Joseph Dubinski is a financial advisor at Ameriprise with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Ameriprise and its affiliate firms since 2005. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written, non-discretionary recommendation reports. The firm serves clients through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Ishioma Ikukaiwe Ekanem is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo in 2022, Ekanem worked at PNC Bank and United Bank for Africa PLC. 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 advice grounded in modern portfolio theory. The firm includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.

John Farcosky is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2007, he has developed a practice focused on advanced planning relationships with corporate executives of large entities, business owners, corporate retirement plans, and nonprofit endowments. He works with clients to manage wealth planning, investments, private equity, hedge funds, and complex tax minimization strategies, especially around liquidity events. John holds multiple industry designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Certified Private Wealth Advisor (CPWA), and Chartered Retirement Planning Counselor (CRPC). He earned his bachelor's degree from Pennsylvania State University and graduated from Mount Saint Joseph High School. In addition to his professional work, John serves on the board of his alma mater, Mount Saint Joseph High School, and is involved with the Association for Corporate Growth. Outside of work, he enjoys boating, fishing, golfing, and spending time with his family.

Thomas Ofarrell Jr. is a financial advisor at RBC Capital Markets with five years of industry experience. He holds the Series 66 credential and has worked at RBC Capital Markets since 2020. Prior to his current role, he was employed at FOX Sports/Big Ten Network and has served as an assistant varsity baseball coach and Director of Operations for Athletic Performance Incorporated, combining his interests in athletics and coaching with his professional career. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored investment strategies through various advisory programs, employing both in-house and third-party investment managers to meet specific client risk profiles.

Penny Smith is a financial advisor with Primerica Advisors in Crofton, MD, holding Series 63 and Series 65 credentials and eight years of industry experience. She has worked at Primerica Financial Services since 2016 and PFS Investments Inc since 2017, and currently conducts sales of investment-related and home service products through DiGi Financial and affiliated companies. Prior to her financial services career, she worked for Calvert County Public Schools for over 30 years. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and selected separately managed account options primarily for individual and high-net-worth clients. The firm uses a tiered wrap-fee structure and curates third-party asset managers, delegating trading and implementation to BNY Mellon Advisors.

Hunter Stokes is a Financial Advisor with Merrill Lynch Wealth Management, specializing in working with individuals and families to develop personalized strategies for investing, retirement, education, and other important financial goals. He helps clients navigate complex financial topics through a proactive and collaborative approach. Stokes has expertise in areas including education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. He builds relationships based on trust, open communication, and dependable follow-through, serving clients across multiple states. He holds a bachelor's degree from Clemson University and has earned the Personal Investment Advisor (PIA) designation. Stokes is involved with the Clemson Club of Baltimore/Washington, D.C., and Rotary International. Outside of work, he enjoys boating, fishing, football, genealogy, golfing, hiking, skiing, and spending time with his family.

Daniel Klosterman Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2010 and has operated Klosterman & Associates since 1986. In addition to his advisory work, he maintains a CPA practice involved in bookkeeping and tax preparation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced operational tools and a comprehensive financial services platform.

Donald Harrison Jr. is a financial advisor with Raymond James Financial in Severna Park, MD, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. He has been with Raymond James Financial since 2001. Outside of his advisory role, he owns a music business involved in writing, recording, and performing. 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 emphasizes tailored, non-discretionary planning and consulting supported by analytical tools, and is noted for its municipal advisor affiliation and specialized retirement plan services.

Robert Turner Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent a year at UBS Financial Services. Wells Fargo Advisors is a national firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm operates at scale with over 14,000 advisors and $671 billion in assets under management, offering both brokerage and advisory solutions.

Victoria Decker is a financial advisor at Raymond James & Associates with one year of industry experience. She holds the Series 66 designation and has prior work experience including roles at Alex Brown and several non-financial enterprises. Outside of her advisory work, she has been involved with ventures such as Surfing Pig and Solidcore. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base that includes individuals, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

John Feeley is a CFP® with over 31 years of experience in the financial services industry. He has worked at LPL Financial since 2021 and previously spent 18 years with M&T Securities, Inc. Feeley is based in Crofton, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Stephen Minor II is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wachovia Bank, N.A. since 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Timothy Flynn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Avantax Investment Services and Avantax Insurance Agency prior to joining Cetera. Outside of advising, Flynn is involved with Free State Tax Associates, where he provides tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party managers through a multi-manager platform with discretionary and non-discretionary programs.

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.

Stephen Holt is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Summit Financial Group Inc and Summit Brokerage Services Inc. Holt is involved in several nonprofit organizations, serving in leadership and committee roles including president of Friends of the Annapolis Symphony Orchestra and board member of the Anne Arundel County Public Library Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning services, supporting a range of discretionary and non-discretionary investment programs.

James Polucha is a CFP®-certified financial advisor with 26 years of industry experience. He is currently with LPL Financial, where he has worked since 2021. Prior to that, he was with M&T Securities for 16 years and Truist Investment Services, Inc. for 3 years. 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 wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Christopher Mc Garvey is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise since 2005, including its Financial Services division prior to 2020. Outside of his advisory role, he supports advisors in client transitions as an independent contractor for J&R Juergensen, Inc. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional providers.

James Thomas II is a financial advisor with Ameriprise in La Plata, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he co-owns Waypoint Group, LLC, a personal service corporation managing practice employment and payroll services, and serves as president of the Stone Ridge Homeowners Association board. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Gabarra is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Primerica Advisors and Primerica Financial Services since 2023. Outside of financial advising, he owns a self-employed consulting business in Arnold, Maryland. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors using model-based investment strategies managed by third-party asset managers.

Gordon Wallace is a financial advisor at RBC Capital Markets with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill, Bank of America, and City National Bank. Wallace is associated with Wallace Management LLC, a family-held business in which he serves as a signer on the account. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers tailored investment strategies and multiple advisory programs combining discretionary and non-discretionary portfolio management with a range of in-house and third-party investment options.