Beth Nori is a CFP® professional with nine years of experience in financial advisory services. She currently works at Kestra Advisory Services, LLC and Kestra Investment Services, LLC, having previously held roles at Red Oak Financial Group, LPL Financial LLC, and Brotman Financial. Her experience includes assisting lead advisors with client financial planning. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients. The firm offers services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients that include large institutional investors and sovereign wealth funds.

Jennifer Viglucci is a financial advisor at William Blair with 30 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at William Blair since 2019, having previously spent 12 years at Brown Advisory Securities. In addition to her advisory role, she serves as Treasurer of the Roland Park Civic League, a civic governing body in Baltimore. William Blair’s Private Wealth Management division offers discretionary and non-discretionary investment management, financial planning, and wealth services to individuals, foundations, pension, and corporate clients. The firm emphasizes active, research-driven strategies across multiple asset classes and provides proprietary models and access to private funds and co-investment opportunities.

David Brooks Jr. is a Series 66-licensed advisor with T. Rowe Price Advisory Services, Inc. He has seven years of experience with T. Rowe Price and four years in the financial industry overall. His prior work includes roles at Acre Mortgage, NFM Lending, Bayshore Mortgage Funding, and Dinosaur BBQ. T. Rowe Price Advisory Services offers a retirement-focused advisory service combining goals-based financial planning, retirement income planning, and discretionary investment management, primarily for individual investors and households. The firm uses proprietary mutual funds and ETFs alongside tax-aware strategies and provides financial plans supported by Monte Carlo simulations and ongoing reviews.

Scott Patterson is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. He holds a Series 66 designation and previously worked at Raymond James & Associates for 15 years. Outside of finance, he performs live music at events such as weddings. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs through a combination of in-house and third-party portfolio management.

Sarah Flora is a ChFC® credentialed financial advisor with 11 years of industry experience. She has worked at AE Wealth Management, LLC since 2017 and previously spent four years at Everest Wealth Management and Everest Investment Advisors, Inc. Flora is also an officer at Flora & DiPaula Wealth Partners, where she is involved in insurance sales. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that combines AEWM-managed, third-party, and advisor-managed models.

Michael Medinger is a CFA® charterholder with five years of industry experience. He has worked at Truist Advisory Services since 2021 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank. Medinger is based in Hunt Valley, MD. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Annie Morrison is a financial advisor with Commonwealth Financial Network and holds Series 63 and Series 65 licenses. She has 27 years of industry experience and is also the owner of Zuma Financial Advisors, a firm she established in 2013 to facilitate securities, advisory, and insurance services. Her prior work includes positions at LPL Financial and TIAA-CREF. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages about $212.7 billion in client assets. The firm offers a broad platform including managed-account programs, access to third-party asset managers, and custodial services.

Kevin Somerville is a financial advisor with Independent Financial Partners in Baltimore, MD. He holds a Series 66 designation and has one year of industry experience. His prior work includes roles at Somerville Investments, Colorado College, and Constellation Energy. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm serves individual, charitable, corporate, and high-net-worth clients with a decentralized advisory model and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Joseph Stumbroski is a financial advisor with J.W. Cole Advisors, Inc. in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His career includes roles at Cambridge Investment Research Advisors and operating Stumbroski & Associates, Inc., a separate business focused on traditional insurance sales. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, financial planning, access to third-party managers, and multiple managed account solutions utilizing both discretionary and non-discretionary investment approaches.

Onyekachi Okoroafor is a financial advisor at HB Wealth Management with Series 63 and 65 licenses and one year of industry experience. Prior to joining HB Wealth, he worked at Huge Inc., IA Collaborative, and ZS Associates. HB Wealth Management provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm employs a combined quantitative and qualitative due diligence process across various public and private investment strategies and offers services such as outsourced chief investment officer (OCIO) and institutional advisory solutions.

