Samuel Kushner is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. His prior roles include positions at Wells Fargo Advisors, T. Rowe Price, and teaching experience at the University of Maryland and McDonogh School. 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 a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party resources.

Jared Simmons is a Planning Consultant at Fidelity Investments, where he has been working since 2025. In this role, he collaborates with clients to build comprehensive financial plans that help them prepare for and pursue their fullest retirement. Prior to his current position, Jared served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2023 to 2024. He holds a California Insurance License.

James Straut is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo since 2016, following a prior role at Morgan Stanley from 2001 to 2005. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Nicole Dayball is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to her advisory role, she spent time at Salisbury University and Chesapeake High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Destiny Efinda is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Prior to joining Fidelity, Destiny held various positions including roles at Orange Theory Fitness and Towson University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

John Mclaughlin is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliated Private Bank since 2015, following four years at Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning, supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Joann Stout is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2011. 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, managing approximately $2.74 trillion in client assets.

Shelby Smith is a financial advisor with Primerica Advisors in Ellicott City, MD, holding Series 65 and Series 63 licenses with 10 years of industry experience. Smith has a diverse work background including roles at Woodlawn Motor Coach, Schneider National, and United States Postal Service. Outside of advisory work, Smith is a licensed notary public and loan signing agent, and also drives part-time for Lyft. Primerica Advisors manages a large wrap-fee asset management program serving primarily individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery investment strategies managed by unaffiliated asset managers and offers discretionary separately managed account options, with trade execution and custody supported by BNY Mellon Advisors and Pershing.

Linda Schwab is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 36 years of industry experience. She previously worked at M&T Securities for 13 years, PNC Wealth Management for one year, and Mercantile Brokerage Services, Inc. for eight years. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Joseph Shaw III is a financial advisor with Raymond James Financial in Ellicott City, MD, holding a Series 66 designation and over 26 years of industry experience. His prior experience includes roles at Fulton Financial Advisors and The Columbia Bank. Raymond James Financial Services Advisors, Inc. serves individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm provides tailored financial planning and investment consulting, offering non-discretionary guidance supported by analytical tools and a range of advisory programs.

Richard Muller is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill Lynch. He is currently based in Hunt Valley, MD. 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 utilizes structured planning tools and modeling techniques as part of its advisory process.

Alexander Dodge is a financial advisor at Equitable Advisors with Series 66 credentials and no prior industry experience. He has held various roles outside the financial sector, including positions at The Home Depot and the University of Maryland’s Department of Recreation and Wellness. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party program sponsors to deliver investment solutions.

Jeffrey Motsco is a CFP® professional with 33 years of industry experience, currently affiliated with Cetera. His prior roles include positions at VOYA Financial Advisors and operating his own firm, Motsco Financial And Insurance, for 30 years. He serves as treasurer of the Columbia Business Exchange, a networking group, and is president of the Linden Grove Homeowners Association. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Callum Redman is a financial advisor at Raymond James Financial Services Advisors, Inc. with a Series 66 designation and three years of industry experience. He has worked with Richard Wagener and Wagener-Lee LLC since 2022 and has prior experience at Salisbury University and Howard Community College. Redman is also involved in administrative duties for Richard Wagener’s support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports a large advisor network with specialized services such as municipal advising and SIMPLE IRA Employer Advisory programs.

Bokah Worjoloh is a financial advisor with Primerica Advisors in Reisterstown, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Primerica Financial Services since 2003 and has a background in commercial construction from 2014 to 2017. Worjoloh also owns Worjoloh Financial Solutions Corp., an entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered percentage-based wrap fee structure.

Robert Kamya is a financial advisor with Wells Fargo Clearing in Washington, DC, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 14 years of industry experience, including prior roles at PNC Investments from 2011 to 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non‑qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. 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.

Matthew Tew is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include positions at Merrill, Bank of America, and Morgan Stanley, along with a one-year tenure at Howard County Public Schools. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s process incorporates both quantitative and qualitative research and may include ESG considerations in its recommendations.

Omar Jennings IV is a Series 66-licensed financial advisor with Equitable Advisors in Columbia, MD, where he has 16 years of experience. Before Equitable Advisors, he worked at AXA Advisors LLC for 10 years. Outside of his advisory role, he is the sole member of Hudson Thomas LLC, a business entity unrelated to investment activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management. The firm’s approach involves matching clients to appropriate program models or discretionary managers, utilizing both proprietary and third-party solutions delivered through a network of advisers.

Raymond Sutton is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and beginning his career in 2025. His prior work includes roles at Turf Valley Resort, Towson University, and community organizations such as the Elkridge Youth Organization. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and various asset management programs, utilizing both in-house and third-party managers to tailor investment solutions.

Mark Blackmer is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at PNC Investments for nine years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.