Samuel Downs is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has two years of industry experience. Prior to joining Equitable Advisors, he held roles at Idaho Falls Chukars, UMBC, Monrovia Mart, Food Lion, US Business Service, Stevenson University, and Linganore High School. 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 various asset-management programs, utilizing both proprietary and third-party solutions through a broad network of Investment Adviser Representatives.

Leah Ruffner is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2007, totaling over 16 years in various roles within the firm. Merrill, together 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 model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chris Cunningham is a Wealth Management Advisor at Merrill Lynch Wealth Management and serves as the Senior Resident Director of the Columbia, MD office. He has been assisting clients with disciplined investment and retirement planning since 1987. His work primarily focuses on corporate executives, business owners, and affluent families, providing personalized investment advice and guidance to balance their future needs with their current lifestyles. Chris's expertise encompasses a range of wealth management areas including corporate executive services, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, managing new wealth, personal retirement planning, portfolio management services, and individual and corporate investment strategy. He also specializes in advanced planning such as pre- and post-IPO planning for executives, concentrated stock strategies, tax minimization, estate planning, private business succession, and planning for monetization and liquidity events. He holds a Bachelor of Science degree in Business from Mount Saint Mary's College and holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Chris resides in Glenwood, Maryland with his wife, Kathy, and their five children. Outside of his professional responsibilities, he enjoys golfing, sailing, tennis, and spending time with his family. He also supports various charitable endeavors.

Robert Holland is a financial advisor at Equitable Advisors in Columbia, MD, holding a Series 66 designation. He joined Equitable Advisors in 2026 and has prior experience in the hospitality industry as well as entrepreneurial work with Unwind on the Water. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing both firm-offered programs and third-party asset managers.

Griffin Siegfried is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation. He began his advisory career in 2026 and previously worked at The Witherspoon Group. Outside of finance, his background includes roles in the hospitality industry at establishments such as Macky's Bayside Bar & Grille and Mike's Crabhouse. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and partners with third-party managers to deliver investment solutions.

Kevin Wenger is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and three years of industry experience. He previously worked at T. Rowe Price and has experience in multiple sectors including energy services and education. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning advice. The firm’s approach includes collaboration between a centralized service team and financial advisors, utilizing proprietary research and algorithmic tools to address asset allocation and withdrawal strategies within a distinctive investment framework.

Charlene Monts is a financial advisor at OSAIC with 31 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Securities America Advisors, Inc., Investacorp Advisory Services, and Merrill. Outside of advising, she is President and CEO of Monts Enterprises LLC, a business consulting firm specializing in app development, technology solutions, and real estate consulting. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment process relies on model-based asset allocation and portfolio optimization supported by various analytical tools, and it is notable for its scale, recent consolidation, and complex affiliate structure.

Gregory Rooney is a financial advisor at Ameriprise with six years of industry experience. He previously worked at the US Army Audit Agency and James Allen. Rooney serves on the Board of Directors for Carroll Manor Elementary School PTA and is Vice President of the Tuscarora Junior Titans. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations.

Michael Costigan is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. His other business activities include ownership of Advisor99, which supports his Ameriprise practice. Ameriprise provides a retirement-income planning service targeting clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Ramone Qureshi is an advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and less than one year of industry experience. His prior work includes roles at Wells Fargo Bank, Veritas Protection LLC, and several retail and educational institutions. 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Kevin Cook is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He has been with Equitable Advisors and its predecessor AXA Advisors since 2016. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management services. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers, offering a range of mutual funds, ETFs, separately managed accounts, and alternative investments.

Yair Natanov is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 16 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Natanov serves as CEO of NIV Advisors, a business related to his LPL activities. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is typically model-driven, utilizing portfolios developed by LPL’s Research Department, third-party strategists, or TAMP sponsors.

Kara Fox is a financial advisor with Merrill in Columbia, MD, holding a Series 66 credential and 12 years of industry experience. She has worked at U.S. Trust Bank of America since 2014. Outside of her advisory role, she holds a power of attorney position for a separate entity. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Cindy Hyde is a financial advisor at Morgan Stanley Wealth Management with nine years of industry experience. She holds a Series 66 designation and has previously worked at Wealth Enhancement Brokerage Services, LPL Financial, and Vintage Financial Partners. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using firm-approved tools and methodologies.

Charles Ransom is a CFP® professional with four years of industry experience, currently affiliated with MassMutual Investors Services. He has worked at MassMutual Investors Services since 2021 and also has experience with ClearView Wealth Advisors and NY Life Securities. Outside of finance, he is a part owner of Website Whales LLC, a website design business. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and provides a variety of event-driven planning services.

O Emmanuel Adepoju Grace is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and previously worked for Citizens Securities, Inc. for eight years. Outside of his advisory role, he is the author of the book *The Roadmap of the Gospel of Jesus*. 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 a range of brokerage and advisory solutions supported by research and analytics.

Richard Plant Jr. is a financial advisor with Ameriprise in Arnold, Maryland, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Ameriprise and its affiliated entities since 1996. Outside of his advisory role, he owns a beekeeping business called Richard's Raw Honey. Ameriprise is a large institutional firm that offers retirement-income planning services targeted at individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports, primarily for clients holding assets in Ameriprise-managed accounts.

Kenneth Handy is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 designations and having 20 years of industry experience. He has been with Equitable Advisors since 2011, following prior roles at AXA Advisors, New England Securities, Ameriprise, and First Command Brokerage Services. Outside of advising, he is a member and owner of PPW LLC, a limited liability company established for business expense purposes. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves personalized risk assessment and client matching to advisory models or discretionary managers, utilizing both proprietary and third-party programs.

Stanley Kosack III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 20 years of industry experience and holds a Series 66 credential. His work history includes roles at Merrill Lynch, Bank of America, and NYLIFE Securities, among others. He is also involved with Atlantic Union Financial Consultants, LLC/AUB Wealth Management as a financial advisor. 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 institutions. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

William Morgan III is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Ameriprise and its related entities since 2006. Outside of his advisory role, Morgan serves as Vice President on the Board of Directors for the Vistas at Turf Valley Home Owners Association and participates in the Finance Committee for the Church of the Resurrection; he also owns a consulting business, MNC Management Group, LLC, and is involved in independent insurance brokering. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, offering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through its large institutional platform and utilizes algorithmic automation alongside human oversight to deliver personalized retirement income strategies.