Andrew Michaels is a financial advisor at HB Wealth with a Series 66 designation and three years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC and WMS Partners, LLC. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, and institutional clients. The firm’s investment approach combines quantitative and qualitative due diligence across a range of public and private strategies and includes managing registered investment companies and affiliated private funds.

Danielle Schwandtner is a financial advisor with Benjamin F. Edwards & Company, Inc., holding Series 63 and Series 66 credentials and 13 years of industry experience. She has previously worked at Merrill Lynch, Pierce, Fenner & Smith and Wells Fargo Clearing. Benjamin F. Edwards & Company is an SEC-registered investment adviser and broker-dealer with approximately 436 advisors and $15.7 billion in client assets. The firm serves individuals, corporations, retirement plans, trusts, foundations, and nonprofit organizations, offering a range of advisory programs and investment management solutions that include firm-developed and third-party model strategies with ongoing oversight.

Michael Valencia is a financial advisor with J.W. Cole Advisors, Inc. in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at J.W. Cole Advisors since 2017 and previously spent four years with Cambridge Investment Research. Outside of his advisory role, Valencia is involved in real estate activities, including property leasing and managing a realty LLC. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm provides portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Carrie Jarmer is a financial advisor with Janney Montgomery Scott in Towson, MD, holding a Series 66 designation and with 19 years of industry experience. She has been with Janney Montgomery Scott since 2004. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base with brokerage, financial planning, consulting, and advisory programs, offering investment advice through a combination of in-house portfolio management and third-party managers.

Zachary Reichenbach is a CFA® charterholder with experience at Kestra Advisory Services LLC since 2025. His prior roles include positions at Paradigm Forensics, LLC, Vallit Advisors, LLC, and Ellin & Tucker. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad mix of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base that includes sovereign wealth funds.

Michael Rouzer is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds Series 66 and Series 63 designations and has six years of industry experience. His work history includes roles at T. Rowe Price since 2019, as well as positions at UPS and Artful Gourmet Bistro. T. Rowe Price Advisory Services, Inc. provides a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households using model portfolios invested exclusively in proprietary T. Rowe Price mutual funds and ETFs.

Sharon Mason is a financial advisor with Truist Advisory Services in Hunt Valley, MD, holding a Series 66 designation and seven years of industry experience. Her previous roles include positions at Truist Investment Services, Truist Bank, and PNC Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and uses third-party platforms and manager arrangements, supported by AI-enabled research tools and a dedicated Investment Advisory Group.

Charles Pizzillo is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with T. Rowe Price Advisory Services, Inc., where he has worked since 2023. His prior experience includes roles at Lincoln Financial Advisors Corporation, Park Avenue Securities, Guardian Life Insurance, and Morgan Stanley. T. Rowe Price Advisory Services offers a retirement-focused advisory program combining nondiscretionary goals-based financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, implementing portfolios using proprietary mutual funds and ETFs with a focus on tax-aware strategies and regularly updated financial plans.

Jeremy Flagg is a CFP® with 17 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. in Owings Mills, MD. He has been with T. Rowe Price since 2010. T. Rowe Price Advisory Services, Inc. provides the Retirement Advisory Service to individual investors and households, focusing on retirement goals through a combination of nondiscretionary financial planning and discretionary investment management primarily using T. Rowe Price mutual funds and ETFs. The firm employs tax-aware portfolio management and delivers financial plans with annual reviews supported by an online planning tool and direct advisor access.

Benjamin Ashby is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. His prior roles include positions at T. Rowe Price and TD Ameritrade. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients connected to TIAA-administered retirement plans. The firm distinguishes its planning services from ongoing discretionary management and acts as adviser to a donor-advised fund.

Andrew O'Neill is a CFP® and Series 66-licensed advisor with Janney Montgomery Scott, based in Towson, MD. He has two years of industry experience, with his professional background including roles at Janney Montgomery Scott since 2023 and prior experience at the University of Alabama and in catering and education. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage, financial planning, consulting, and multiple advisory programs, with investment advice delivered through a combination of in-house and third-party portfolio management.

Beth Nori is a CFP® professional with eight years of experience in the financial services industry. She is currently affiliated with Kestra Advisory and Kestra Investment Services, LLC, having joined in 2022. Her prior experience includes roles at Red Oak Financial Group, LPL Financial, Brotman Financial, and United Capital Financial Advisors. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a diverse range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education, supported by due diligence and a variety of management platforms.

David Brooks Jr. is a Series 66-licensed advisor with T. Rowe Price Advisory Services, Inc. He has seven years of experience with T. Rowe Price and four years in the financial industry overall. His prior work includes roles at Acre Mortgage, NFM Lending, Bayshore Mortgage Funding, and Dinosaur BBQ. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management, primarily for individual investors and households. The firm uses proprietary mutual funds and ETFs alongside tax-aware strategies and provides financial plans supported by Monte Carlo simulations and ongoing reviews.

Scott Patterson is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. He holds a Series 66 designation and previously worked at Raymond James & Associates for 15 years. Outside of finance, he performs live music at events such as weddings. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs through a combination of in-house and third-party portfolio management.

Sarah Flora is a ChFC® credentialed financial advisor with 11 years of industry experience. She has worked at AE Wealth Management, LLC since 2017 and previously spent four years at Everest Wealth Management and Everest Investment Advisors, Inc. Flora is also an officer at Flora & DiPaula Wealth Partners, where she is involved in insurance sales. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that combines AEWM-managed, third-party, and advisor-managed models.

Michael Medinger is a CFA® charterholder and holds Series 63 and Series 65 licenses. He has four years of industry experience, currently working at Truist Advisory Services since 2021. Prior to that, he was with Wells Fargo Clearing and Wells Fargo Bank, N.A. from 2010 to 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation and investment policy analysis, plan sponsor fiduciary support, participant advice, and a manager-selection program, implementing advice through discretionary and non-discretionary arrangements while integrating multiple affiliates and using AI-enabled research tools.

Annie Morrison is a financial advisor with Commonwealth Financial Network in Hampstead, MD, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. She has been with Commonwealth and her own firm, Zuma Financial Advisors, LLC, since 2013 and 2016 respectively, and previously worked at LPL Financial, LLC from 2011 to 2016. Morrison is the owner of Zuma Financial Advisors, an entity facilitating securities, advisory, and insurance businesses. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, allowing affiliated advisors discretion in portfolio construction and access to managed model portfolios and various customized investment solutions.

Kevin Somerville is a financial advisor with Independent Financial Partners in Baltimore, MD. He holds a Series 66 designation and has been active in the industry since 2025. Prior to his advisory role, Somerville’s background includes varied positions at organizations such as Colorado College, Constellation Energy, and The Whiting-Turner Contracting Company. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent advisors. The firm offers a decentralized advisory model with options for centralized asset management and specializes in retirement-plan advisory and pension consulting services.

Joseph Stumbroski is a financial advisor with J.W. Cole Advisors, Inc. in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Cambridge Investment Research Advisors and operating Stumbroski & Associates, Inc., a separate business focused on traditional insurance sales. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, financial planning, access to third-party managers, and multiple managed account solutions utilizing both discretionary and non-discretionary investment approaches.

Onyekachi Okoroafor is a financial advisor at HB Wealth Management with Series 63 and 65 licenses and one year of industry experience. Prior to joining HB Wealth, he worked at Huge Inc., IA Collaborative, and ZS Associates. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a combined quantitative and qualitative due diligence process across various public and private investment strategies and offers services such as outsourced chief investment officer (OCIO) and institutional advisory solutions.