Sean Somerville is a financial advisor at Independent Financial Partners with 17 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Realta Investment Advisors. Somerville owns Somerville Investments, where he manages client portfolios and develops comprehensive financial plans. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm offers a decentralized advisory model, supports multi-advisor platforms, and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Edward Tune is a financial advisor at Brown Advisory in Baltimore, MD, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been with Brown Advisory since 2013. Brown Advisory provides investment management and advisory services to a diverse range of institutional and individual clients, including high net worth individuals, endowments, pension plans, and corporations. The firm employs a bottom-up, fundamental research approach and offers strategies across equity, fixed income, and balanced portfolios, including sustainable-investment options.

Joseph Shortt is a financial advisor with Empower Advisory Group in Baltimore, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Empower, he worked at Equitable Advisors and has held various roles including positions at Lowe’s, Walmart, and James Madison University. Outside of his financial advisory work, he is involved in the hospitality industry as part of the support staff at Nepenthe Brewing Company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage clients. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio returns and savings rates, delivered through Empower’s recordkeeping and administrative platforms.

Timothy Chesser is a CFP® professional working with LPL Financial in Baltimore, MD, with six years of industry experience. His prior roles include positions at Williams Asset Management, Commonwealth Financial Network, and Morgan Stanley. Outside of finance, he is a contracted pianist at the Church of the Nativity and also works as a piano instructor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs and financial planning services supported by research and model portfolios.

Andrew Rutherford is a financial advisor at Raymond James & Associates with a Series 66 designation and three years of industry experience. He previously worked at Morgan Stanley for six years before joining Raymond James in 2022. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

David Frank is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial services industry, having previously worked at Legg Mason, Deutsche Bank, and Morgan Stanley Smith Barney before joining Merrill in 2013. His responsibilities include portfolio management, wealth planning, and client development. David's expertise encompasses areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) designations. David graduated in 1997 from Mount Saint Mary's University with a bachelor's degree and earned his MBA from Loyola University in 2001. He currently resides in Ruxton with his wife Emmie, their son Connor, daughter Abby, and dog Gus. He serves on the board of the Greater Ruxton Area Foundation. His personal interests include cooking, golfing, skiing, and spending time with his family.

Jonathan Wheeler is a financial advisor at Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation with 11 years of industry experience. His prior work includes roles at Bank of America, Merrill, and multiple positions within Morgan Stanley and its related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Carole Leitgeb is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and 18 years of industry experience. She previously worked at Lincoln Financial Advisors, Ameriprise Financial Services, and Resource 1, Inc. Her activities include involvement with Academy Financial, Inc., related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Joseph Browning is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. Joseph holds a Bachelor's Degree from McDaniel College and has earned professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He works closely with clients to develop personalized financial strategies aligned with their unique goals, emphasizing simplicity and transparency throughout the wealth planning process. Outside of work, Joseph enjoys cooking, golfing, and spending time with his family.

Terrie Kilroy is a Series 66-licensed financial advisor at Morgan Stanley in Baltimore, MD, with nine years of experience in the industry. She has been with Morgan Stanley since 1999. Outside of her advisory role, she operates a photography business called TK Shots and works as a cosmetics consultant for Rodan and Fields. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their financial planning process utilizes structured discovery conversations and firm-approved tools to model outcomes.

David Grabner is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior work includes roles at Grove Point Investments, Grove Point Advisors, H.P Executive Group, and H. Beck, Inc. Outside of his advisory work, he is involved with a farm business in Glen Arm, MD. LPL Financial serves individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Zachary Garber is a CFA® charterholder and financial advisor with Raymond James & Associates, where he has worked for 10 years and has 13 years of industry experience overall. He is also the CEO of Charm City Dreamers LLC, a podcast focused on interviewing individuals in Baltimore about how they have actualized their dreams. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm provides tailored financial planning and consulting services, utilizing a variety of portfolio management styles and affiliated research, while also offering municipal advisory and employer plan consulting services.

Patrick Hurdle is a financial advisor at Mass Mutual Investors Services with credentials including Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Mass Mutual Investors Services, he worked at JP Morgan and Northwestern Mutual. Outside of advisory work, he is also engaged in outside insurance sales as an insurance broker. Mass Mutual Investors Services, LLC 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, using firm-approved analytical tools to support annual, collaborative client engagements.

Richard Zink is a financial advisor at Robert W. Baird & Co. in Towson, MD, with 45 years of industry experience. He has been with Robert W. Baird since 2009 and holds a Series 63 designation. He is part of The DDK Group, a team within Baird’s Private Wealth Management department that serves individuals, corporate and business clients, pensions and profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, utilizing internal research and a combination of manager-traded and model-traded strategies.

Sarah Santeufemio is a CFP® professional with 18 years of industry experience, currently serving at Mass Mutual Investors Services since 2018. Her prior roles include positions at Eagle Strategies (NY Life) and PNC Investments. She is also involved in individual and group life, health, long-term care, disability insurance, and fixed annuities sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

John Beynon is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Equitable Advisors. His prior roles include positions at Stifel Independent Advisors, City National Bank, and RBC Capital Markets Corporation. Beynon is also involved in family estate and wealth planning entities. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and other endorsed platforms.

Tanner White is a financial advisor with Edward Jones in Aberdeen, MD, holding Series 65 and Series 66 credentials. He has four years of military service in the United States Army and began his career at Edward Jones in 2025. Prior to that, he worked briefly with Ripken Baseball and studied at the University of Southern California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a nationwide network of more than 23,000 financial advisors.

Andrew Hahn is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2020. His previous experience includes roles at Bank of America and Merrill. He is also the majority owner of HAHN GP, LLC, a separate business based in Cockeysville, MD. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. The firm delivers tailored recommendations using proprietary research and planning tools, integrating advisory services with other financial products and referral channels.

Nicholas Moon is a Financial Advisor with Merrill Lynch Wealth Management. He is dedicated to helping individuals, families, and business owners navigate important financial decisions with confidence. Nicholas focuses on building long-term relationships founded on trust, communication, and personalized advice. His expertise includes education planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, and retirement income. Before joining Merrill Lynch, Nicholas began his career as a Financial Auditor at Baker Tilly and later worked as a Corporate Finance Consultant at Deloitte. These experiences provided him with a strong foundation in financial analysis, strategic planning, and complex problem-solving. As a Merrill Financial Advisor, he works one-on-one with clients to define goals and develop portfolio strategies tailored to their needs, providing ongoing advice and adapting plans as situations change. Nicholas earned a Bachelor of Science in Business Administration with concentrations in Finance and Accounting from Elon University. He holds the Chartered Retirement Planning Counselor™ (CRPC™), Accredited Wealth Management Advisor™ (AWMA™), and Personal Investment Advisor (PIA) designations. He speaks English and Korean and enjoys baseball, basketball, football, golfing, hiking, music, running marathons, spending time with family, tennis, and traveling.

David Waite is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He serves as treasurer for the Greater Summer Hill Association, a community organization in Phoenix, MD. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and tailored recommendations supported by Wells Fargo research and tools.