Andrew Goetz is a financial advisor at Cetera with 15 years of industry experience and holds a Series 66 designation. He has worked with Cetera since 2023 and has prior experience at firms including Lincoln Financial Advisors and Ameriprise Financial Services. Outside of his advisory role, he is president of LTC Specialists, LLC, where he markets and sells fixed insurance products. Cetera is an SEC-registered adviser that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers diversified portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Karen Johnson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing Services since 2018 and has been with Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Clarence Murray III is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management delivers a broad range of advisory programs to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning incorporates structured discovery conversations and approved planning tools, offering services through its Financial Advisors and Estate Planning Strategies Group.

Ilghar Samadzadeh is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials. He has been with Wells Fargo Clearing since 2025 and has prior experience at Wells Fargo Bank, NA, as well as roles at George Washington University, Vaco LLC, and Macy’s. 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, utilizing research from its Investment Institute and third-party sources.

Thomas Petty is a financial advisor at Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2020. Prior to his career in finance, Petty spent several years with Four Seasons Hotels and Resorts and also operated a moving and hauling business. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and planning services through its network of financial advisors.

Andrew Poffel is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 license with eight years of industry experience. His prior work includes positions at Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Jeremiah Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and beginning his advisory career in 2025. His prior work experience includes roles at Wells Fargo Bank, FedEx, Macy’s, Kohl’s, and several educational institutions. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Brian Avrunin is a financial advisor with Ameriprise in Columbia, MD, holding a Series 66 designation and 25 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as Treasurer for the Friends of Scott Berkowitz, MD campaign, managing campaign finance reporting independently of Ameriprise. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies to provide non-discretionary, personalized recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

John Burkhardt is a financial advisor with Raymond James Financial in Severna Park, MD, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Raymond James Financial since 2009 and affiliated with Raymond James Financial Services since 2007. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses non-discretionary planning tailored to client goals, employing risk profiling and analytical tools, and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Neyci Sued is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Wells Fargo Bank, Sandy Spring Bank, Capital One Bank, and Check Cash Depot. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Joan Livingston is a financial advisor at RBC Capital Markets with 26 years of industry experience. She has worked at RBC Capital Markets since 2021 and previously spent 18 years at Merrill and two years at UBS Financial Services. Outside of her advisory role, she teaches yoga and meditation, including classes at a local public library. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base comprising individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Dwight Ferguson is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Inc. and Questar Asset Management. In addition to his advisory role, he is involved in mortgage lending facilitation, insurance agency leadership, and business exit planning strategies through his firm, Ferguson Financial Group. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage, investment advisory services, financial planning, and retirement plan consulting through a large network of affiliated advisors and multiple advisory platforms.

Brian Clifford is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017. His prior experience includes roles at Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. Clifford is also active as a licensed life insurance and health agent. 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, emphasizing collaborative, goal-oriented planning supported by advanced analytical tools.

Jeffrey Carlson is a financial advisor at Ameriprise with nine years of industry experience. He holds the Series 66 designation and has been with Ameriprise in various capacities since 2016. Carlson is also the owner of CAWM Services LLC, through which he manages his advisory business. Ameriprise serves clients primarily through its retirement-income planning service aimed at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with clients’ Ameriprise financial advisors.

Joseph Codd is a CFP®-credentialed financial advisor with five years of industry experience, currently with LPL Financial since 2024. He previously worked with Lincoln Financial Advisors and Towne Park LLC, among other firms. 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 variety of advisory and brokerage services, including financial planning and model portfolio programs, supported by a broad platform that combines advanced technology with extensive scale.

Tyler Hammett is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds the Personal Investment Advisor designation. Tyler earned his Bachelor's degrees in International Finance and Economics from The Catholic University of America, Tim and Steph Busch School of Business and Economics. Since 2017, Tyler has worked with executives, entrepreneurs, and attorneys to address complex financial questions related to cash management, wealth diversification, tax minimization, estate protection, and timing of asset liquidation. His approach incorporates a goals-based process complemented by the firm's proprietary Personal Wealth Analysis™ strategy. Outside of his professional work, Tyler is active in community service, including volunteering with Athletes Serving Athletes Anne Arundel Chapter. He enjoys distance running, music, golf, biking, football, hiking, ice hockey, skiing, swimming, and traveling. Tyler is affiliated with the Relay For Life organization.

Laura Mcauley is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2010 to 2019 before joining Ameriprise in 2019. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, supported by a centralized retirement-income consulting team.

Walter Johnson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 designations and over 43 years of industry experience. He has worked at Raymond James since 2020 and previously spent multiple years at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory role, Johnson is a partner in a family farming operation with his spouse. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm offers tailored, non-discretionary consulting using risk profiling and analytical tools, and supports various advisory programs with a broad network of advisors.

John Rohe III is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 designations and possessing 12 years of industry experience. He has worked at Equitable Advisors since 2014 and was previously with Axa Advisors LLC. He also operates under the DBA Phoenix Private Wealth. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, providing financial planning, retirement plan consulting, and a variety of asset-management programs. The firm utilizes a network of Investment Adviser Representatives and relies on third-party advisory models and programs to tailor solutions for clients.

Tyler Sullivan is a financial advisor with Raymond James & Associates holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James, he worked at Kestra Investment Services and Kestra Advisory Services. He has additional experience with Hornor, Townsend & Kent and Equitable Advisors. Outside of finance, he has been involved with lacrosse-related organizations, including True Baltimore Lacrosse and East Coast Dyes Lacrosse Company. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutions, and municipalities, offering financial planning and advisory services through various specialized programs and investment strategies.