Behzad Baharloo is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Wells Fargo Clearing with two years of industry experience. His prior roles include positions at Merrill, Regions Bank, and Cetera. He was also involved in a family business, Orelity Family Fund, from 2013 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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.

Scott Mcroy is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Merrill for 33 years before joining Ameriprise in 2009. In addition to his advisory work, Mcroy serves as Vice Chair of the Anne Arundel Medical Center Foundation Board and chairs the foundation’s Finance Committee. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with automated and personalized advice, focusing on assets managed within Ameriprise accounts.

Seth Bergen is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2020, progressing from Investment Consultant to Financial Consultant before his current role. Prior to Fidelity, Seth gained experience as an Investment Advisor at Glass Jacobson, a Wealth Advisor at Sawyer Wealth Management, and a Financial Advisor at AIG Financial Network. Throughout his career, Seth has focused on providing client-first financial planning, working closely with clients and their families to build confident financial futures. His professional journey reflects a consistent commitment to pursuing clients' financial success through strong and lasting relationships. Outside of his professional work, Seth has personal interests that include fitness, golf, playing instruments, motorcycles, snowboarding, and traveling.

Brian Gibbons is a financial advisor with Cetera in Annapolis, MD, holding Series 63, 65, and 66 credentials and 29 years of industry experience. His prior work includes roles at Mass Mutual Investors Services, Mass Mutual, and Metlife Securities Inc. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Bill Polizos is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments LLC, Capital One Advisors, LLC, Capital One Investing, LLC, and Morgan Stanley. Outside of his advisory role, he maintains involvement with Marniso Wealth Advisors Inc., a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Irwin Sobers is a Certified Financial Planner® with 24 years of industry experience. He has worked at LPL Financial since 2008 and previously at Merrill from 2002 to 2008. In addition to his advisory role, he is involved with Tower Federal Credit Union and has an ownership interest in a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing various portfolio strategies and technology tools, and oversees over $819 billion in discretionary assets through a network of more than 22,800 advisors.

Madison Decker is a financial advisor at Raymond James & Associates with the Series 66 credential and four years of industry experience. Prior to joining Raymond James, Decker held roles with the Miami Dolphins and the Miami Open and Hard Rock Stadium. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Marco Rosas Ruiz is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and five years of industry experience. He has worked with Wells Fargo Bank, NA since 2016 and is also involved in managing Timbuktu Restaurant as a cashier. 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 employs a large team of advisors and utilizes research from Wells Fargo Investment Institute along with third-party data to support diversified investment strategies.

Michael Norris is a financial advisor at RBC Capital Markets with 20 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

Matthew McGehrin is a Wealth Management Advisor and Merrill Institutional Consultant with Merrill Lynch Wealth Management. Since joining Merrill in 2007, he has focused his expertise on serving nonprofits, foundations, endowments, and individual clients. His approach emphasizes clear communication and a strategy-first mindset, beginning with comprehensive planning tailored to each client's unique goals and values, with the aim of creating portfolios that withstand market volatility and adapt to changing economic conditions and client circumstances. Matt holds the Chartered Financial Analyst (CFA) designation and the CERTIFIED FINANCIAL PLANNER (CFP) certification. He earned a bachelor's degree in finance from the University of Maryland in College Park. Dedicated to continuous learning, he remains proactive in adjusting client portfolios in response to market developments. In his community involvement, Matt serves on the Board of the Alliance for the Chesapeake Bay and coordinates volunteer efforts for the Alliance's Project Clean Stream, which focuses on improving local waterways through community engagement. He resides in Annapolis with his wife and two daughters.

Margaret Kosmerl is a financial advisor with LPL Financial in Annapolis, MD, holding the Series 63 and Series 65 designations and accumulating 35 years of industry experience. She has been with LPL Financial since 1997. Outside of her advisory role, she is involved with Flight Plan Financial Services and NGFCU Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a platform supporting both discretionary and non-discretionary strategies.

Aaron Troup is a CFP®-certified financial advisor with Ameriprise, based in Arnold, MD, and has 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and EZ Federal Benefits Education. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement with significant investable assets, offering detailed written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools to support its advisory process.

Shamli Mamgain is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Wells Fargo, she held roles at Urban Cooperative Bank Limited and Newbt Teas of London. She is also affiliated with the University of Baltimore. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Tracy Donoho is a financial advisor at Ameriprise with 11 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate firms since 2014. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a centralized consulting team and emphasizes a mix of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Lee is a financial advisor with MassMutual Investors Services in Columbia, MD, holding Series 63 and Series 66 licenses and 30 years of industry experience. He has held roles at Metropolitan Life Insurance Company and MetLife Securities Inc. since 1999 and has been with MassMutual Investors Services since 2017. Outside of advising, he is an agent involved in life and health insurance and owns Metropolitan Wealth Advisors, LLC. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships and provides specialized event-driven planning, including estate settlement and divorce planning.

Kevin Turnock is a CFP® with 31 years of industry experience, currently affiliated with RBC Capital Markets in Annapolis, MD. His prior experience includes over a decade at Morgan Stanley in various private banking roles. Outside of his advisory duties, he is involved in family and personal real estate businesses, holding positions such as limited partner and general partner in several investment-related entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm provides tailored portfolio management and financial planning services through multiple advisory programs, leveraging both in-house and third-party investment managers to meet clients’ Advisory Risk Profiles.

Dejan Vujinovic is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 15 years of experience in wealth management, sales, and finance to his role, focusing on helping clients achieve their financial goals through personalized strategies. Dejan collaborates closely with clients to develop flexible financial plans that respond to changing market conditions and provide access to Merrill's investment insights alongside Bank of America's banking and lending solutions. Dejan holds a Master's Degree and a Bachelor's Degree from University Paris XII. He has earned professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluency in Serbo-Croatian, French, and English enables him to serve a diverse client base. Committed to community engagement, Dejan participates in local volunteer activities inspired by Merrill Lynch’s tradition of community service. Outside of his professional duties, he enjoys basketball, reading, soccer, and traveling.

Brooke Smith is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked at Primerica Financial Services, PFS Investment Inc., DiGi Financial, and the State of Maryland. In addition to advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Ryan Quigg is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 designation and five years of industry experience. His work history includes positions at RBC Wealth Management and RBC Capital Markets, as well as time spent in education and at the Baltimore County Revenue Authority. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Brendan Smith is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and four years of industry experience. His prior work history includes positions at Merrill Lynch and Clemson University. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party managers. The firm’s approach involves assessing client information and risk tolerance to match clients with suitable program models or discretionary managers.