Michael Ford is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His previous roles include positions at Bank of America, N.A. and Merrill. RBC Wealth Management serves a diverse client base ranging from individual investors to institutions and offers a variety of advisory programs with customizable portfolio management and investment options. The firm integrates multiple investment managers and emphasizes a range of services including financial planning, custody, and brokerage.

Scott Falkowitz is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has worked at Ameriprise and its affiliates since 2003, following three years at Merrill. Falkowitz is also the owner and president of SCF Inc, a corporation related to his financial advising practice. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service focused on written retirement-income recommendations and ongoing tax-aware planning.

Philip Defelice is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Wells Fargo Securities and Divine Lifestyle Group. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm utilizes model-driven investment implementation, offers access to third-party asset managers, and provides various financial planning and consulting services.

Beau Horning is a financial advisor at Cambridge Investment Research Advisors with a Series 66 credential and two years of industry experience. Prior to joining the firm, he worked for Samsung Austin Semiconductor for five years. He is also a committee member and volunteer with the Women's Traffic & Transportation Club in Baltimore. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management through multiple platforms and provides proprietary model strategies alongside access to third-party advisers.

Ryan Tuma is a financial advisor with LPL Financial based in Westminster, MD. He holds a Series 65 designation and has prior experience working at KPMG LLP and Tenable, among other roles. His current roles include positions at Puckett and Sturgill Wealth Management, Puckett and Sturgill Financial Group, and PFG Tax, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Barbara Walters is a financial advisor at Equitable Advisors with 14 years of industry experience. She holds the Series 66 and Series 63 designations and has previously worked at RBC Capital Markets and Stifel Independent Advisors. Walters also serves as a State of Maryland Notary. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Avis Fagu is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to that, she worked at Morgan Stanley and its affiliates from 2005 to 2013. 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 from Wells Fargo Investment Institute.

Eric Villamater is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Sarah Cicero is a CFP® with 22 years of industry experience and is currently an advisor at OSAIC. She previously worked at Lincoln Financial Advisors Corp and StoneBridge Advisors, Inc, where she also holds ownership interest. Outside of advisory work, she is registered as an insurance agent offering various insurance products and acts as power of attorney for her mother. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, portfolio management, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and manages accounts through a complex network of affiliates and custodial arrangements.

Timothy O'Brien is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his advisory career, he worked for four years at La Tolteca Mexican Restaurant. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients. The firm supports a range of clients including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Grant Talbot is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Ameriprise, he held roles at Chipotle Mexican Grill, Equitable Advisors, and Kuttin Wealth Management. Outside of his advisory duties, he serves on an alumni board and manages a Peerspace listing for a conference room rental. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized retirement income service that provides written recommendation reports and ongoing planning advice focused on dependable income and tax-aware withdrawal strategies.

Edwin Hogan is a financial advisor with Primerica Advisors, holding the ChFC® designation and a Series 63 license, with eight years of industry experience. His work history includes roles at PFS Investments Inc. since 2017, service in the Army National Guard since 2014, and tenure at Primerica Financial Services since 2013. Outside of advising, he works as a notary public and loan signing agent and has been an Uber driver since 2021. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, operating under a tiered wrap-fee structure.

Patricia Hegberg is a Series 66-credentialed financial advisor with seven years of experience at Thrivent Investment Management and Thrivent Financial. She has served on the boards of Thirstysouls Ministries, which supports missionary work in Haiti and the Middle East, and the Hanover Area Historical Society, which focuses on preserving local history. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning across multiple areas without discretionary portfolio management. Its services are delivered through a network of advisors and include options to combine planning with managed account programs under consolidated billing.

Joseph Williams is a financial advisor with Ameriprise Financial Services LLC, holding Series 66 and Series 63 licenses and three years of industry experience. He previously worked at Raymond James Financial Services Advisors and Chesapeake Wealth Advisors. Outside of finance, he was involved with JTW Fitness LLC for eight years. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Ryan Gutowski is a CFP®-certified financial advisor with 12 years of industry experience, currently practicing at Wells Fargo Advisors since 2020. Prior to joining Wells Fargo, he worked at UBS Financial Services Inc for five years. He is the principal owner of Gutowski Wealth Management LLC and holds minority ownership interests in several other investment-related entities. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services tailored to clients who meet net-worth thresholds. The firm’s approach includes using proprietary research and planning tools to develop customized recommendations across diverse planning areas.

Brandon O'Neill is a CFP®, ChFC®, and Series 66-registered financial advisor with Edward Jones, where he has worked since 2011. He has 15 years of industry experience. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, supported by an extensive network of financial advisors and branch offices nationwide.

Kemol Guy is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America N.A. and Exelon. 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, and institutional investors.

Christopher Maienshein is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America, Pruco Securities, Park Ave Securities, and Guardian. Maienshein is also involved with NFI Financial Planning, a business offering both trading and non-trading financial services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other institutional clients. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with services that include financial planning, access to asset managers, and participation in the Model Wealth Portfolios wrap program.

Jacob Puckett is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has prior work experience with Restoration Presbyterian Church and Princeville Presbyterian Church. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, portfolio management, and institutional platforms to individuals, retirement plan participants, banks, and trust companies. The firm supports its network of over 22,800 advisors with a range of advisory and non-advisory financial services.