Erika Hudson is a financial advisor at Empower Advisory Group with seven years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Charles Schwab Bank, SSB, Charles Schwab & Co., Inc., and TD Ameritrade, Inc. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm’s approach integrates proprietary and third-party planning methods focused on long-term portfolio returns and client savings rates, delivering services through Empower’s administrative platforms.

Ronald Tydings is a financial advisor with PNC Wealth Management in Bel Air, MD, holding Series 63 and Series 66 licenses with 28 years of industry experience. He has worked at PNC Investments LLC since 2008. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital offering for employees that uses algorithmic risk assessment to recommend investment strategies implemented with mutual funds and ETFs.

Robyn Hawkins is a financial advisor with Empower Advisory Group, holding Series 63 and Series 66 licenses and 14 years of industry experience. Her prior roles include positions at Merrill, Wells Fargo Advisors, and Prudential. Outside of her advisory work, she teaches English to refugee students as an instructor for Strong City Baltimore and serves as an after-school camp leader for Baltimore County Recreation and Parks. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, alongside services for Empower Premier IRA and retail brokerage clients. The firm emphasizes long-term portfolio returns and savings rates in its planning approach and integrates closely with affiliated Empower entities for recordkeeping and brokerage execution.

David Flanders is a CFP® professional with 15 years of industry experience, currently affiliated with Commonwealth Financial Network since 2018. Prior to joining Commonwealth, he worked at 1ST Global Advisors, Inc. and 1st Global Capital Corp from 2010 to 2018. He is also the sole owner of David A. Flanders, CPA, LLC, a tax preparation firm. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a range of advisory programs, operational support, and investment management services, allowing advisors discretion in portfolio construction alongside access to model portfolios managed by Commonwealth’s Investment Management and Research team.

Jeffrey Rogers is a financial advisor with PNC Wealth Management in Forest Hill, MD, holding Series 63 and Series 65 licenses. He has 24 years of industry experience, including 12 years at M&T Securities and nine years at PNC Investments. He is also a principal of Big Country LLC, a non-investment-related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm uses algorithmic risk assessments and third-party portfolio management to implement investment strategies primarily via mutual funds and ETFs.

John Goles is a financial advisor with Janney Montgomery Scott in Bel Air, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Janney Montgomery Scott since 2013. Outside of his advisory role, he serves as Treasurer on the Finance Committee for Boys Hope Girls Hope Baltimore, a nonprofit supporting at-risk youth. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide range of clients, including individuals, families, trusts, and institutions, providing brokerage services, financial planning, and advisory programs through a combination of in-house and third-party portfolio management.

Bryan Tiger is a financial advisor at PNC Wealth Management with 14 years of industry experience. He previously worked at Bank of America and Merrill from 2011 to 2024. He holds the Series 66 designation. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary online Portfolio Solutions Strategist Digital Offering available as an invitation-only pilot for employees. The program uses algorithmic risk assessment and approved model strategies managed by PNC or third-party strategists, primarily investing in mutual funds and ETFs with annual rebalancing.

Ronald Fisher Jr. is a financial advisor at Private Advisor Group, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Private Advisor Group since 2012 and LPL Financial since 2011. He also operates Fisher Financial Services, which has been active since 1990, providing financial planning, portfolio management, and educational seminars. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based advisory model using a variety of investment strategies and technology platforms, often implementing advice through third-party managers and managed account programs.

Joseph Conroy is a financial advisor at Private Advisor Group, LLC with 18 years of industry experience. He holds a Series 66 designation and has previously worked at Synergy Financial Group, LPL Financial, and Ameriprise. Outside of advising, he is the author of the book *Decades & Decisions*. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model, utilizing technology platforms and a range of investment strategies while often implementing advice through third-party managers and turnkey asset management platforms.

