David Johnston is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a co-trustee and trustee for family trusts. 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 roughly $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party databases.

Garrett Conn is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 65 and Series 63 licenses with eight years of industry experience. Prior to joining Mass Mutual in 2018, he worked at Northwestern Mutual Life Insurance Company and Northwestern Mutual Investment Services LLC from 2017 to 2018 and at Enterprise Holdings from 2015 to 2017. 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 provides financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships without investment discretion, and offers specialized services such as divorce planning and employer-sponsored planning programs.

Sean Carter is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Bankers Life and the University of Maryland, College Park. Merrill, along 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.

Luis Otero Lopez is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 designations and over one year of industry experience. His prior roles include positions at J.P. Morgan Securities, JPMorgan Chase Bank, and Whole Foods. He has also been involved with LSJC Services since 2021. 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 through a network of more than 14,000 financial advisors, offering both brokerage and advisory solutions supported by extensive research and analytics.

Sebastian Buonato III is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley and Wells Fargo Clearing during his career. Outside of his advisory role, he serves as a board member of the Howard County Youth Hockey Club in Columbia, Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs and tailored financial planning supported by firm-approved tools and a structured process.

Mary Mc Carthy Melton is a financial advisor at Merrill with six years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price and Bank of America. Merrill, together with 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Riggin is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and methodologies.

Benjamin Cummins Jr. is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and five years of industry experience. He has worked at Merrill Lynch at Bank of America since 2017, with prior roles including a position at Accent Vending and time at Salisbury University. He currently serves as Treasurer of Trojanwood Golf Club, a small family-oriented golf club. 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 strategies for individuals, high-net-worth clients, and institutional investors.

Andrew Miller is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, he worked at Charter Financial Group and has been involved with Honeywood Rentals, a party and event rental business, as an inventory manager and installer. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Brian Horn is a CFP® with 29 years of industry experience. He is currently with OSAIC and previously worked for Lincoln Financial Advisors Corporation for 29 years. Outside of his advisory role, he owns a car wash business and is involved in managing business funds through Heritage Financial Consultants, LLC. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering comprehensive financial planning and a variety of portfolio management programs. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supporting both discretionary and advisor-managed strategies.

John Cox Jr. is a financial advisor at Ameriprise with 22 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory work, he engages in freelance writing and art, submitting short stories, poetry, and artwork for contests and publication. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal 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 one year of industry experience. She holds a Series 66 designation and has previously worked at Year Up School and Chercher Restaurant. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

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.

Ashley Mikhail is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to joining MassMutual Life Insurance Company and Mass Mutual Investors Services in 2025, Ashley worked at Northwestern Mutual in various capacities from 2023 to 2025 and spent eight years at CarMax. Outside of advisory work, Ashley owns and operates a daycare franchise, KK's Early Impressions LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes ongoing, collaborative planning relationships supported by firm-approved analytical tools and provides specialized offerings such as divorce planning and event-driven estate and employer-sponsored planning services.

Donna Ridley is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has 23 years of industry experience, including over 24 years with Wachovia Bank, N.A. and 10 years at Wells Fargo Clearing. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

John Charlton is a Series 66-licensed financial advisor with six years of industry experience. He is currently with OSAIC and previously worked at firms including Lincoln Financial Advisors Corporation and Fidelity Investments. Outside of his advisor role, he serves as a Planning Analyst for Maller Wealth Advisors. OSAIC Wealth serves a diverse client base ranging from individual investors to corporate clients, offering brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization.

Alicia Mosebrook is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and seven years of industry experience. Her background includes roles at AXA Advisors, Clearone Advantage, Johns Hopkins Hospital, Mary Kay, and The Pennsylvania State University. Outside of her advisory work, she serves as vice president of the Thunderbolt Society and works part-time at Wyndham Gettysburg in an event support role. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm offers a range of investment programs through its network of Investment Adviser Representatives, utilizing third-party managers and curated advisory models.