Nicholas Ibello is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 66 licenses. He has 13 years of industry experience and previously worked at Commonwealth Financial Network and Williams Asset Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Zane VerBrugge is an Investment Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Financial Representative at Fidelity Investments from 2022 to 2023. In his current position, Zane focuses on understanding the unique financial situations of his clients to collaboratively develop financial plans aimed at meeting their future goals and addressing their concerns. Zane leverages the comprehensive investment resources available through Fidelity Investments to assist clients in navigating their financial journeys. His approach centers on becoming familiar with each client's individual financial story to provide tailored investment solutions. Outside of his professional work, Zane has interests in baseball, beach activities, fitness, football, running, and scuba diving.

Samuel Downs is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has held positions outside of finance, including roles at Idaho Falls Chukars and UMBC. 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 various third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored investment solutions.

Stephen Holt is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Summit Financial Group Inc and Summit Brokerage Services Inc. Holt is involved in several nonprofit organizations, serving in leadership and committee roles including president of Friends of the Annapolis Symphony Orchestra and board member of the Anne Arundel County Public Library Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning services, supporting a range of discretionary and non-discretionary investment programs.

Leah Ruffner is a financial advisor at Merrill with a Series 66 designation and nine years at the firm, totaling 19 years of industry experience. She is based in Columbia, MD. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

James Polucha is a CFP® professional affiliated with LPL Financial, bringing 26 years of industry experience. He has worked with M&T Securities since 2005 and joined LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Christopher Mc Garvey is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise since 2005, including its Financial Services division prior to 2020. Outside of his advisory role, he supports advisors in client transitions as an independent contractor for J&R Juergensen, Inc. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional providers.

James Thomas II is a financial advisor with Ameriprise in La Plata, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he co-owns Waypoint Group, LLC, a personal service corporation managing practice employment and payroll services, and serves as president of the Stone Ridge Homeowners Association board. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Gabarra is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica since 2023. Prior to his current role, he was self-employed as a consultant and has experience working with Washington Spirit Soccer. He is also involved in non-investment business activities, including consulting and referrals related to home security and automation products. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-based investment strategies developed by third-party asset managers, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Chris Cunningham is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as the Senior Resident Director of the Columbia, MD office. Since 1987, he has been helping clients pursue their financial goals through disciplined investment and retirement planning. He works with corporate executives, business owners, and affluent families to provide personalized investment advice tailored to their evolving financial needs. Chris’s expertise spans a range of areas including corporate executive services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, and investment strategy for both individuals and corporations. He applies over 40 years of combined financial services experience through the Cunningham/Fredricks Group, focusing on risk management, tax minimization strategies, private business succession planning, and advanced planning for liquidity events. He holds a Bachelor of Science in Business from Mt. Saint Mary's College and holds professional designations as a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Chris resides in Glenwood, Maryland with his wife and five children. In his free time, he enjoys golfing, sailing, boating, tennis, and supporting various charitable endeavors.

Gordon Wallace is a financial advisor at RBC Capital Markets with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill, Bank of America, and City National Bank. Wallace is associated with Wallace Management LLC, a family-held business in which he serves as a signer on the account. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers tailored investment strategies and multiple advisory programs combining discretionary and non-discretionary portfolio management with a range of in-house and third-party investment options.

Robert Holland is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, his work history includes roles in the hospitality sector and time as a student at the University of Delaware. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing a delivery model that incorporates LPL-sponsored programs and endorsed third-party managers.

Griffin Siegfried is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has been with Equitable Advisors since 2026. His prior experience includes roles at The Witherspoon Group and various positions outside the financial industry. 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, offering both advisory and brokerage channels to implement client recommendations.

Michael Sughroue is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Merrill since 2022 and previously held roles at Bank of America, N.A. and Python Talent Advisors. Outside of finance, he is an employee and bartender at Stoney River Steakhouse and Grill in Annapolis, Maryland. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Chase Stewart is a financial advisor at Raymond James & Associates with three years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2022. Outside of his advisory role, Chase occasionally works part time as a server for Sage Catering, a company specializing in food preparation and event coordination. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and municipal entities—and offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Gregory Rooney is a financial advisor at Ameriprise with six years of industry experience. He previously worked at the US Army Audit Agency and James Allen. Rooney serves on the Board of Directors for Carroll Manor Elementary School PTA and is Vice President of the Tuscarora Junior Titans. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations.

Michael Achatz is a financial advisor with MassMutual Investors Services, holding ChFC® and securities licenses including Series 63, 65, and 66, and has 26 years of industry experience. He previously worked at METLIFE Securities Inc. for 14 years before joining MassMutual Investors Services in 2017. He is also an owner and partner of Metropolitan Wealth Advisors, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also conducts educational seminars.

Michael Costigan is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. His other business activities include ownership of Advisor99, which supports his Ameriprise practice. Ameriprise provides a retirement-income planning service targeting clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Matthew Pepe is a financial advisor at LPL Enterprise with a Series 66 designation and five years of industry experience. He has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services supported by proprietary research, model portfolios, and third-party management. The firm integrates adviser programs with other financial products, including insurance and collateralized lending.

Gregory Milburn is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding a Series 66 designation and bringing 19 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.