Ryan Williams is a CFP® professional with four years of industry experience, currently with Raymond James Financial in Columbia, MD. He has been with Raymond James Financial Services since 2021 and has prior experience in both public sector and energy-related roles. Williams also works as a branch associate at Wagenerlee LLC, where he handles client inquiries and executes requests. 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, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to project potential outcomes and supports municipal and public finance through a unique affiliated municipal advisory arrangement.

Michael Beaumont is a CFP®-designated financial advisor with Wells Fargo Clearing, based in Columbia, MD. He has 17 years of industry experience and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as an executor for his grandmother’s estate. 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 combines research and analytics with a wide range of brokerage and advisory solutions.

Lawrence Singer is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His career includes multiple tenures at Ameriprise and a four-year period with Howard County Fire and Rescue. Outside of advising, he owns and operates Gathering Roots Farm, managing all aspects of farming. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice, using proprietary research and third-party data to guide asset allocation and withdrawal strategies.

Walter Hrab is a financial advisor with Ameriprise in Clarksville, MD, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Greyson Boozer is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and eight years of industry experience. He has previously worked at AXA Advisors, Raymond James, and Verdence, and he operates a separate business under the name Firstrust Financial Resources. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party advisory programs.

Glenn Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He has been with LPL Financial since 2018 and previously worked at INVEST Financial Corp. for nine years. Livingston is also the owner of GL&ML, LLC, a non-investment related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Nolan Karfonta is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and has worked at multiple firms including Bank of America, Merrill, and Raymond James Financial Services. Outside of his advisory roles, he has held positions at Elon University and in the restaurant industry. 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 clients. The firm uses a tailored, non-discretionary approach supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Wade Zancan is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and over 24 years of industry experience. He has worked with Cetera and its affiliates since 2013 and is also involved with Resonant Financial Management as a senior partner. Outside of his advisory roles, he manages financial services operations and works as a sales associate and client relationship manager with other financial firms. Cetera Investment Advisers LLC is an SEC-registered advisor serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and retirement services with various program structures and access to affiliated and third-party managers.

Aaron Lekarz is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors LLC, since 2014. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory solutions.

Gavin Derro is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked for PW Media for twelve years. 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, pension plans, corporations, and charitable organizations.

Abdirahim Isaq is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing Services, LLC since 2018 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, including a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Adrian Peralta is a Series 66-licensed financial advisor with seven years of industry experience. He has worked at Equitable Advisors since 2019, following a one-year tenure at Axa Advisors, Llc, and prior roles in protective services and union work. He is based in Columbia, MD. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models.

Kaveh Montazer is a financial advisor with OSAIC, holding a Series 66 designation and two years of industry experience. His prior work includes roles at StoneBridge Advisors, Inc., Coppermine Fieldhouse LLC, and Illiano's J&P, as well as a period as a full-time student. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and flexibility in strategy implementation.

Ishioma Ikukaiwe Ekanem is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo in 2022, Ekanem worked at PNC Bank and United Bank for Africa PLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.

Eliza Socito Balubar is a financial advisor at Primerica Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Primerica since 2014. Prior to her current role, she was employed at the University of Maryland Medical Center from 2006 to 2018. In addition to her advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of discretionary separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap fee structure rather than fixed fees.

Jordan Banks is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at Bank of America, JPMorgan Chase Bank, and Truist Financial. Banks also has experience with Western Governors University and the University of Maryland - College Park. Merrill 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, pension plans, corporations, and charitable organizations.

Robert Turner Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent a year at UBS Financial Services. Wells Fargo Advisors is a national firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm operates at scale with over 14,000 advisors and $671 billion in assets under management, offering both brokerage and advisory solutions.

Yong Lee is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America N.A. since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nicholas Ibello is a CFP® professional with 13 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Commonwealth Financial Network and Williams Asset Management. Outside of his primary advisory work, he is involved in an insurance brokerage and operates a business entity for tax and investment purposes. 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 range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms, supported by a large network of advisors and advanced operational tools.

Zane VerBrugge is an Investment Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Financial Representative at Fidelity Investments from 2022 to 2023. In his current position, Zane focuses on understanding the unique financial situations of his clients to collaboratively develop financial plans aimed at meeting their future goals and addressing their concerns. Zane leverages the comprehensive investment resources available through Fidelity Investments to assist clients in navigating their financial journeys. His approach centers on becoming familiar with each client's individual financial story to provide tailored investment solutions. Outside of his professional work, Zane has interests in baseball, beach activities, fitness, football, running, and scuba diving.