles include positions at Fidelity Direct Mortgage, JP Morgan Chase Bank, and PNC Bank. 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 combines research from Wells Fargo Investment Institute and third-party sources to guide its investment approach, offering both brokerage and advisory solutions.

Thomas Horst is a financial advisor at OSAIC with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years prior to joining OSAIC in 2023. Outside of his advisory work, he has been involved in insurance sales since 1999. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services and employs various asset-allocation tools and third-party solutions to manage diversified portfolios.

Kevin Howard is a financial advisor with Cetera, holding a PFS™ designation and Series 63 and 65 licenses, and has 25 years of industry experience. Prior to joining Cetera in 2025, he operated his own CPA firm and managed Flying Cloud Money Management, LLC for multiple decades. He serves as Treasurer for Columbia Pro Cantare, a nonprofit choral organization, providing accounting and compliance support. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a wide range of portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Austin Miller is a financial advisor at Equitable Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Vicus Capital, Partners Financial Group, Penn Mutual, and Cetera Advisor Networks. Outside of his advisory work, he was involved in his family's farm business for six years. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes both in-house and third-party advisory models and provides ERISA fiduciary services through credentialed representatives.

Jordan Braverman is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and entering his first year in the industry. His prior experience includes positions at James Madison University and involvement with La Food Marketa. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm employs a network of Investment Adviser Representatives and offers access to both firm-offered and third-party advisory programs.

Christopher Ridgeway is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Wells Fargo, PNC Bank, BBVA, and SunTrust Bank. 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 clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Keith Hendrick is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a wide range of advisory programs and 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 firm-approved processes to support client financial goals.

Victoria Walker is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at Raymond James Financial Services Advisors, Inc. since 2019 and previously spent seven years with Wells Fargo Clearing. Walker also serves as Acting Branch Manager at Merriweather Money Management, LLC, where she manages daily branch operations and oversees compliance and business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm utilizes risk profiling and analytical modeling to tailor its non-discretionary planning and encourages implementation through its advisory programs and other providers.

Adina Lavoie is a financial advisor at Primerica Advisors with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Primerica Financial Services and PFS Investments Inc. since 2008. In addition to her advisory role, she consults part-time for Pourkys LLC. Primerica Advisors manages a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies from unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.