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.

Rebecca Snyder is a financial advisor with Commonwealth Financial Network in Bowie, MD. She holds a Series 65 designation and has one year of industry experience. Prior to her financial services career, she worked for over a decade at the Prince Georges County State's Attorney's Office. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and managing approximately $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, third-party asset manager access, and custody/clearing services.

Jeffrey Carlson is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as president of Nexus Group, Inc., a legal entity through which his staff is employed. Ameriprise provides a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Cynthia Brown is a financial advisor with Raymond James & Associates in Annapolis, MD, holding Series 63 and Series 66 credentials and having 23 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a broad nationwide adviser network.

Stanley Omosa is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. He has worked at Merrill and Bank of America since 2016 and previously spent eight years at MassMutual. Outside of advising, he serves in a guardianship role for a child, dedicating a few hours monthly to this responsibility. 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 strategies for a range of clients including individuals, high-net-worth investors, and institutions.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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.

Steven Dannenmann is a financial advisor at LPL Financial with 36 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Wise Financial Group. Outside of his advisory work, he is a professional poker player and an author. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor resources and technology.

Daniel Beigel is a financial advisor with Ameriprise Financial Services, LLC, holding a Series 66 designation and eight years of industry experience. He has been with Ameriprise since 2016, initially at Ameriprise Financial Services, Inc., and continuing with the current firm since 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on income sources and tax-aware withdrawal strategies.

John Kunisch is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at W&S Brokerage Services, Western and Southern Life, and Spark Investments LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios.

Antonio Da Costa is a financial advisor at Edward Jones with a Series 66 designation and experience working at Morgan Stanley and New Day Financial. He has been with Edward Jones since 2026. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and affiliated investment products.

Tina Hines is a financial advisor with LPL Financial based in Hanover, MD. She holds a Series 66 designation and has one year of experience at LPL Financial, along with prior roles at Tower Federal Credit Union and Bank of America. Outside of her advisory work, she owns US Clothing LLC, operating under the name Uniform Pro. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary research and third-party strategies across various account types.

Joelle Gotimer is a Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2022. She has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, she worked as an Associate Financial Planner at Financial Consulate from 2014 to 2016. In her role, Joelle partners with clients to organize and align their wealth as they work towards their lifetime and legacy goals. She serves as an advocate and resource, helping clients navigate Fidelity's offerings to find strategies tailored to their unique needs and objectives. Outside of her professional work, Joelle's personal interests include hiking, music, pets, and yoga.

Michael Heigh Jr. is a Series 66-credentialed financial advisor with Edward Jones, based in Columbia, MD. He has nine years of industry experience and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a large nationwide network of advisors and branch offices.

Zachary Scott is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at NewDay Financial LLC and RagingBull.com LLC. Outside of his advisory role, he provides personal in-home support for individuals with disabilities through The Arc of Central Chesapeake Region and coaches high school baseball in Howard County. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced research and operational tools.

Robert Carrozza is a Series 66 credentialed financial advisor with 15 years of industry experience. He has worked at J.P. Morgan Securities since 2026 and spent 18 years prior at Bank of America/Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm focuses on non-discretionary asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a systematic, research-driven advisory process.

Stacey Alviani is a financial advisor at Morgan Stanley with 32 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for nine years before joining Morgan Stanley Smith Barney LLC in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Matthew Alton is a financial advisor at Osaic with two years of industry experience and holds a Series 66 designation. Prior to joining Osaic, he held various positions including roles in the food service industry and at Towson University. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform that provides brokerage and advisory services, comprehensive financial planning, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various analytical tools and discretionary management options.