Michael Valencia is a financial advisor with J.W. Cole Advisors, Inc. in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at J.W. Cole Advisors since 2017 and previously spent four years with Cambridge Investment Research. Outside of his advisory role, Valencia is involved in real estate activities, including property leasing and managing a realty LLC. 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 provides portfolio management, financial planning, access to third-party managers, and various managed account solutions, with investment decisions implemented on discretionary or non-discretionary bases.

Craig Maltese is a financial advisor at PNC Wealth Management with 12 years of industry experience. He holds a Series 66 credential and has held positions at JPMorgan Chase Bank, J.P. Morgan Securities, Bank of America, and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an invitation-only online discretionary model account for employees that uses algorithm-driven risk assessments and invests in mutual funds and ETFs.

Michael Englehart is a CFP®-certified financial advisor with 39 years of industry experience. He is currently with Steward Partners Investment Advisory, LLC and has held prior roles at Raymond James Financial Services and Wells Fargo Advisors. Englehart serves on the finance committee of Sovereign Grace Church and is a committee member for Children of Zion, an orphanage supported by Mt. Zion Church in Namibia. Steward Partners Investment Advisory, LLC is an SEC-registered enterprise-scale RIA managing approximately $36.7 billion in assets. The firm serves individuals, pension plans, corporations, trusts, estates, and charitable organizations, providing a range of advisory, financial planning, and portfolio management solutions through both proprietary and third-party offerings.

Ellie Bockstie is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott. She previously worked at T. Rowe Price and Bankers Life and Casualty. Outside of her advisory role, she coaches girls’ lacrosse teams in the Baltimore area and participates in a local professional women's networking group. Janney Montgomery Scott is a large enterprise firm managing approximately $110 billion in client assets, serving individuals, families, trusts, corporate clients, and municipal entities with a range of brokerage, financial planning, and advisory services.

James Winner is a CFP® with 39 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2015. He is based in Bel Air, MD, and holds Series 63 and Series 65 licenses. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm provides services to a diverse clientele, including individuals, families, trusts, estates, corporate and retirement plan sponsors, and charitable and municipal organizations, offering financial planning, brokerage, and advisory programs.

Sherry Kimball is a financial advisor at Janney Montgomery Scott with 26 years of industry experience. She has been with Janney Montgomery Scott since 2015 and holds Series 63 and Series 65 licenses. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage, financial planning, consulting, and advisory programs.

Elizabeth Plunkett is a financial advisor at Janney Montgomery Scott with 43 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Janney since 2019, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory work, Plunkett serves as a board member for the Rockfield Foundation and is a nominating committee member for the Community Foundation of Harford County. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

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.

Lisa Fulco is a CFP® and ChFC® professional with 27 years of industry experience. She is currently with Allworth Financial, L.P., and previously held roles at Morgan Stanley and TIAA-CREF. Outside of her advisory work, she serves as Treasurer for the Graham Equestrian Center, a nonprofit focused on public involvement in horseback riding, and is a board member for the Ma and Pa Heritage Trail project in Harford County. Allworth Financial is an SEC-registered, fee-based adviser that serves individuals, qualified retirement plans, trusts, estates, and corporate clients. The firm employs customized portfolio strategies including core-satellite, index allocations, and options-based overlays, and accesses held-away employer retirement accounts via proprietary technology.

Tanner White is a financial advisor with Edward Jones in Aberdeen, MD, holding Series 65 and Series 66 credentials. He has four years of military service in the United States Army and began his career at Edward Jones in 2025. Prior to that, he worked briefly with Ripken Baseball and studied at the University of Southern California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a nationwide network of more than 23,000 financial advisors.

Joseph Andersen is a ChFC® credentialed financial advisor with 41 years of industry experience. He currently works at OSAIC and previously held positions at Lincoln Financial Securities Corporation and Independent Advisers Group Corp. Outside of his advisory role, Andersen offers accident and health insurance products through Mullen Andersen & Associates. OSAIC serves a broad range of retail and institutional clients with integrated brokerage and investment advisory services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage diversified portfolios across multiple investment vehicles.