Timothy Lott is a Series 66-licensed financial professional with 22 years of industry experience, currently affiliated with Cetera and a partner at Paved Wealth Partners, LLC. He has prior experience with Avantax and 1ST Global Advisors and is also a CPA partner at N/L Healthcare Advisory Accounting & Tax LLC, providing accounting and business advisory services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning solutions, overseeing more than $256 billion in assets.

David Sheusi is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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 Fuggi is a financial advisor with Robert Baird & Co. in Towson, MD, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. He has worked at Baird since 2023, following nine years at Franklin Distributors LLC and seven years at Legg Mason & Co LLC. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individual, corporate, pension, and charitable clients with services including financial planning, portfolio management, and custody and brokerage. Baird employs a combination of manager-traded and model-traded strategies with ongoing manager selection and monitoring supported by internal research and tools, including artificial intelligence.

Brittany Stafford is a financial advisor at Robert Baird & Co. with one year of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Baird in 2021, she worked at Howard County Public Schools and The Forbush School in Hunt Valley. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed account programs, and custody and brokerage services.

Rachel Burk is a financial planner with Cetera, holding a Series 66 designation and three years of industry experience. She has worked at several financial services firms, including Kestra Advisory and Offit Advisors. In addition to her advisory role, she is an intake coordinator at The Naomi Center, a mental health care provider. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and various program structures, with over $256 billion in assets under management and a network of more than 10,000 advisors.

William Dorr is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. In addition to his advisory work, he is an insurance agent offering life, property/casualty, health, and fixed annuity products. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

William Koras is a CFP® with 30 years of experience in the financial industry. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Prior to Morgan Stanley, he worked at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs that include tailored financial planning and utilizes firm-approved tools and investment committee models to support client strategies.

Bonnie Krosin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and modeling tools, with clients responsible for plan implementation and updates.

John Webster is a financial advisor with Mass Mutual Investors Services, holding Series 66, Series 65, and Series 63 licenses and bringing 27 years of industry experience. He has been with MML Investors Services Inc and MassMutual Life Insurance Company since 2008. Outside of his advisory role, he coaches lacrosse through the Webster Lacrosse Academy. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm’s approach emphasizes collaborative annual planning engagements using firm-approved analytical tools, with clients opting separately for implementation of recommendations.

Beth Terry is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing financial solutions and personalized wealth management strategies for high net worth individuals, families, and businesses. She focuses on building relationships with clients to understand their risk tolerance, time horizon, liquidity needs, and overall investment goals, enabling her to offer tailored advice across all areas of their wealth management. Beth has been working in the financial services industry since 2006. She holds a Bachelor's Degree from the University of Georgia, where she studied Family Financial Management. Beth is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Series 7, 31, and 66 FINRA registrations. She is also recognized as a Personal Investment Advisor (PIA) and is affiliated with Merrill Lynch. In addition to her professional work, Beth supports community organizations including UMAR, Marian House, and the Boys and Girls Clubs. Her personal interests include boating, golfing, reading, spending time with family, and playing tennis.

Luke Welsh is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Financial, he worked at Goohoo Digital and held teaching positions at Coastal Carolina University and Glenelg High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing various investment management strategies and supporting technologies.

Jessica Nyce Parker is a Planning Consultant at Fidelity Investments, a role she has held since 2023. In this capacity, she assists her Vice President, Financial Consultants, and their clients by providing service and planning assistance aimed at helping clients pursue financial independence. Her professional experience in the financial services industry includes previous roles at Fidelity Investments as a Relationship Manager from 2022 to 2023 and as a Financial Representative from 2021 to 2022. Prior to joining Fidelity, she worked as an Associate Advisor at WMS Partners from 2018 to 2020, as a Financial Services Representative at MassMutual from 2016 to 2018, and as a Financial Representative at AIG from 2014 to 2016. Outside of her professional career, Jessica has interests in art, cooking and baking, fitness, hiking, parenthood, and pets.

Devin Foudos is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. His prior positions include roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Charles Schwab, and Northwestern Mutual. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Benassi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his financial advising career in 1984 and offers expertise in areas including college education planning, equity compensation services, philanthropic planning, retirement income, tax minimization, and wealth management for individuals, small businesses, and nonprofit organizations. Mr. Benassi earned a Bachelor of Arts in Political Science from Roanoke College in 1984 and completed an MBA in International Finance through the University of Hartford’s American MBA in Paris program in 1994. He holds the Personal Investment Advisor (PIA) designation and serves on the Board of Trustees for Notre Dame Preparatory School. Additionally, he is co-chair and co-founder of the Roanoke Men's Lacrosse Legacy Alumni Committee and contributes to the Roanoke College Lacrosse Alumni Legacy Committee. He resides in Towson with his wife, Pilar, and their two children. Mr. Benassi is actively involved in community efforts, including Swim Across America-Baltimore to support cancer research, and volunteers as a coach and executive for various athletic programs.

Clinton Hare is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved in purchasing model homes from a homebuilder, renting them out, and later selling the properties. 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 with both advisory and brokerage/insurance channels to deliver customized client solutions.

Ashley Zephir is a CFP® with 21 years of experience in financial advisory. She is currently with Edelman Financial Engines, where she has worked since 2016, including prior roles at Financial Engines Advisors L.L.C. from 2018 onward. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven proprietary modeling process combined with planner delivery and online tools, focusing on diversified model portfolios and long-term strategies.

Brian Penn is a financial advisor at Robert W. Baird & Co. with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Robert W. Baird since 2009. Penn serves as an Investment Committee Member for Associated Jewish Charities in Baltimore. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and charitable organizations. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, with a focus on customized strategies using both in-house and third-party managers.

Ahmad Bean is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Amazon, MV Transportation, and Caesars Entertainment. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Baitel is a financial advisor with LPL Financial based in Owings Mills, MD, holding Series 65 and Series 63 credentials and 23 years of industry experience. His prior experience includes roles at Metlife Securities, Massachusetts Mutual Life Insurance Company, M&T Securities, and Prudential-affiliated firms. Outside of his advisory work, he designs and sells dog ramps and operates a jewelry wholesale business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kevin Kraska is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior work includes roles at Janney Montgomery Scott and Brown Advisory, where he spent 18 years combined across Brown Advisory and Brown Advisory Securities. 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.