Edward Williams is a financial advisor at Mass Mutual Investors Services with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at NYLIFE Securities, LLC and New York Life Insurance Company. In addition to his advisory role, he is the author of the book *Wealth Building for Beginners* and founder of a consulting business advising business owners on growth strategies. Mass Mutual 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, focusing on collaborative, annual planning relationships tailored to client goals.

Michaela Vasquez is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. She has worked at Merrill since 2015 and has prior experience at Bank of America and Lowe's. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Simning is a financial advisor at LPL Enterprise with Series 63 and Series 65 credentials and four years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, NYLife Securities LLC, and New York Life Insurance Company. Outside of finance, he was involved with Chef Mikko LLC for five years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated insurance and trust services.

Kevin Bowen is a financial advisor at UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation. He joined UBS in 2026 and has prior experience in property management and various other roles. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, leveraging proprietary research and model-based asset allocations to customize financial plans and portfolio management.

Steve Pursley is a financial advisor with OSAIC in Timonium, MD, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He previously worked for Signator Investors, Inc. for 26 years before joining OSAIC in 2018. Outside of his advisory role, Pursley serves as a board member of the Greater Chesapeake Charitable Foundation, which raises funds for Baltimore-area charities. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, leveraging multiple custodial and affiliate relationships alongside alternative investment options.

Jordan Smith is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Mariner Finance, YMCA, and Olive Garden. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nils Nilsen is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. His prior work includes roles at Equitable Advisors, Salisbury University, and several entrepreneurial ventures. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and supports a range of specialized planning services.

John McCarthy III is a financial advisor at OSAIC with 32 years of industry experience. He previously worked for Lincoln Financial Advisors Corporation for 31 years before joining OSAIC in 2025. He holds Series 63 and Series 65 licenses. In addition to his advisory work, McCarthy owns Heritage Financial Consultants, LLC, where he offers various insurance products including disability, life, and long-term care insurance. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and access to third-party money managers through a multi-advisor platform.

Tony Difatta is a Series 65-licensed financial advisor with 12 years of industry experience, currently affiliated with LPL Enterprise. He previously worked for Pruco Securities, LLC for 11 years and is the CEO of Tony M Di Fatta, CPA P.C., a tax preparation and accounting firm he has operated since 2013. He also serves as treasurer for Friends of Eric Bouchat, a community organization. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional offerings in financial planning, trust services, insurance, and collateralized lending.

Jacqueline Grove is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Rachel Miller is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work experience includes roles at TCW Global and Zenimax Media. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Custance Jr. is a financial advisor at Edward Jones in Reisterstown, MD, holding the CFP® designation with 23 years of industry experience, including over two decades at Edward Jones. Outside of his advisory work, he owns a vacation rental property in Tannersville, PA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branches.

John Mezzullo is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and over 52 years of industry experience. He has been with Cambridge since 2013 and maintains additional roles with P.A. Financial Services Corporation and Reutemann Financial Solutions. Outside of advisory work, he is an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals. The firm manages a multi-billion dollar asset base and offers both discretionary and non-discretionary management across multiple platforms and custodians.

Gregory Akers is a financial advisor with Stifel in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having four years of industry experience. His prior roles include positions at Court Place Advisors, Meridian Bank, and TESSCO Technologies Inc. He serves as a parish council member at Sacred Heart Church and is a board member of the Hereford High School Athletic Hall of Fame. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment strategy developed by its Investment Strategy Group.

Alan Kines is a CFP® with 16 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. Prior to joining Raymond James, he worked for Northwestern Mutual Wealth Management Company and Northwestern Mutual Life Insurance Company for 16 years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning and advanced analytical tools to support client goals and offers specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

Patrick Vaughan is a CFP® with 17 years of industry experience, currently affiliated with RBC Capital Markets in Hunt Valley, MD. He has worked at RBC Capital Markets since 2009 and has been with City National Bank since 2017. Vaughan serves on the board of directors of The Cal Ripken Foundation, a youth leadership charity, where he participates in fundraising activities. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs and implements tailored portfolio strategies using in-house and third-party investment managers.

Henry Podlaszewski Jr. is a financial advisor with UBS Financial Services, holding a Series 66 designation and 19 years of industry experience. He previously worked at Morgan Stanley and RBC Capital Markets. He is based in Shrewsbury, Pennsylvania. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor client plans.

Garrett Kunkel is a CFP® and Series 66–registered advisor with RBC Capital Markets in Hunt Valley, MD, bringing eight years of industry experience. He has worked at RBC Capital Markets since 2017, following prior roles at Kissinger Financial Services and Kissinger Financial Services (Hightower). RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Jesse Folus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and is also associated with Bank of America, N.A. since 2022. Prior to his financial services career, he was employed by Lupin Pharmaceuticals. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lucas Graham is a financial advisor with LPL Enterprise holding a Series 66 designation. He has one year of industry experience and previously worked at IDEMIA National Security Solutions and West Virginia University. Outside of his advisory role, he was affiliated with Bible Center Church for two years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, consulting, and access to third-party asset managers through a large network of investment adviser representatives.