Jeffrey Carlson is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as president of Nexus Group, Inc., a legal entity through which his staff is employed. Ameriprise provides a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Charles Hurtt is a financial advisor with Ameriprise in Lutherville, MD, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wells Fargo Advisors. Outside of his advisory role, Hurtt is involved in tax preparation through business ownership. Ameriprise is an institutional firm that offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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 Kunisch is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at W&S Brokerage Services, Western and Southern Life, and Spark Investments LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios.

Antonio Da Costa is a financial advisor at Edward Jones with a Series 66 designation and experience working at Morgan Stanley and New Day Financial. He has been with Edward Jones since 2026. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services, including discretionary and non-discretionary strategies, tax-efficient solutions, and affiliated investment products.

Tina Hines is a financial advisor with LPL Financial based in Hanover, MD. She holds a Series 66 designation and has one year of experience at LPL Financial, along with prior roles at Tower Federal Credit Union and Bank of America. Outside of her advisory work, she owns US Clothing LLC, operating under the name Uniform Pro. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary research and third-party strategies across various account types.

Michael Heigh Jr. is a Series 66-credentialed financial advisor with Edward Jones, based in Columbia, MD. He has nine years of industry experience and has been with Edward Jones since 2016. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a large nationwide network of advisors and branch offices.

Zachary Scott is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at NewDay Financial LLC and RagingBull.com LLC. Outside of his advisory role, he provides personal in-home support for individuals with disabilities through The Arc of Central Chesapeake Region and coaches high school baseball in Howard County. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced research and operational tools.

Richard Welsh is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including UBS Financial Services, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Welsh also operates under the DBA Welsh Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and a large network of advisors.

Matthew Alton is a financial advisor at Osaic with two years of industry experience and holds a Series 66 designation. Prior to joining Osaic, he held various positions including roles in the food service industry and at Towson University. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform that provides brokerage and advisory services, comprehensive financial planning, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various analytical tools and discretionary management options.

George Konstantas Jr. is a financial advisor with Primerica Advisors in Ellicott City, MD, holding Series 65 and Series 63 licenses and bringing 40 years of industry experience. He has been with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices and offers model-based investment strategies supported by third-party asset managers and custodians.

Dustin Youngstrom is a Series 66 credentialed financial advisor with five years of industry experience, currently with Thrivent Investment Management. Prior to his current role, he worked at Howard County General Hospital and Grace Community Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm’s planning services can be combined with managed accounts under a consolidated billing option but remain separate offerings.

Nicholas Smeresky is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models such as Monte Carlo simulations as part of its financial planning process.

Michael Havlik is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 14 years with Metlife Securities Co. Outside of his advisory role, he is an independent insurance agent specializing in health insurance and is a co-owner of Tidecreek Planning, LLC. Mass Mutual Investors Services is 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, structuring planning engagements as annual, collaborative relationships that focus on goal analysis and written recommendations.

Gaurika Kapoor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked at Bank of America, Merrill, and T. Rowe Price Investment Services. Outside of her advisory role, she is a co-owner of a family business called Gaurika Sood. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Scott Manning is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and thorough discovery processes. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Ye Zang is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. Prior to joining Cetera in 2025, Ye was associated with Avantax Advisory Services and Avantax Investment Services. She is also the owner and sole proprietor of Elizabeth Ye Zang, CPA, LLC, which provides tax preparation and accounting services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets across more than 10,000 advisors.

Benjamin Claffee is a Series 66-licensed financial advisor at Equitable Advisors with three years of industry experience. Prior to his current role, he held various positions across different sectors including education and retail. Equitable Advisors serves individual clients ranging from non-high-net-worth to high-net-worth, as well as pension plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and utilizes third-party advisory programs alongside their own offerings.

Jeffrey Grodsky is a CFP®-credentialed financial advisor with 17 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Avantax Investment Services, Carmichael & Associates Inc., and AFC Asset Management Services. In addition to his advisory work, he is involved with Palumbo Financial & Tax Services LLC, where he provides tax preparation and accounting services alongside financial planning. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, access to third-party money managers, and various program structures, supporting both model portfolios and bespoke investment strategies.

Gregory Sherwell is a financial advisor with Edelman Financial Engines in Ellicott City, MD, holding Series 63 and Series 66 designations and bringing 11 years of industry experience. His work history includes roles at Financial Engines Advisors L.L.C. and Edelman Financial Services, LLC. Edelman Financial Engines provides technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines committee-driven modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and a long-term investment approach.