Grant Talbot is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Ameriprise, he held roles at Chipotle Mexican Grill, Equitable Advisors, and Kuttin Wealth Management. Outside of his advisory duties, he serves on an alumni board and manages a Peerspace listing for a conference room rental. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

Patricia Hegberg is a Series 66-credentialed financial advisor with seven years of experience at Thrivent Investment Management and Thrivent Financial. She has served on the boards of Thirstysouls Ministries, which supports missionary work in Haiti and the Middle East, and the Hanover Area Historical Society, which focuses on preserving local history. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning across multiple areas without discretionary portfolio management. Its services are delivered through a network of advisors and include options to combine planning with managed account programs under consolidated billing.

Joseph Williams is a financial advisor with Ameriprise Financial Services LLC, holding Series 66 and Series 63 licenses and three years of industry experience. He previously worked at Raymond James Financial Services Advisors and Chesapeake Wealth Advisors. Outside of finance, he was involved with JTW Fitness LLC for eight years. 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 dependable income sources and tax-aware withdrawal strategies.

Ryan Gutowski is a CFP®-certified financial advisor with 12 years of industry experience, currently practicing at Wells Fargo Advisors since 2020. Prior to joining Wells Fargo, he worked at UBS Financial Services Inc for five years. He is the principal owner of Gutowski Wealth Management LLC and holds minority ownership interests in several other investment-related entities. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services tailored to clients who meet net-worth thresholds. The firm’s approach includes using proprietary research and planning tools to develop customized recommendations across diverse planning areas.

Brandon O'Neill is a CFP®, ChFC®, and Series 66-registered financial advisor with Edward Jones, where he has worked since 2011. He has 15 years of industry experience. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, supported by an extensive network of financial advisors and branch offices nationwide.

Kemol Guy is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America N.A. and Exelon. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Christopher Maienshein is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America, Pruco Securities, Park Ave Securities, and Guardian. Maienshein is also involved with NFI Financial Planning, a business offering both trading and non-trading financial services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other institutional clients. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with services that include financial planning, access to asset managers, and participation in the Model Wealth Portfolios wrap program.

Jacob Puckett is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has prior work experience with Restoration Presbyterian Church and Princeville Presbyterian Church. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, portfolio management, and institutional platforms to individuals, retirement plan participants, banks, and trust companies. The firm supports its network of over 22,800 advisors with a range of advisory and non-advisory financial services.

Alan Becke is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and held positions at MetLife Securities Inc. and Metropolitan Life Insurance Company from 1992 to 2017. In addition to his advisory role, he is also an insurance agent specializing in life and health insurance. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, using firm-approved software to analyze client goals and deliver written recommendations.

Haider Thamir is a financial advisor with LPL Financial in Hunt Valley, MD, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He has worked at LPL Financial since 2004 and was previously associated with Summit Financial, WS Griffith Securities, Raymond James Financial Services, and Nathan & Lewis Securities. Thamir also provides investment advisory services through his independent firm, Summit Investment Advisors, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment management services, using model portfolios, third-party subadvisors, and customized strategies while combining advisory services with various affiliated financial products and partnerships.

Sean Barwick 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 and MassMutual Life Insurance Co. Outside of his advisory role, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Ross Eagles is a financial advisor at OSAIC with 11 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining OSAIC in 2025, he was with Lincoln Financial Advisors for 11 years. Eagles also works as a client relationship manager at Ellrich Wealth Advisors, where he focuses on trading account reviews and retirement planning updates. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of programs including financial planning, managed portfolios, and retirement plan consulting.

Geoffrey Tomasetti is a financial advisor at Cambridge Investment Research Advisors with 30 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cambridge in 2015, he worked at CUNA Brokerage Services, Banc of America Investment Services, BB&T Investment Services, Blue Vase Securities, M&T Securities, and IFMG Securities. Tomasetti is president of Tomasetti Wealth Management LLC, an independent insurance agency and advisory firm. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management through multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Christopher Goles is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked with Janney Montgomery Scott and currently serves as CEO of Accompany Wealth Partners, an affiliated firm he manages alongside his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings in municipal advising and SIMPLE IRA employer consulting.

Michael Hartman is a CFP®-certified financial advisor at Wells Fargo Advisors with 28 years of industry experience. He previously worked at Wells Fargo Clearing, Citigroup Global Markets, and Legg Mason Wood Walker. Hartman serves on the investment committee for Calvert Hall College High School. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad planning menu that includes retirement, education, risk, and wealth-transfer planning, as well as specialized services like business-owner transition and special-needs analysis.

Richard Grace is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Lincoln Financial Advisors for 24 years. In addition to his advisory role, he owns an LLC established for payroll purposes. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a wide range of brokerage and advisory services with an investment process that emphasizes model-based asset allocation and portfolio optimization.

Nicholas Bennett is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2020 and is also employed as a server and bartender at Costas Inn. Prior to Merrill, he held positions at Bank of America, Exelon, Universal Mortgage & Finance, and Towson University. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Shaw is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has previously been affiliated with Cetera Wealth Services, Cetera Advisor Networks, and HCM Wealth Advisory Group. Outside of his advisory role, Shaw is an elected board member of the Hanover Area Chamber of Commerce and operates an eBay resale business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party money managers.

Carla Carpenter Breeding is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 23 years of experience as a business owner and therapy practice specialist, providing her with a thorough understanding of the financial needs of business owners and healthcare professionals. Carla's expertise encompasses financing and growing practices, succession planning, employee benefits, and longevity planning, integrating considerations of health, family, and home into her financial approach. She is a member of The AJC Group, a team with over 60 years of combined experience in financial services. Carla holds a Master's degree from Shenandoah University and several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, and women and wealth. Residing in Westminster, MD, Carla participates in community activities such as Access Carroll, Taste of Carroll, and the worship team at Lifepoint Church. She spends her spare time traveling and visiting her children.