Caryl Lyn Mazullo is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 12 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2022. Mazullo is involved with the University of Akron Barker Center for Economic Education. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models.

Ryan Williams is a CFP® professional with four years of industry experience, currently with Raymond James Financial in Columbia, MD. He has been with Raymond James Financial Services since 2021 and has prior experience in both public sector and energy-related roles. Williams also works as a branch associate at Wagenerlee LLC, where he handles client inquiries and executes requests. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to project potential outcomes and supports municipal and public finance through a unique affiliated municipal advisory arrangement.

Michael Beaumont is a CFP®-designated financial advisor with Wells Fargo Clearing, based in Columbia, MD. He has 17 years of industry experience and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as an executor for his grandmother’s estate. 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 combines research and analytics with a wide range of brokerage and advisory solutions.

Lawrence Singer is a financial advisor at Ameriprise with 20 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Ameriprise in various capacities since 2004, with a four-year tenure at Howard County Fire and Rescue in between. Outside of advising, he manages Gathering Roots Farm, where he is involved in all aspects of farming. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on income reliability and tax-aware withdrawal strategies.

John Hill is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. His career includes roles at MML Investors Services, Mass Mutual Life Insurance Company, Eagle Strategies, NyLife Securities, and New York Life Insurance Company. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, goal-oriented planning relationships.

Charles Menk III is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His prior experience includes roles at Tensley Consulting, Inc., Cambridge Investment Research Advisors, Inc., and The MITRE Corporation. He is also president and CEO of The CGMA Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Walter Hrab is a financial advisor with Ameriprise in Clarksville, MD, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Garrett Dearden is a CFP® and holds a Series 66 license, with three years of industry experience. He is currently affiliated with Cetera and also operates Dearden Financial Services LLC, which provides financial services as well as tax and accounting services. Dearden serves on the boards of the Lieutenant Richard W. Collins III Foundation and the Johns Hopkins Howard County Medical Center Foundation, participating in nonprofit activities related to education and community support. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and unaffiliated money managers.

Greyson Boozer is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and eight years of industry experience. He has previously worked at AXA Advisors, Raymond James, and Verdence, and he operates a separate business under the name Firstrust Financial Resources. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party advisory programs.

Glenn Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 23 years of industry experience. He has been with LPL Financial since 2018 and previously worked at INVEST Financial Corp. for nine years. Livingston is also the owner of GL&ML, LLC, a non-investment related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various asset classes.

Dionnie Edwards is a financial advisor at Fidelity with nine years of industry experience. Her prior roles include positions at New York Life Insurance Company, Prudential Insurance Company of America, Equinox, and T. Rowe Price. She is the sole proprietor of Dionnie Speaks LLC, a writing and speaking business focused on blog content and retail services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Michael Schenk is a financial advisor with Morgan Stanley in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory services.

Nolan Karfonta is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and has worked at multiple firms including Bank of America, Merrill, and Raymond James Financial Services. Outside of his advisory roles, he has held positions at Elon University and in the restaurant industry. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses a tailored, non-discretionary approach supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Wade Zancan is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Cetera since 2013 and is also involved with Resonant Financial Management. Outside of his advisory roles, Zancan manages his own financial services businesses and acts as a sales associate and client relationship manager for Hunter Capital, in addition to working as an insurance agent specializing in life, health, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that leverages both affiliated and third-party managers across discretionary and non-discretionary program structures.

Aaron Lekarz is a financial advisor with Equitable Advisors based in Columbia, MD. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. He has worked at Equitable Advisors since 2014 and previously was with Axa Advisors LLC from 2014 to 2020. Equitable Advisors serves individual clients—including both non‑high-net-worth and high-net-worth—along with pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, relying on third-party program sponsors and endorsed advisory platforms.

Gavin Derro is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked for PW Media for twelve years. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Abdirahim Isaq is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing Services, LLC since 2018 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, including a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Daniel Sipe is a financial advisor with Raymond James Financial in Rockville, MD, holding Series 63 and Series 66 licenses and having 35 years of industry experience. He has been with Raymond James since 2004 and previously worked at several firms focused on federal employee benefits. Sipe is a partner and managing officer in multiple non-investment-related businesses including GIVE LLC and Serving Those Who Serve, reflecting his involvement in entrepreneurial and support ventures outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using detailed risk profiling and modeling and supports its clients with a broad range of advisory programs and institutional services.

Ellis Barksdale is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and 23 years of industry experience. He has worked at PFS Investments Inc. and Primerica Financial Services since 2003 and previously was employed by Baltimore County Public Schools from 2015 to 2018. In addition to advisory work, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-based investment strategies and discretionary account options supported by third-party asset managers and custodians.

Victor Fox is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2017, and a prior position at the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through Corporate Financial Planning agreements.