Benjamin Kellar is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and six years of industry experience. He has worked at UBS Financial Services since 2017 and previously spent time at Morgan Stanley and Johns Hopkins University. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services. The firm uses proprietary capital market assumptions and research from its Chief Investment Office and UBS Global Research to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Matthew Conant is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, he worked for seven years at The St. Paul's Schools. He serves as Treasurer for St. John the Baptist Episcopal Church in York, PA, where he manages the church’s financial affairs and coordinates with its Finance and Investment Committee. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans and portfolio management services. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory programs.

Michael Blum is a financial advisor at Primerica Advisors with Series 65 and Series 63 licenses and 34 years of industry experience. He has been with Primerica Financial Services since 1999. 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 clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-based recommendations managed by unaffiliated asset managers.

Perry Fong is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. He has been with RBC Capital Markets since 2009. Fong serves on the Board of Directors for Saint Agnes Healthcare, a faith-based full service hospital in Baltimore. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, alongside integrated capital markets and lending capabilities.

Stephen Schmidt is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank since 2023, Charles Schwab since 2022, and previously at TD Ameritrade from 2006 to 2022. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment approaches supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

John Darlington III is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at Wells Fargo Clearing Services, Inc. for seven years before joining Raymond James in 2021. He also serves as CEO of Seahawk Investments LLC, a company established primarily for managing business expenses. Raymond James Financial Services Advisors, Inc. serves a broad client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and asset-allocation analysis, with a distinctive focus on non-discretionary advisory services.

Julia Wagner is a financial advisor at LPL Financial with Series 66 credentials and two years of industry experience. Her prior work includes roles at Drumgoole Financial Services, JT Mummert, and Community Services Group, as well as experience outside finance in theater and retail. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, research, and various investment management options.

Kevin Hoy is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. His prior work includes roles at First National Bank, Prosperity Home Loans, and Stearns Lending, as well as a period of self-employment. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a nationwide network of about 23,701 financial advisors and 15,121 branches. The firm offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Chris Fanto is a financial advisor at LPL Enterprise with a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise, he held positions at The 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 through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products.

Patrick Chairs is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and nine years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Worthington Financial Partners, Equity Services Inc, and GolfTEC North Bethesda. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory and brokerage services, access to model portfolios and third-party asset management programs, combining adviser programs with the sale of financial products including insurance through affiliated entities.

Robert Symonds is a CFP®-designated financial advisor with 18 years of industry experience, currently with LPL Financial since 2024. He previously worked at Lincoln Financial Advisors for 13 years. Symonds maintains business entities for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm offers various financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support from LPL Research and third-party subadvisors.

Oliver Arnold is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Mass Mutual, and Metlife Securities. Arnold also has an ongoing affiliation with Prudential-sponsored non-variable insurance products. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services. The firm combines investment advisory programs with brokerage and insurance product sales on an integrated platform, utilizing LPL’s research, model portfolios, and third‑party asset managers.

Anne Fink is a financial advisor at Morgan Stanley with 44 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Fink serves as a trustee and co-trustee for several trusts and is a member of the investment committee for the Baltimore Hebrew Congregation, overseeing the performance of their investments. Morgan Stanley Wealth Management offers a wide range of advisory programs for both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual relationships and corporate financial planning agreements.

James Ramirez is a financial advisor with LPL Financial in Towson, MD, holding Series 63, Series 65, and Series 66 credentials and 12 years of industry experience. His prior work includes roles at M&T Bank, MassMutual Life Insurance Co., Berkshire Hathaway Home Services, Long & Foster, and Kline Capital Management LLC. Outside of his advisory work, he has served as a soccer referee since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Mark Liguori is a financial advisor at Raymond James Financial with 12 years of industry experience. He previously worked at Edward Jones for five years before joining Raymond James in 2019. He is the CEO of Liguori Financial LLC, a separate business entity. Raymond James Financial Services Advisors, Inc. serves a broad client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation analysis and firm research to develop tailored financial plans.

James Sterling is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 designations and possessing 31 years of industry experience. He has been with Raymond James since 2014. Sterling serves as a trustee managing investment accounts for a family trust and is president of a support company, Sterling Wealth Services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored advice supported by firm research and a broad affiliate network.

Michelle Mullinix is a financial advisor with OSAIC holding a Series 66 designation and 10 years of industry experience. She previously worked for Lincoln Financial Advisors Corporation for nine years before joining OSAIC in 2025. Mullinix also provides client and account support as a registered assistant with Fuchs Financial, Inc. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, unified managed accounts, and access to multiple third-party money managers and wrap programs.

Nicholas Bonomolo is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously at MetLife Securities from 2014 to 2017. Outside of his advisory role, he owns Bonomolo Planning, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser operating as a subsidiary of MassMutual. The firm serves individuals, business owners, trusts, estates, charitable organizations, and employers through ongoing financial planning, asset management, and educational seminars.

Sean Buoye is a financial advisor at Edward Jones in Timonium, MD, with 12 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies, including tax-efficient services and proprietary mutual funds, operating under a fiduciary standard.

Daniel Otakie is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he partners with clients, including affluent families, professionals, and business owners, to provide goals-based wealth management and retirement planning strategies. Working alongside his business partner and a team of specialists, he delivers customized advice and a disciplined investing approach to help clients optimize their financial resources. Since entering the financial services industry in 2005 and joining Merrill in 2008, Daniel has developed expertise in areas such as college education planning, divorce transition planning, defined benefit and contribution plans, personal retirement planning, portfolio management, and retirement income. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Daniel earned a bachelor's degree in Economics from the University of Maryland. Outside of his professional work, Daniel has been involved with the American Heart Association as a Fundraising Coordinator and Team Coach from 2009 to 2020. He also enjoys hiking, music, reading, and watching movies.