Timothy Lott is a Series 66-licensed financial professional with 22 years of industry experience, currently affiliated with Cetera and a partner at Paved Wealth Partners, LLC. He has prior experience with Avantax and 1ST Global Advisors and is also a CPA partner at N/L Healthcare Advisory Accounting & Tax LLC, providing accounting and business advisory services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning solutions, overseeing more than $256 billion in assets.

David Sheusi is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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.

John Fuggi is a financial advisor with Robert Baird & Co. in Towson, MD, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. He has worked at Baird since 2023, following nine years at Franklin Distributors LLC and seven years at Legg Mason & Co LLC. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individual, corporate, pension, and charitable clients with services including financial planning, portfolio management, and custody and brokerage. Baird employs a combination of manager-traded and model-traded strategies with ongoing manager selection and monitoring supported by internal research and tools, including artificial intelligence.

Brittany Stafford is a financial advisor at Robert Baird & Co. with one year of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Baird in 2021, she worked at Howard County Public Schools and The Forbush School in Hunt Valley. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed account programs, and custody and brokerage services.

Troy Petry is a financial advisor with Raymond James & Associates in Westminster, MD, holding a Series 66 designation and 23 years of industry experience. He has worked at Raymond James & Associates since 2011 and is involved with Collectors Clubhouse since 2018. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients, offering tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program.

William Dorr is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. In addition to his advisory work, he is an insurance agent offering life, property/casualty, health, and fixed annuity products. 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 provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

William Koras is a CFP® with 30 years of experience in the financial industry. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Prior to Morgan Stanley, he worked at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs that include tailored financial planning and utilizes firm-approved tools and investment committee models to support client strategies.

Bonnie Krosin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and modeling tools, with clients responsible for plan implementation and updates.

John Webster is a financial advisor with MassMutual Investors Services in Hunt Valley, MD, holding Series 66, Series 65, and Series 63 licenses and 26 years of industry experience. He has been with MML Investors Services Inc and MassMutual Life Insurance Company since 2008. In addition to his advisory role, Webster coaches lacrosse at the Webster Lacrosse Academy. MassMutual Investors Services, LLC operates as 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, focusing on structured, goal-oriented client engagements.

Beth Terry is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing financial solutions and personalized wealth management strategies for high net worth individuals, families, and businesses. She focuses on building relationships with clients to understand their risk tolerance, time horizon, liquidity needs, and overall investment goals, enabling her to offer tailored advice across all areas of their wealth management. Beth has been working in the financial services industry since 2006. She holds a Bachelor's Degree from the University of Georgia, where she studied Family Financial Management. Beth is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Series 7, 31, and 66 FINRA registrations. She is also recognized as a Personal Investment Advisor (PIA) and is affiliated with Merrill Lynch. In addition to her professional work, Beth supports community organizations including UMAR, Marian House, and the Boys and Girls Clubs. Her personal interests include boating, golfing, reading, spending time with family, and playing tennis.

Luke Welsh is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Financial, he worked at Goohoo Digital and held teaching positions at Coastal Carolina University and Glenelg High School. 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 retirement plan consulting, utilizing various investment management strategies and supporting technologies.

Clinton Hare is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved in purchasing model homes from a homebuilder, renting them out, and later selling the properties. 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 LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model with both advisory and brokerage/insurance channels to deliver customized client solutions.

Brian Penn is a financial advisor at Robert W. Baird & Co. with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Robert W. Baird since 2009. Penn serves as an Investment Committee Member for Associated Jewish Charities in Baltimore. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and charitable organizations. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, with a focus on customized strategies using both in-house and third-party managers.

Ahmad Bean is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018. His prior work includes roles at Bank of America, Ceasars Entertainment, MV Transportation, and Amazon. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, pension plans, and charitable organizations. The firm is integrated with Bank of America’s broader platform, providing access to a wide range of financial products and services.

David Baitel is a financial advisor with LPL Financial based in Owings Mills, MD, holding Series 65 and Series 63 credentials and 23 years of industry experience. His prior experience includes roles at Metlife Securities, Massachusetts Mutual Life Insurance Company, M&T Securities, and Prudential-affiliated firms. Outside of his advisory work, he designs and sells dog ramps and operates a jewelry wholesale business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kevin Kraska is a financial advisor at Merrill with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Brown Advisory and Janney Montgomery Scott. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s corporate platform, providing access to a wide range of investment products and services.

Joseph Mccann is a financial advisor at Robert W. Baird & Co. with 25 years of industry experience. He has been with Robert W. Baird & Co. since 2009 and holds Series 63 and Series 65 credentials. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies including discretionary management, separately managed accounts, and overlay services.

Sheila Oneill is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, and charitable clients, offering a range of advisory programs with tailored investment strategies implemented through various investment managers and model providers. The firm combines portfolio management, financial planning, and custody services with access to alternative investments and integrated capital markets capabilities.

Corinne Patteson is a financial advisor at RBC Capital Markets with eight years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2018. Prior to this, she worked at Dominium Group Sports, LLC. Patteson serves on the Board of Directors for St. Joseph School in Cockeysville, MD, where she participates in strategic planning and committee work. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors. The firm offers tailored investment strategies through various advisory programs, combining in-house and third-party managers to meet clients' risk profiles and investment objectives.

Todd Binder is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 1999. Additionally, he serves as an insurance agent with Tribridge Partners, LLC, focusing on life, health, disability, fixed annuities, and long-term care insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses a collaborative, annual planning process and offers various specialized planning programs, including recent additions like Divorce Planning.