Pamela Nehemia is a financial advisor with Wells Fargo Advisors in Marriotsville, MD, holding a Series 66 license and two years of industry experience. Her prior roles include work at the Stoler Early Learning Center and time spent as a homemaker and stay-at-home mom. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, with recommendations supported by Wells Fargo research and planning tools.

Brian Lutz is a financial advisor with Cetera in Baltimore, MD, holding Series 63 and Series 66 designations and 25 years of industry experience. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to various portfolio management strategies, third-party managers, and program structures, managing over $256 billion in assets.

Ravindra Dixit is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 66 registrations and bringing 21 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, he is involved in independent insurance brokering and owns a consulting business, Mana Consulting Inc. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering tailored recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies through a centralized consulting team.

Parul Verma is a financial advisor with Merrill in Columbia, MD, holding a Series 66 designation and four years of industry experience. She has worked at Bank of America and Merrill since 2019. 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 plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s corporate platform, enabling access to diverse products and services.

Kate Mbonu is currently an Investment Solutions Representative III at Fidelity Investments, a role she has held since 2022. She partners with clients to understand their financial goals and helps build customized plans to meet their unique needs, emphasizing strong client relationships based on trust and reliability. Prior to this, she served as an Investment Consultant at Fidelity Investments from 2021 to 2022 and was a Financial Advisor at Cetera Investment Services LLC from 2019 to 2021. From 1998 to 2016, she was Branch Manager at Chevy Chase Bank LLC. Kate holds insurance licenses in Arkansas and California. Outside of her professional work, she enjoys cooking and baking, family activities, fitness, social events with friends, music, and singing.

Eric Walker is a financial advisor with Morgan Stanley in Baltimore, MD. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Most recently, he has worked in a private banking capacity since 2026. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, offering comprehensive planning without individual security recommendations as part of standalone plans.

William Dennin is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 63 designation and bringing 42 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad 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 employs structured planning processes utilizing firm-approved tools and modeling techniques.

Robert Declement is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and 10 years of industry experience. He has been with Merrill since 2003. Declement serves as an advisory board member for Junior Achievement-Central Maryland, a nonprofit organization focused on preparing young people for economic success. Merrill provides managed account services primarily 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.

Stephen Hlibok is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in 1987, he has concentrated on developing wealth management strategies tailored to individual client needs. Stephen’s expertise encompasses services for endowments, foundations, and non-profits, personal retirement planning, portfolio management, socially responsible and values-based investing, special needs planning strategies, and retirement income. A key focus of his practice is serving deaf investors, offering direct communication in American Sign Language without third-party interpretation to ensure clear understanding of opportunities, risk tolerance, and investment tax efficiency. Stephen holds a Master’s degree in Vocational Rehabilitation from New York University and a Bachelor’s degree in Business Administration from Gallaudet University. He has earned the Personal Investment Advisor (PIA) designation and is affiliated with the National Association of the Deaf and the Gallaudet University Alumni Association. His work advancing financial services for the deaf community has received national media coverage. Outside of his professional role, Stephen is involved with the United States Deaf Ski and Snowboard Association and enjoys outdoor activities such as skiing, biking, hiking, boating, fishing, genealogy, and traveling.

Michael Viscardi Jr. is a CFP® and ChFC® with 27 years of experience in the financial industry. He is currently with LPL Financial and has also worked at M&T Securities, Inc. and M&T Bank since 1998. Outside of his advisory role, he serves as a USA Hockey certified ice hockey referee for youth games in Maryland. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options and access to various model portfolios and research.

Deandre Cammarata serves as a Resident Director and Wealth Management Advisor at Merrill Lynch. Since joining Merrill Lynch Wealth Management in 2011 after earning his bachelor's degree from Miami University in Oxford, Ohio, Deandre has focused on providing concierge-level wealth management services. He works closely with clients and their families, overseeing and coordinating financial affairs to simplify their financial lives while collaborating with a team of professionals on estate planning, banking, home financing, securities lending, and other financial matters. Deandre specializes in corporate executive services, executive and equity compensation, family wealth management, international wealth management, liquidity management, portfolio management, sports and entertainment, and tax minimization. His expertise has been recognized with inclusion on Forbes' "America's Top Next-Generation Wealth Advisors Best-in-State" and "Best-in-State Wealth Advisors" lists in 2025. He holds professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE), and maintains an active role within the community through involvement with organizations such as Project C.U.R.E. and Ronan's Reel. Residing in Chicago's North Shore with his wife and son, Deandre enjoys playing tennis, traveling, and following soccer, specifically supporting Manchester United. He dedicates time outside of work as a board member of Ronan's Reel, an organization focused on addiction recovery. His commitment to delivering personalized, attentive service underpins his role at The Murphy Group, where he aims to provide the best value to his clients.

Zach Taylor is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Baltimore Washington Financial Advisors and has a background that includes educational roles at Virginia Tech and DeMatha Catholic High School. Outside of finance, he was involved with The Big Bean for two years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model financial outcomes, serving clients primarily in an advisory capacity.

Eric Wells is a financial advisor with Cambridge Investment Research Advisors in Columbia, MD, holding Series 63 and Series 65 credentials and two years of industry experience. He has concurrently worked at T. Rowe Price and within the federal government since 2010. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management and model-based strategies.

William Persons is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning using firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements with employers.

Kevin Appler is a CFP® professional affiliated with LPL Financial in Hanover, MD, with 30 years of industry experience. He has worked at LPL Financial since 2017 and previously spent a year at Kestra Financial Services. He is also involved with Tower Federal Credit Union, where he has served since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides discretionary and non-discretionary management and utilizes a range of model portfolios and research resources.

Ellis Gallimore is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Valic Financial Advisors and Agia. Gallimore is also affiliated with State Employee's Credit Union of Maryland. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing model portfolios and research from multiple sources.

Gilma Hernandez is a financial advisor at LPL Financial with three years of industry experience. She previously worked at Merrill and Bank of America, N.A. Hernandez holds a Series 66 credential. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing model portfolios and research from both internal and third-party sources.

Terrell Matthews is a financial advisor with Primerica Advisors in Calverton, MD, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2012 and has been associated with the U.S. Patent & Trademark Office since 2005. Outside of his advisory role, he owns Matt-Hew Consulting LLC, where he serves as a Certified Divorce Financial Analyst. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Deborah Frech is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. She has worked at firms including Avantax Investment Services and 1ST Global Advisors, and she is also involved with BFJ Wealth Management and Bell, Frech & Jacobs, a CPA firm specializing in tax preparation and accounting. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers various advisory programs and financial planning services, with access to model portfolios, third-party subadvisors, and advanced portfolio management technologies.

Ashley Lazarewicz is a financial advisor with Wells Fargo Advisors in Ellicott City, MD, holding a Series 66 designation and 17 years of industry experience. She previously worked at Bank of America and Merrill from 2011 to 2020. Outside of her advisory role, she organizes events and golf outings for a local business women's network. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, including specialized planning for business transitions, sports and entertainment, special needs, and divorce. The firm delivers tailored recommendations through meetings and client summaries, with optional implementation through brokerage or advisory programs.