Jennifer Wagner is a financial advisor at HB Wealth with a Series 65 designation and less than one year of industry experience. Prior to joining HB Wealth, she worked in educational roles at Susquehannock Middle and High Schools and attended Coastal Carolina University. HB Wealth Management is a registered investment adviser that provides wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, and family offices. The firm also offers institutional advisory and outsourced chief investment officer services, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

Sean Somerville is a financial advisor at Independent Financial Partners with 17 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Realta Investment Advisors. Somerville owns Somerville Investments, where he manages client portfolios and develops comprehensive financial plans. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm offers a decentralized advisory model, supports multi-advisor platforms, and is notable for its formal retirement-plan advisory and pension consulting capabilities.

Benjamin Defelice is a financial advisor at T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 20 years of industry experience, with 19 years at T. Rowe Price. Outside of his advisory role, he coaches a competitive youth lacrosse team in Maryland. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm employs model portfolio allocations invested exclusively in selected T. Rowe Price mutual funds and ETFs, integrating tax-aware strategies and Monte Carlo-based retirement income projections, with services delivered through a combination of telephone advisor access and an online planning platform.

Malick Ndoye is a financial advisor at T. Rowe Price Advisory Services, Inc. with four years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at PDP Group/Amtrust Financial and Crocs Inc. Outside of his advisory role, he operates a sole proprietorship providing rideshare driving services. T. Rowe Price Advisory Services, Inc. offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm utilizes proprietary model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combining goal-based planning with online tools and ongoing advisor support.

Edward Tune is a financial advisor at Brown Advisory in Baltimore, MD, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been with Brown Advisory since 2013. Brown Advisory provides investment management and advisory services to a diverse range of institutional and individual clients, including high net worth individuals, endowments, pension plans, and corporations. The firm employs a bottom-up, fundamental research approach and offers strategies across equity, fixed income, and balanced portfolios, including sustainable-investment options.

Joseph Shortt is a financial advisor with Empower Advisory Group in Baltimore, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Empower, he worked at Equitable Advisors and has held various roles including positions at Lowe’s, Walmart, and James Madison University. Outside of his financial advisory work, he is involved in the hospitality industry as part of the support staff at Nepenthe Brewing Company. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and retail brokerage clients. The firm’s services integrate proprietary and third-party methodologies focused on long-term portfolio returns and savings rates, delivered through Empower’s recordkeeping and administrative platforms.

Timothy Chesser is a CFP® professional with seven years of experience in the financial services industry, currently affiliated with LPL Financial. His prior roles include positions at Williams Asset Management, Commonwealth Financial Network, and Morgan Stanley. Outside of his advisory work, he is a contracted pianist at the Church of the Nativity and also works as a piano instructor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services utilizing model portfolios, third-party asset management, and customized strategies, supported by advanced operational and research tools.

Cole Canuel is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation. He has been with Morgan Stanley since 2025 and has prior experience in various roles including work at Premier Planning Group and MRE Capital. Outside of finance, he has experience at Bert Jabins Yacht Yard. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, emphasizing structured financial planning supported by proprietary tools and models. The firm manages trillions in client assets and offers both direct and employer-based financial planning services.

David Frank is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial services industry, having previously worked at Legg Mason, Deutsche Bank, and Morgan Stanley Smith Barney before joining Merrill in 2013. His responsibilities include portfolio management, wealth planning, and client development. David's expertise encompasses areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) designations. David graduated in 1997 from Mount Saint Mary's University with a bachelor's degree and earned his MBA from Loyola University in 2001. He currently resides in Ruxton with his wife Emmie, their son Connor, daughter Abby, and dog Gus. He serves on the board of the Greater Ruxton Area Foundation. His personal interests include cooking, golfing, skiing, and spending time with his family.

Kevin Botsford is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. His work history includes tenures at UBS Financial Services and Bank of America, along with over 20 years at Merrill Lynch, Pierce, Fenner & Smith Incorporated. 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 offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.