Edward Feduke is a CFP® professional with five years of industry experience, currently serving with Cetera. His prior work includes roles at Guardian Life Insurance Company, Park Avenue Securities, and multiple mortgage firms. Outside of his advisory duties, he volunteers as a college funding coach. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services and allows advisors to implement model portfolios, select third-party managers, or create customized strategies.

Jonathan Giannino is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2022, also spending time at Bank of America, N.A. since 2024. His work history includes a range of roles outside finance, including positions at social and retail companies. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Matthew Mc Govern is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as the president of the Wiltondale Improvement Association Board. Ameriprise is an institutional firm that offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team and algorithmic tools to generate tailored, tax-efficient recommendations.

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.

Helen Haile is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Year Up School and managed a restaurant named Chercher. She also has experience as a self-employed professional and held a position at Addis Ababa University. 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.

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.

Purvi Patel is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Her prior work history includes roles at Bank of America, N.A. and First National Bank of PA, as well as experience outside finance at the Pillai Coaching Institute. 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 managed by internal CIO teams and third-party style managers. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ashley Mikhail is a financial advisor with MassMutual Investors Services, holding Series 65 and Series 63 licenses and with two years of industry experience. Prior to joining MassMutual, she worked at Northwestern Mutual in various capacities from 2023 to 2025 and spent eight years at CarMax. Outside of her advisory role, she owns and operates a daycare franchise, KK’s Early Impressions LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, structuring planning engagements as annual collaborative relationships using firm-approved tools and analyses.

Donna Ridley is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC and over two decades at Wachovia Bank, N.A. 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 process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

John Charlton is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 license and has worked previously at Lincoln Financial Advisors Corporation, Fidelity Investments, Equitable Advisors, and AXA Advisors LLC. Outside of his advisory role, he is employed as a Planning Analyst with Maller Wealth Advisors. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing a range of tools such as asset-allocation models and automated rebalancing to manage portfolios across various asset classes.

Michael Niedzwiecki is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise since 2005, including its affiliated entities, and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in computer services and software development through Step3, Inc. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Thomas Finney is a Senior Financial Advisor at Merrill Lynch Wealth Management, specializing in balance sheet management for businesses, families, and individuals. He has over 40 years of experience in wealth management, providing expertise in investment management, trust and estate planning services, liquidity strategies, banking, lending through Bank of America, and philanthropy. Mr. Finney's professional background includes senior roles at US Trust in Baltimore, Wilmington Trust, and SunTrust Bank. He holds a Bachelor's degree from Ohio Wesleyan University and a Master's degree from Johns Hopkins University. He also holds the Personal Investment Advisor (PIA) designation. Outside of his professional work, Thomas is involved with Goodwill Industries of the Chesapeake and Greater Baltimore Medical Center. His personal interests include biking, boating, dancing, skiing, spending time with family, and tennis.

Chris Schiesser is a CFP® professional with 12 years of experience in the financial services industry. He is currently with LPL Enterprise and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He also owns an LLC used for payroll purposes. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory, and brokerage services through an integrated platform that combines various investment and insurance products.

Joseph Brusak is a financial advisor at Cetera with 10 years of industry experience and holds a Series 66 designation. He has held positions at several firms including Avantax and Bluemount Financial, LLC, where he is also the owner of a CPA firm specializing in tax preparation, accounting, payroll, and bookkeeping. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving a diverse client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through multiple program structures and affiliated managers.

Scott Shotto is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has been with various Morgan Stanley entities since 2007. Outside of his advisory role, he serves as the volunteer chairman of The Citadel in Maryland. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Christopher Davis is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for 10 years at F.N.B. Investment Advisors, Inc. outside of his current role beginning in 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by in-house and third-party research and technology.

Ethan Pollack is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he held various roles including positions at JPMorgan Chase Bank and the University of Southern California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm incorporates ESG criteria in its investment recommendations and offers a broad range of product types through its affiliations and regulatory registrations.

Kara Mikotowicz is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to understand clients' financial situations and assist them in working toward their financial goals. She focuses on helping clients develop financial plans tailored to their priorities and aspirations. Kara's professional experience includes roles as a Financial Advisor at American Wealth Strategy Group from 2021 to 2022, a Senior Financial Consultant at T. Rowe Price from 2020 to 2021, and a Financial Consultant at T. Rowe Price from 2019 to 2020. Through these positions, she has gained experience in financial advising and consulting. Outside of her professional work, Kara enjoys family activities, football, golf, pets, reading, and traveling.

James Allotey is a financial advisor with Mass Mutual Investors Services, holding the ChFC® designation and Series 66 license, with 30 years of industry experience. He worked at Metlife Securities Inc. for 21 years before joining Mass Mutual and has been with Mass Mutual Investors Services since 2017. Outside of advising, he maintains a role as a life insurance, health, and fixed annuity agent. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning supported by firm-approved analytical tools.