John Haley is a financial advisor with Ameriprise in Timonium, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, algorithm-assisted retirement advice, primarily for clients with assets held in Ameriprise Managed Accounts.

Alan Becke is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and held positions at MetLife Securities Inc. and Metropolitan Life Insurance Company from 1992 to 2017. In addition to his advisory role, he is also an insurance agent specializing in life and health insurance. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, using firm-approved software to analyze client goals and deliver written recommendations.

Haider Thamir is a financial advisor with LPL Financial in Hunt Valley, MD, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He has worked at LPL Financial since 2004 and was previously associated with Summit Financial, WS Griffith Securities, Raymond James Financial Services, and Nathan & Lewis Securities. Thamir also provides investment advisory services through his independent firm, Summit Investment Advisors, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment management services, using model portfolios, third-party subadvisors, and customized strategies while combining advisory services with various affiliated financial products and partnerships.

Sean Barwick is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. His prior work includes roles at Equitable Advisors and MassMutual Life Insurance Co. Outside of his advisory role, he is also active as an insurance broker specializing in life, disability, long-term care insurance, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, focusing on collaborative annual planning engagements using firm-approved analytical tools.

Adam Chavis is a financial advisor at Cetera with 25 years of industry experience and a Series 66 designation. He has held roles at Avantax and currently serves as an accounting manager at Daco Construction Corporation and as a trustee of the Seska Peck Ramberg Irrevocable Trust. Chavis also maintains an active legal and accounting practice as an attorney and CPA. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager investment platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Ross Eagles is a financial advisor at OSAIC with 11 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining OSAIC in 2025, he was with Lincoln Financial Advisors for 11 years. Eagles also works as a client relationship manager at Ellrich Wealth Advisors, where he focuses on trading account reviews and retirement planning updates. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, providing a range of programs including financial planning, managed portfolios, and retirement plan consulting.

Geoffrey Tomasetti is a financial advisor at Cambridge Investment Research Advisors with 30 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining Cambridge in 2015, he worked at CUNA Brokerage Services, Banc of America Investment Services, BB&T Investment Services, Blue Vase Securities, M&T Securities, and IFMG Securities. Tomasetti is president of Tomasetti Wealth Management LLC, an independent insurance agency and advisory firm. Cambridge Investment Research Advisors, Inc. serves individual and institutional clients, including pension and charitable organizations, by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management through multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Christopher Goles is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked with Janney Montgomery Scott and currently serves as CEO of Accompany Wealth Partners, an affiliated firm he manages alongside his advisory role. 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 investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings in municipal advising and SIMPLE IRA employer consulting.

Michael Hartman is a CFP®-certified financial advisor at Wells Fargo Advisors with 28 years of industry experience. He previously worked at Wells Fargo Clearing, Citigroup Global Markets, and Legg Mason Wood Walker. Hartman serves on the investment committee for Calvert Hall College High School. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad planning menu that includes retirement, education, risk, and wealth-transfer planning, as well as specialized services like business-owner transition and special-needs analysis.

Richard Grace is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Lincoln Financial Advisors for 24 years. In addition to his advisory role, he owns an LLC established for payroll purposes. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a wide range of brokerage and advisory services with an investment process that emphasizes model-based asset allocation and portfolio optimization.

Nicholas Bennett is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. He has worked at Merrill since 2020 and is also employed as a server and bartender at Costas Inn. Prior to Merrill, he held positions at Bank of America, Exelon, Universal Mortgage & Finance, and Towson University. 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 offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Benjamin Shaw is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has previously been affiliated with Cetera Wealth Services, Cetera Advisor Networks, and HCM Wealth Advisory Group. Outside of his advisory role, Shaw is an elected board member of the Hanover Area Chamber of Commerce and operates an eBay resale business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party money managers.

Carla Carpenter Breeding is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 23 years of experience as a business owner and therapy practice specialist, providing her with a thorough understanding of the financial needs of business owners and healthcare professionals. Carla's expertise encompasses financing and growing practices, succession planning, employee benefits, and longevity planning, integrating considerations of health, family, and home into her financial approach. She is a member of The AJC Group, a team with over 60 years of combined experience in financial services. Carla holds a Master's degree from Shenandoah University and several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, and women and wealth. Residing in Westminster, MD, Carla participates in community activities such as Access Carroll, Taste of Carroll, and the worship team at Lifepoint Church. She spends her spare time traveling and visiting her children.

Kevin Reeg is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Edward Jones, The Huntington Investment Company, Citizens Bank, and Merrill. He is also involved with Kinnect Advisors, providing financial services, and works as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and custom strategies, managing over $256 billion in assets.

Asher Furst is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, AsherFurst.com, and involvement with community and educational organizations such as The Voice of Lakewood and Kollel of Greenspring Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Robert Rogers is a financial advisor with Wells Fargo Clearing in Hunt Valley, MD, holding Series 63 and Series 65 credentials and 45 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent time at Citigroup Global Markets in 2008. 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 and analytics grounded in diversification principles and modern portfolio theory.

Dale Waters Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Waters is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Raymond Sheedy is a Certified Financial Planner® with 17 years of industry experience. He is currently with Morgan Stanley, having held prior roles at Merrill and Bank of America. His recent positions include working at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models in its financial planning process.

Randall Becker is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm uses model-driven investment implementation and offers access to third-party asset managers and insurance products through affiliated entities.

Jordan Thompson is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked at T. Rowe Price and held various positions outside the financial sector, including roles related to global health supply chain management. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.