William Martin Jr. is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with firms including Triad Advisors Inc., The Prosperity Consulting Group, and UHY Advisors Mid-Atlantic MD, where he serves as a principal consulting on tax matters. In addition to his advisory roles, he writes life insurance policies and fixed annuities. OSAIC Wealth, Inc. serves a diverse client base ranging from individual investors to charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services utilizing asset-allocation tools, risk assessments, automated rebalancing, and access to third-party money managers and wrap programs.

David Kelly is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2012, progressing from Investment Representative to Financial Consultant before his current role. Prior to joining Fidelity, David worked at T. Rowe Price from 2005 to 2012 in various roles including Investment Specialist, Investment Counselor, and Service Specialist. David's professional experience spans over a decade in the investment and financial consulting industry. He focuses on understanding the unique needs of his clients and their families through active listening and tailored financial planning. His approach aims to provide clients with peace of mind and to serve as a trusted advisor to their families.

David Deeter is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Royal Alliance Associates, Bank of America, Merrill, the USPS, and Rogers Jewelers. OSAIC serves a diverse client base including individual investors, corporations, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides a range of services such as brokerage, investment advisory, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Barbara Zelensky is a financial advisor at Merrill with a Series 66 credential and has recently started her career in the industry. She has previous experience at the University of Maryland and Brave Generation Academy. 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.

Debra Harrell is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Harrell Group based in the Annapolis office. She joined Merrill Lynch in 1997 and serves as a Portfolio Manager, managing personalized and defined investment strategies on a discretionary basis. Debra’s work focuses on helping affluent and high-net-worth clients as well as small businesses and non-profit organizations by developing customized wealth management plans that address personal retirement planning, college education planning, family wealth strategies, retirement income, tax minimization, and portfolio management services. Debra holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She earned an associate’s degree from Anne Arundel Community College. The Harrell Group takes a holistic approach to wealth management, utilizing resources from Merrill and Bank of America to provide services that include retirement and wealth transfer planning, home financing, business lending, education planning, insurance, and banking. Debra and her team emphasize building strong client relationships through careful information gathering and disciplined implementation of financial strategies. Outside of her professional role, Debra is active in her church as a youth group mentor. She lives in Pasadena, Maryland with her husband, Randy, and enjoys playing pickleball and tennis as well as spending time with her family.

Ally Harrison is the Vice President and Wealth Planner at Fidelity Investments, a role she has held since 2018. She has been with Fidelity Investments since 2012, progressing through various positions including Financial Representative, Premium Services Associate, Investment Solutions Representative, Investment Consultant, and Financial Consultant. Her experience spans multiple facets of wealth planning, allowing her to work with clients and families in diverse financial situations to co-create personalized financial plans. Ally's approach is informed by her extensive tenure at Fidelity and her focus on understanding each client's unique circumstances. Outside of her professional role, Ally enjoys activities such as spending time at the beach, cooking and baking, football, golf, and traveling.

Darren Bush is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2002. 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, utilizing multiple advisory programs and credentialed fiduciary services.

Avraham Frand is a Financial Advisor associated with Merrill Lynch Wealth Management. He works closely with clients to understand their individual financial goals and develops personalized investment strategies to help pursue those goals. His advisory services cover a range of areas including equity compensation services, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from Towson University and has earned professional designations such as CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Avraham's approach involves ongoing advice and guidance tailored to his clients' evolving needs. Outside of his professional work, Avraham's personal interests include chess, football, hiking, ice hockey, rock climbing, running, skiing, spending time with family, swimming, and tennis.

Robert Digsby is a Series 66-licensed financial advisor with Edward Jones in Odenton, MD, where he has worked for 13 years. He has 12 years of industry experience. Outside of his advisory role, he owns one rental property. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Stefen Main is a financial advisor at Ameriprise with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Oppenheimer and Equitable Advisors. Outside of his advisory role, he is involved with Waypoint Group LLC in a capacity related to his financial advisory activities. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to generate non-discretionary recommendations delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Justin Kuczynski is a financial advisor at Ameriprise with 20 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the Board of Directors and as Treasurer for Housing Our Homeless Vets, a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jessica Sellars is a financial advisor with LPL Financial in Annapolis, MD, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. She has worked with M&T Securities and M&T Bank since 1998 and joined LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios from various sources.

