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, holding Series 63 and Series 65 credentials and 35 years of industry experience. He has been with LPL Financial since 2004 and worked at Summit Financial from 2016 to 2025. Outside of advisory work, he is involved as a managing member of GTA Properties, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with model portfolios and research support.

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 CFP® with 11 years of industry experience. He is currently with OSAIC and was previously with Lincoln Financial Advisors for 11 years. Eagles also serves as a Client Relationship Manager at Ellrich Wealth Advisors, LLC, where he is involved in trading account reviews and retirement planning updates. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

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® professional with 27 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors. He has been with Wells Fargo Clearing since 2016 and Wells Fargo Advisors LLC from 2009 to 2016. Hartman serves on the Investment Committee at Calvert Hall College High School, providing oversight of the investment manager and monitoring adherence to the school's investment policy. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm delivers tailored recommendations supported by Wells Fargo research and planning tools and integrates advisory services with other financial product offerings.

Richard Grace is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 credentials and worked for Lincoln Financial Advisors for 24 years prior to joining OSAIC in 2025. Outside of his advisory role, he is involved in offering insurance products including fixed and indexed annuities and traditional life insurance. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, using asset-allocation tools and risk assessment to construct diversified portfolios that may include a range of investment types, managed on either a discretionary or non-discretionary basis.

Nicholas Bennett is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Merrill since 2020 and at Bank of America, N.A. since 2022. Outside of his advisory role, he works as a server and bartender at Costas Inn in Baltimore. 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 a range of individual and institutional clients.

Eric Ross is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and two years of industry experience. Prior to his advisory role, he served eight years in the U.S. Air Force. Ross is also involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, using model-delivery strategies managed by third-party asset managers.

Scott Culiner is a CFP® designated financial advisor with 38 years of industry experience. He has been with Osaic since 2018 and previously worked at Signator Investors, Inc. for 31 years. He is also a licensed Notary Public in the state of Maryland. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple asset classes.

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, focusing on the financial needs of business owners and health care professionals, including financing, succession planning, and employee benefits. She utilizes her health care background to provide clients with expertise in longevity planning and considers how health, family, and home changes relate to their financial situations. Carla holds a Master's degree from Shenandoah University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a member of The AJC Group, which integrates more than 60 years of experience in financial services. Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, and women and wealth. Outside of her professional role, Carla is involved in community activities such as Access Carroll, Taste of Carroll, and the worship team at Lifepoint Church. She resides in Westminster, MD with her husband and two sons and enjoys activities including biking, boating, golfing, music, running, singing, and tennis.

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, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

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 with LPL Enterprise, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC since 2015. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products, utilizing an integrated platform that combines advisory programs with active sales of financial products.

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.