Jeffrey Carlson is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as president of Nexus Group, Inc., a legal entity through which his staff is employed. Ameriprise provides a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Jacob Keller is a Financial Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch after graduating cum laude from Penn State University's Smeal College of Business with a degree in Finance. He began his career with the firm as an intern and transitioned to a full-time advisory role following graduation, progressing through the advisor development program. Jacob holds the Chartered Retirement Planning Counselor (CRPC) and Accredited Wealth Management Advisor (AWMA) designations, as well as a Personal Investment Advisor (PIA) designation. He focuses on providing thoughtful and personalized wealth management services, assisting individuals and families with complex financial decisions. His areas of expertise include education planning, executive and equity compensation services, family wealth management strategies, liquidity management, retirement income, tax minimization, and portfolio management. Residing in the Dupont Circle neighborhood of Washington, DC, Jacob pursues various recreational interests including biking, swimming, running, hiking, and traveling to explore new countries and cultures.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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.

Steven Dannenmann is a financial advisor at LPL Financial with 36 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Wise Financial Group. Outside of his advisory work, he is a professional poker player who also authors investment-related content. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and various investment strategies.

Andrew Seested is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and has worked previously at Truist Wealth, Wells Fargo Bank, and BNY Mellon Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing discretionary and non-discretionary management supported by proprietary and third-party research.

John Kunisch is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at W&S Brokerage Services, Western and Southern Life, and Spark Investments LLC. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Tina Hines is a financial advisor with LPL Financial in Hanover, MD, holding a Series 66 designation and one year of industry experience. Her prior work includes 14 years at Bank of America and ongoing roles at Tower Federal Credit Union since 2020. She is also a business owner of US Clothing LLC, operating a uniform supply company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including high-net-worth investors, retirement plans, banks, and charitable organizations. The firm provides a range of advisory programs and financial planning services through a national network of representatives, utilizing diversified investment strategies and various portfolio management technologies.

Michael Heigh Jr. is a financial advisor at Edward Jones in Columbia, MD, holding a Series 66 designation with nine years of industry experience. He has worked at Edward Jones since 2016 and previously spent two years at Bank of America. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Zachary Scott is a financial advisor with LPL Financial in Columbia, MD, holding a Series 66 credential and five years of industry experience. He previously worked at NewDay Financial LLC and RagingBull.com LLC. Outside of his advisory role, Scott is involved in community service through The Arc of Central Chesapeake Region, assisting persons with disabilities, and serves as a high school baseball coach for the Howard County Public School System. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and brokerage solutions, utilizing model portfolios, research, and various management approaches.

Robert Carrozza is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He previously worked at Bank of America/Merrill Lynch for 18 years before joining J.P. Morgan in 2026. He holds a Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Richard Welsh is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. He has 35 years of industry experience and has been associated with Private Advisor Group, LLC and LPL Financial since 2011. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management along with access to model portfolios and research.

Andrea Franklin is a financial advisor with Merrill in North Bethesda, MD, holding Series 63 and Series 65 credentials and 18 years of industry experience. She previously worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. Outside of her advisory role, Franklin is involved in a make-up and skin care business as a part-time distributor and assists with accounting and social media for her husband’s custom woodworking sole proprietorship. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment management with broader banking services, including lending and custody.

Paul Gladkowski is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2014, including his current role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides tailored planning primarily in an advisory capacity.

Matthew Alton is a financial advisor at OSAIC with two years of industry experience and holds the Series 66 designation. His prior work includes roles in the restaurant industry as well as academic and service positions. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various advisory platforms and legacy program transitions.

Shreya Tiwari is a financial advisor at Cetera with 15 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Advisors and First National Bank of Pennsylvania. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

George Konstantas Jr. is a financial advisor at Primerica Advisors with 40 years of industry experience. He holds Series 65 and Series 63 licenses and has been associated with Primerica since 1985. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies developed by unaffiliated asset managers.

Dustin Youngstrom is a Series 66 credentialed financial advisor with five years of industry experience, currently with Thrivent Investment Management. Prior to his current role, he worked at Howard County General Hospital and Grace Community Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm’s planning services can be combined with managed accounts under a consolidated billing option but remain separate offerings.

James Cannon is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with UBS Financial Services since 1987. Outside of his advisory role, he serves as a trustee for family trusts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory activities.

Patrick Clark is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and has been with Cetera and Cetera Investment Services LLC since 2020. Prior to his financial career, he had diverse work experiences including roles outside the industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary authorities across multiple program structures.

Joseph Schmerling is a financial advisor with Cetera, holding CFP® and Series 66 credentials and bringing 10 years of industry experience. His prior roles include positions at Avantax Investment Services and 1st Global Advisors, as well as managing Schmerling Financial Group. He serves on the boards of a local Torah school and the Mikvah Emunah Society, contributing through volunteer and finance committee roles. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and retirement services, employing a multi-manager platform with discretionary and non-discretionary programs.