Daniel Klosterman Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at LPL Financial since 2010 and has maintained his own practice, Klosterman & Associates, since 1986. Outside of advising, he is involved in a CPA practice providing bookkeeping and tax preparation services and also sells life insurance products and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and incorporating model portfolios, research, and advanced technologies.

Jordan Banks is a financial advisor at Merrill with Series 63 and Series 66 registrations and two years of industry experience. His prior experience includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, Truist Financial, and Branch Banking & Trust Company. He has also been involved with Western Governors University since 2024. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies. The firm serves a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries, leveraging its integration with Bank of America to provide access to a wide array of financial products and services.

Donald Harrison Jr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and possessing 45 years of industry experience. He has been with Raymond James Financial since 2009 and associated with Raymond James Financial Services, Inc. since 2001. Outside of his advisory role, he owns a music business involved in writing, recording, and performing. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services, with notable municipal and public finance capabilities supported by its broad affiliate network.

Robert Turner Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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.

Victoria Decker is a financial advisor with Raymond James & Associates in Annapolis, MD. She holds a Series 66 designation and has one year of industry experience. Her prior work includes roles at Alex Brown and various non-financial positions, such as at Environmental Quality Resources and INVERSA Leathers, as well as time as a full-time student. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, institutions, and government entities, delivering non-discretionary financial planning supported by extensive affiliate resources and public finance expertise.

John Feeley is a CFP®-certified financial advisor with over 31 years of industry experience. He is currently with LPL Financial, where he has worked since 2021, following an 18-year tenure at M&T Securities, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and research to support both discretionary and non-discretionary management.

Stephen Minor II is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 66 licenses and 18 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wachovia Bank, N.A. prior to his current role. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Debbie Merlos is a Series 66-licensed financial advisor with Merrill, based in Laurel, MD, and has four years of industry experience. She has been affiliated with Bank of America and Merrill since 2011, totaling 15 years at both institutions. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies. The firm serves a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries, integrating investment management with Bank of America’s broader financial platform.

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.

Timothy Flynn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Avantax Investment Services and Avantax Insurance Agency prior to joining Cetera. Outside of advising, Flynn is involved with Free State Tax Associates, where he provides tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party managers through a multi-manager platform with discretionary and non-discretionary programs.

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 worked at Cetera Wealth Services, Summit Financial Group, and Premier Planning Group. Outside of his advisory role, Holt serves in various community and nonprofit capacities, including as president of the 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 a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across multiple program structures and custodial relationships.

Leah Ruffner is a financial advisor at Merrill with nine years at the firm and two years of industry experience. She holds the Series 66 designation and works in Columbia, MD. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America enables access to a broad set of products and services beyond typical investment offerings.

James Polucha is a CFP®-certified financial advisor with 25 years of industry experience. He is currently with LPL Financial and has worked with M&T Securities since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.