Larry Holmes Jr. is a CFP® professional with 24 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Holmes is a co-trustee for his grandfather's investment-related trust in Monroeville, NJ. Wells Fargo Clearing provides retirement plan consulting and fiduciary services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Surbhi Satsangi is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has worked at Merrill and Bank of America, N.A., with her current tenure at Merrill starting in 2021. Outside of her advisory role, she is a co-owner of a family rental property business. 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.

Todd Sajauskas is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has worked at Citigroup Global Markets since 2006 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory process.

Michael Feranec is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its advisory services.

Matthew Gue is a Vice President and Financial Consultant at Fidelity, a role he has held since 2025. He partners with clients to understand their unique short and long-term goals and helps build customized financial plans. His approach emphasizes forming strong relationships and delivering a high level of trust and reliability. Matthew has extensive experience in the financial services industry, having worked with Fidelity Investments since 2021. Prior to that, he held several positions at T. Rowe Price from 2013 to 2021, including Financial Consultant, Manager, Investment Specialist, Specialist, and In-Plan Representative. This experience has provided him with a broad understanding of financial consulting and investment management.

Thomas Mccrory is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 65 licenses and totaling 25 years of industry experience. He has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charities. The firm offers customized investment strategies and a range of advisory programs, combining in-house and third-party managers to implement portfolios aligned with clients' risk profiles.

Antonio Marshall is a Series 66-licensed advisor with LPL Financial, bringing 24 years of industry experience. He previously worked at Next Financial Group Inc for 16 years before joining LPL Financial in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Ian Davis is a financial advisor with Ameriprise in Suffield, CT, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, delivering personalized recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with a centralized consulting team to provide tailored, algorithm-supported advice within a broad range of advisory, brokerage, and insurance solutions.

Janis Hofsass is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 43 years of industry experience. Her prior roles include positions at Grove Point Investments, H. Beck, Inc., and National Planning Corporation. Outside of her advisory work, she has served as a taste tester in the food and beverage industry. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, trusts, and charitable organizations, providing financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm offers a range of investment implementation strategies across multiple platforms, with discretionary and non-discretionary options tailored to client objectives and includes proprietary models as well as access to third-party managers.

Richard Cox Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and 22 years of industry experience. He previously worked at Farmers Financial Solutions for 12 years and has been with Raymond James entities since 2017. Outside of his advisory role, he owns and operates Sentinels Financial Group LLC, which provides support and insurance services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm employs tailored, non-discretionary planning supported by analytical tools and serves a large network of advisors, with specialized municipal advisory capabilities and targeted consulting programs.

Robert Boyles is a financial advisor with MassMutual Investors Services in Elkridge, MD, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked at MassMutual Investors Services since 2017 and was previously with MetLife Securities from 2014 to 2017. Outside of his advisory role, Boyles is also an insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing collaborative, goal-oriented planning without discretionary investment authority.

Kimberly Gould is a financial advisor at Morgan Stanley with 15 years of experience at the firm and four years in the industry. She holds a Series 66 designation. Outside of her advisory work, she is involved with Capitol Debate Inc. and Charter Senior Living LLC, an elder care business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

Michael Hopkins is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 credential and over 25 years of industry experience. He has been with Morgan Stanley since 2009 and with the Morgan Stanley Services Group Inc. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Bradley R. Knapp is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Baltimore, MD office. He joined Merrill Lynch in 2001 and has held various roles within the Firm’s Global Wealth and Investment Management Division, including Vice President in the Financial Planning Department at Merrill Lynch Corporate Headquarters and Financial Advisor positions in the Rockefeller Center office in New York City and the San Diego, CA office. Brad's expertise encompasses all aspects of wealth management with a focus on investment selection and planning, retirement income strategies, philanthropic planning, and estate planning strategies. He is a qualified Portfolio Manager who can manage personalized or defined investment strategies on a discretionary basis. His client focus areas include college education planning, family wealth management strategies, retirement planning, philanthropy, portfolio management, small business strategies, tax minimization, and retirement income. Brad holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the CERTIFIED INVESTMENT MANAGEMENT ANALYST® (CIMA®) professional designation. He is registered with FINRA Series 7 and 66 securities licenses, holds a State of Maryland insurance license, earned a Bachelor of Science degree in small business with a minor in consumer economics from the University of Vermont, and obtained a Master's degree in financial and tax planning from San Diego State University. Outside of work, Brad lives in Cockeysville, MD with his wife Amber and their four sons. He spends time hiking, skiing, playing golf, coaching youth lacrosse, and serves as a qualified Alpine Patroller with the National Ski Patrol.

Matthew Riggin is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and methodologies.

Alexis Lecouras is a CFP® and holds a Series 66 license, with 18 years of experience in the financial industry. She has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including various types of households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Peter Ocasio IV is a CFP® with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He previously served seven years in the U.S. Army with the Department of Defense at TSC Central MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and offers a variety of advisory programs and investment strategies, operating under a fiduciary standard.

Steven Hoffman is a financial advisor with Ameriprise based in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory work, he has ownership interests in a non-investment-related business called Pair of Queens. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning with written recommendations and ongoing advice, using proprietary research and tools within a defined investment framework.

Brooke Myers is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked previously at RBC Capital Markets and TD Bank. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct financial planning and corporate financial planning agreements.

Elizabeth Bafford is a financial advisor with RBC Capital Markets in Towson, MD. She holds a Series 66 designation and has one year of industry experience. Prior to joining RBC Capital Markets and City National Bank in 2026, she spent twelve years at Calvert Impact, Inc. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to each client’s risk profile.