Christopher Saba is a Financial Advisor with Merrill Lynch Wealth Management and a member of The Farcosky Group. He provides strategic financial guidance to individuals, families, and business owners, focusing on areas such as family wealth management, legacy planning, personal retirement planning, and tax minimization. Christopher emphasizes understanding clients' life priorities to create personalized financial plans tailored to their goals and aspirations. Christopher holds a Bachelor's Degree in Economics from the University of Maryland. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bilingual in English and Arabic, he collaborates closely with tax and legal professionals to develop tax-efficient strategies that support long-term wealth building. Committed to community involvement, Christopher serves as a chapter advisor for the Theta Chi Fraternity, mentoring college students in leadership and financial literacy. Outside of his professional and community activities, he enjoys boating, cooking, football, golfing, scuba diving, soccer, spending time with family, table tennis, and watching movies.

Stephen Owen III is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Jamie Waldren is a financial advisor with Raymond James Financial Services Advisors, Inc. in Columbia, MD, holding the CFP® designation and Series 63 and 65 licenses. He has 33 years of industry experience, including prior roles at Wells Fargo Clearing and as an owner and author with JN Private Wealth Management. Waldren authored a book titled *Exit on Your Own Terms*. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client assessments and offers multiple implementation options, including brokerage and advisory accounts, with a significant portion of its business conducted on a non-discretionary basis.

Steven Goldberg is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations. Goldberg previously worked at Lincoln Financial Advisors and SunTrust Advisory Services. Outside of advising, he serves as a notary public. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios with a wide range of investment options.

Roberta King is currently serving as Vice President and Branch Leader at Fidelity Investments, a position she has held since 2020. She is focused on hiring, training, and developing a team of financial professionals committed to a purpose of helping people. Roberta's career at Fidelity Investments spans nearly two decades, beginning as a Full Trader in 2005. She progressed through roles including Private Client Specialist, Branch Service Manager, and Assistant Branch Manager before assuming her current leadership role. Her extensive experience within the company encompasses various facets of financial services and branch management. Outside of her professional responsibilities, Roberta enjoys a range of personal interests such as board games, hiking, painting, tennis, traveling, and yoga.

Steven Roth is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Commonwealth Financial Network, Severn Financial Advisors, and Cambridge Investment Research. Roth is also involved in fixed insurance sales conducted from his branch location. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management options and financial planning services through a large network of independent advisors, managing over $256 billion in assets.

Carson Henry is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he held positions in various fields including technology at Varonis and legislative work with a member of the House of Representatives. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through a variety of third-party programs and platforms. The firm utilizes a hybrid referral and implementation model that incorporates both advisory and brokerage channels.

Anthony Bonacci is a financial advisor at RBC Capital Markets with 16 years of industry experience. He holds the Series 66 designation and has previously worked for Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Outside of his advisory role, he is the president and sole member of Gone Phishin’, LLC. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, alongside various portfolio management options.

Timothy Moore is a financial advisor at Wells Fargo Clearing with seven years of industry experience. He holds a Series 66 designation and has worked at several firms, including ICMA-RC Services, PNC Investments, Morgan Stanley, Allstate Financial Services, Edward Jones, and Capital Group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions grounded in modern portfolio theory. The firm’s services include investment policy statement preparation, investment recommendations across various product types, performance reporting, participant education, and plan benchmarking.

Perry Hepworth is currently a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2013, progressing through various positions including Vice President and Branch Leader from 2019 to 2025, Assistant Branch Manager from 2018 to 2019, Branch Service Manager from 2015 to 2018, and General Management Apprentice from 2013 to 2015. With over 12 years of experience in the financial services industry, Perry's approach centers on understanding each client's story, values, and vision to provide tailored financial strategies. His work is grounded in building relationships based on trust and transparency, guiding clients through every stage of their financial journey. Outside of his professional life, Perry's personal interests include fitness, military service, parenthood, pets, and traveling.

Deeybid Juarez Campos is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials. He has been with Wells Fargo since 2023 and has prior experience working at Sweetgreen, Inc. from 2015 to 2024. 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.

Thomas Marney Jr. is a ChFC®-designated advisor with 45 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at Metlife Securities Inc. for 27 years and has been involved with MassMutual Life Insurance Company since 2016. Outside of his advisory role, he operates an insurance brokerage. Mass Mutual 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 provides financial planning, asset management, wrap and money-manager programs, and educational seminars.

Olujimi Ijandipe is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 65 and Series 66 credentials and 13 years of industry experience. His prior roles include positions at Credit Agricole Corporate and Investment Bank and AXA Advisors. Equitable Advisors serves a wide range of clients, including individuals, high-net-worth, retirement plan, corporate, charitable, and institutional clients, by providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through program sponsors and third-party managers, offering both advisory and brokerage solutions.

Stephen Porter is a Planning Consultant at Fidelity Investments, where he partners with local advisors to co-create financial plans tailored to clients' goals. He focuses on understanding client priorities to help guide their financial planning process. Stephen has been with Fidelity Investments since 2023, progressing through roles including Financial Services Representative, Financial Representative, Relationship Manager, and currently Planning Consultant. Prior to his tenure at Fidelity, he worked in the mortgage industry with positions at The Federal Savings Bank, NewRez LLC, Capital Bank, N.A., Sierra Pacific Mortgage Company, and NewDayUSA from 2017 to 2022. Outside of his professional career, Stephen has interests in baseball, football, golf, fitness, family activities, and parenthood.

Chinonye Omoruyi is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds the Series 66 designation and has previously worked at JPMorgan Chase Bank, Bank of America, Merrill Lynch, and SunTrust Bank. Outside of her advisory role, she is a recording artist. Wells Fargo Advisors provides investment advisory services and financial planning to individual, corporate, and institutional clients, offering both brokerage and advisory solutions supported by extensive research and a broad product platform.

Michaela Gutmann is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Wells Fargo and Bank of America, including roles at Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory 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.

Vickie Faulkner is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 designation and 18 years of industry experience. She has been with RBC Capital Markets 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 charitable organizations. The firm offers multiple advisory programs with customized portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Molleda Koy is a financial advisor at Morgan Stanley with 23 years of industry experience and holds a Series 66 designation. She has worked at Morgan Stanley Smith Barney LLC since 2013. Outside of her advisory role, she is involved with THE NIGHT WATCHMAN LLC, a casting crew business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by proprietary tools and established investment committees.

Robert Norton is a financial advisor at Merrill with 13 years of industry experience. He holds the Series 66 designation and has worked with both Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated for over a decade. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies from its Chief Investment Office and affiliated managers within the Bank of America platform.

Brian Conrad is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Edward Jones since 2002. He holds Series 63 and Series 65 licenses. Outside of his advisory role, Conrad is involved in maritime assistance as an occasional captain for Tow Boat U.S. Annapolis Baltimore/Middle River and holds positions on the Anne Arundel County Ethics Board and Police Accountability Board. He is also the owner of Oakley Aviation, LLC, established for aircraft ownership. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.