James Hartman is a Private Wealth Advisor at Merrill Private Wealth Management. He provides financial advisory services focused on areas including corporate executive services, divorce transition planning, equity compensation, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management, investment strategy, and tax minimization. Jim began his career in the financial services industry in 1990 within the Audit and Business Advisory Division of Arthur Andersen & Co. He earned his Certified Public Accountant designation in 1993 and subsequently joined Legg Mason's Private Client Group. In 2007, he joined Merrill, and in 2011 attained the Certified Private Wealth Advisor® (CPWA®) designation from the Investments & Wealth Institute. Additionally, he holds the Chartered Retirement Planning Counselor™ (CRPC™) and Certified Plan Fiduciary Advisor (CPFA) designations. His credentials include Series 7 and 66 FINRA registrations. Jim graduated with a Bachelor of Science degree in accounting from the Robert H. Smith School of Business at the University of Maryland at College Park. Outside of his professional work, Jim resides in Annapolis with his wife Kristin and their three children. He enjoys activities including windsurfing, racing sailboats, boating, adventure sports, basketball, football, golfing, scuba diving, skiing, and traveling. Jim is also involved in his community through coaching youth sports for lacrosse and basketball and has served on several finance boards. He is a member of the Annapolis Yacht Club.

Steven Filo is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has held positions at Lincoln Financial Advisors, Agia, VALIC Financial Advisors, and Wells Fargo. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and various management approaches.

Christopher Saba is a Financial Advisor with Merrill Lynch Wealth Management and a member of The Farcosky Group. He provides strategic financial guidance to individuals, families, and business owners, focusing on areas such as family wealth management, legacy planning, personal retirement planning, and tax minimization. Christopher emphasizes understanding clients' life priorities to create personalized financial plans tailored to their goals and aspirations. Christopher holds a Bachelor's Degree in Economics from the University of Maryland. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bilingual in English and Arabic, he collaborates closely with tax and legal professionals to develop tax-efficient strategies that support long-term wealth building. Committed to community involvement, Christopher serves as a chapter advisor for the Theta Chi Fraternity, mentoring college students in leadership and financial literacy. Outside of his professional and community activities, he enjoys boating, cooking, football, golfing, scuba diving, soccer, spending time with family, table tennis, and watching movies.

Stephen Owen III is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Jamie Waldren is a CFP® with 34 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. He has previously worked at Wells Fargo Clearing and operated JN Private Wealth Management, where he authored the book *Exit on Your Own Terms*. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individual, high-net-worth, institutional, and nonprofit clients, offering tailored, non-discretionary advice supported by advanced analytical tools. The firm also supports municipal and public finance work through a unique affiliation and offers specialized advisory programs such as SIMPLE IRA Employer Advisory & Consulting Services.

Douglas Brandeen is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he is involved in managing NA 89, LLC, an investment-related business based in Baltimore. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Peter Miller serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Venture Services Group in August 2012 and is primarily responsible for co-managing the team’s stock distribution process, coordinating market research and analysis dissemination, and assisting with fund level and limited partner level trading activities. Peter holds a Master of Science in Finance from the McIntire School of Commerce at the University of Virginia. He also earned a Bachelor of Arts with distinction in Economics and History from the University of Virginia. He holds the professional designation of Personal Investment Advisor (PIA). In 2023, Peter was recognized on the Forbes “Best-in-State Next Generation Wealth Advisors” list, which considers advisors based on factors such as client retention, industry experience, compliance records, and firm nominations.

Steven Goldberg is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations. Goldberg previously worked at Lincoln Financial Advisors and SunTrust Advisory Services. Outside of advising, he serves as a notary public. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios with a wide range of investment options.