Michael Beaumont is a CFP® with 16 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is also an executor for his grandmother’s estate, a role he performs outside of his advisory work. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Lewis is a financial advisor with Fidelity Investments in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His career includes five years at Wells Fargo Clearing and Wells Fargo Bank NA before joining Fidelity. Outside of finance, he is employed with Sparkle Home Cleaning Services LLC, providing residential cleaning services. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and discretionary management solutions.

Lawrence Singer is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 66 and Series 63 licenses and bringing 20 years of industry experience. His prior work includes positions at Ameriprise Financial Services and Howard County Fire and Rescue. Outside of advising, he manages Gathering Roots Farm, where he oversees all aspects of farming operations. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that focus on dependable income and tax-aware withdrawal strategies. The firm uses a collaborative approach supported by proprietary research and tools to deliver tailored retirement recommendations.

Charles Menk III is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Tensley Consulting, and The MITRE Corporation. He is also president and CEO of The CGMA Group LLC, an independent business he has led since 2016. 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 adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by model portfolios, third-party research, and various management strategies.

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. His prior work includes roles at AXA Advisors and Raymond James. Outside of his advisory work, he operates a business under the name Firstrust Financial Resources. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a delivery model that emphasizes LPL-sponsored and other endorsed platforms.

Andrew Conn is a CFP® with six years of industry experience currently working at RBC Capital Markets, where he has been since 2019. Prior to that, he was employed at Steward Partners and spent two years at Towson University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

William Eberhart III is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and has 26 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015 respectively. Outside of his advisory role, he is the owner of Crab Key LLC, a residential real estate rental business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market simulations to assist clients in financial decision-making.

Nolan Karfonta is a financial advisor at Raymond James Financial with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Merrill, and the Elon University Office of Advancement. He is involved with support companies Lee Financial Group, Inc. and Wagener-Lee LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with a notable affiliation in municipal advisory and specialized employer consulting programs.

Wade Zancan is a financial advisor at Cetera with 24 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Cetera and its affiliated firms since 2013. Outside of his primary advisory roles, he is involved in several financial services businesses, including Resonant Financial Management and Janoskie Financial & Associates, where he serves in management and client relationship roles. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, institutional, corporate, and charitable clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and retirement services utilizing a multi-manager platform that includes affiliated and third-party investment managers.

Aaron Lekarz is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 65 and Series 63 credentials and 12 years of industry experience. He has been with Equitable Advisors since 2014, including a period when the firm operated as Axa Advisors LLC. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, working extensively with program sponsors and third-party managers to provide advisory and brokerage solutions.

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.

John Gagliardi Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His prior roles include positions at LPL Financial and M&T Securities. He also serves as a FINRA arbitrator on a part-time basis. 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 tailored, non-discretionary planning and analytical tools to support client goals and offers municipal advisory services alongside its broader institutional capabilities.

Kevin Wesner is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with UBS since 2008. Wesner serves on the boards of Epic Church and the Signal 13 Foundation, which supports Baltimore City Police Officers. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and a range of capital markets services. The firm combines institutional trading capabilities with wealth management and integrates proprietary research and model-based asset allocations in its advisory approach.

Adrian Peralta is a financial advisor at Equitable Advisors with seven years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2019. Prior to his current role, he was employed at Axa Advisors, ICS Protective Services, and the International Union of Painters and Allied Trades. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations, providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Kaveh Montazer is a financial advisor with OSAIC holding a Series 66 designation and two years of industry experience. He previously worked at StoneBridge Advisors, Inc. and has experience with Coppermine Fieldhouse LLC and Illiano's J&P. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through an extensive network of affiliated advisers and multiple advisory platforms. The firm offers a broad range of investment and financial planning services, utilizing asset-allocation tools, risk assessments, and automated portfolio rebalancing.

George Shaneybrook is a financial advisor at Stifel in Baltimore, MD, holding a Series 66 designation with seven years of industry experience. His prior work includes roles at Bank of America and Merrill, along with employment at Towson University. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and advisory services supported by proprietary investment analysis and allocation methods developed by its Investment Strategy Group.

Benjamin Dychala Jr. is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include six years at Cetera Advisors LLC and over three decades operating Benjamin J. Dychala, Jr. He also practices as an attorney specializing in estate planning and holds a CPA qualification with an active tax preparation and accounting practice. 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 financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Ishioma Ikukaiwe Ekanem is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo in 2022, Ekanem worked at PNC Bank and United Bank for Africa PLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.