Charles Ransom is a CFP® professional with four years of industry experience, currently affiliated with MassMutual Investors Services. He has worked at MassMutual Investors Services since 2021 and also has experience with ClearView Wealth Advisors and NY Life Securities. Outside of finance, he is a part owner of Website Whales LLC, a website design business. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and provides a variety of event-driven planning services.

Brandon Westerfield is a CFP® and ChFC® affiliated with Charles Schwab, with four years of industry experience. Prior to joining Schwab, he worked at Fidelity Investments and held roles at WL Holdings, Instacart, and Grubhub. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment advisory services supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Ugwumsinachi Ihearahu is a financial advisor with Charles Schwab in Gaithersburg, MD, holding Series 63 and Series 66 licenses and having eight years of industry experience. Prior to joining Charles Schwab, Ihearahu worked at T. Rowe Price and TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts using multi-asset model portfolios and an established alternative-investment platform.

John Austin is a financial advisor at Cetera with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and affiliated firms since 2013. He also serves as a parish council member at St. Louis Catholic Church in Clarksville, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and both affiliated and third-party money managers.

O Emmanuel Adepoju Grace is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and previously worked for Citizens Securities, Inc. for eight years. Outside of his advisory role, he is the author of the book *The Roadmap of the Gospel of Jesus*. 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 a range of brokerage and advisory solutions supported by research and analytics.

Richard Plant Jr. is a financial advisor with Ameriprise in Arnold, Maryland, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Ameriprise and its affiliated entities since 1996. Outside of his advisory role, he owns a beekeeping business called Richard's Raw Honey. Ameriprise is a large institutional firm that offers retirement-income planning services targeted at individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports, primarily for clients holding assets in Ameriprise-managed accounts.

Alexander Knapp is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and having five years of industry experience. Prior to joining LPL Financial in 2025, he worked at Bank of America, Merrill, and Ayco/Goldman Sachs. Knapp is also a commissioned notary in Owings Mills, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced research tools.

Kenneth Handy is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 designations and having 20 years of industry experience. He has been with Equitable Advisors since 2011, following prior roles at AXA Advisors, New England Securities, Ameriprise, and First Command Brokerage Services. Outside of advising, he is a member and owner of PPW LLC, a limited liability company established for business expense purposes. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach involves personalized risk assessment and client matching to advisory models or discretionary managers, utilizing both proprietary and third-party programs.

Stanley Kosack III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 20 years of industry experience and holds a Series 66 credential. His work history includes roles at Merrill Lynch, Bank of America, and NYLIFE Securities, among others. He is also involved with Atlantic Union Financial Consultants, LLC/AUB Wealth Management as a financial advisor. 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 institutions. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

William Morgan III is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Ameriprise and its related entities since 2006. Outside of his advisory role, Morgan serves as Vice President on the Board of Directors for the Vistas at Turf Valley Home Owners Association and participates in the Finance Committee for the Church of the Resurrection; he also owns a consulting business, MNC Management Group, LLC, and is involved in independent insurance brokering. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, offering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through its large institutional platform and utilizes algorithmic automation alongside human oversight to deliver personalized retirement income strategies.

Katherine Kohler is a financial advisor at Thrivent Investment Management with 20 years of industry experience. She holds the Series 66 credential and has been with Thrivent and its affiliated entities since 2006. Outside of her advisory role, she serves as an adjunct faculty member at the University of Maryland Baltimore County, teaching an undergraduate course on Intercultural Communication. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning that covers a broad range of topics and integrates with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and investment management services separate.

Robert Lembo is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 39 years of industry experience. His career includes longstanding roles at Guardian Life Insurance Co. of America, National Life, MetLife Securities, and Massachusetts Mutual Life Insurance Company. He also works as an independent insurance agent specializing in dental and group disability income, fixed annuities, long-term care, life, accident, and health insurance. MassMutual Investors Services 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 using firm-approved analytical tools and offers asset management, wrap and money-manager programs, and educational seminars.

Wendy Quattrochi is a financial advisor with Osaic, holding Series 63, 65, and 66 designations and bringing 33 years of industry experience. She previously spent 23 years with American Portfolios Financial Services before joining Osaic in 2024. In addition to her advisory role, she is a notary public and an appointed insurance agent licensed to provide long-term care insurance advice. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services across multiple platforms. The firm uses proprietary asset-allocation tools and access to third-party managers to construct portfolios that include a broad range of investment options.

Jeffrey Cohen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Cetera since 2005 and also operates a tax preparation practice through Jeff Cohen CPA, LLC. In addition, he serves as an audit manager at the Department of Health and Human Services, specializing in Medicaid audits for the federal government. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Garrett Southern is a financial advisor with Ameriprise in Ellicott City, MD, holding a Series 66 designation and six years of industry experience. He has worked exclusively with Ameriprise since 2018, following brief roles at Planning Solutions Group and Loftus Masonary. Outside of his advisory role, he is involved with CAWM Services, LLC as a paraplanner, managing advisory business activities. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement, typically those with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Zachary Szczybor is a financial advisor at OSAIC with one year of industry experience. He holds the Series 66 designation and has prior experience at StoneBridge Advisors, Inc, LGS Financial, and Bill's Seafood & Catering. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that include a range of investment products.

Colleen Campbell is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. She has worked at Morgan Stanley since 2015 and has been with Morgan Stanley Private Bank, National Association since 2018. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and modeling techniques.

Douglas Meyer is a financial advisor at Osaic Wealth, Inc. with 44 years of industry experience. He has held the Series 63 and Series 65 designations and previously worked for American Portfolios Financial Services, Inc. for 23 years before joining Osaic in 2024. On rare occasions, he has written life insurance and long-term care insurance. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers, utilizing a variety of asset-allocation tools and portfolio construction methods.

John Robertson is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at firms including Grove Point Investments, Securities Service Network, Safe Money Concepts LLC, and T. Rowe Price Advisory Services. Outside of his advisory role, he is involved with Safe Money Concepts LLC and has longstanding affiliations with Medallion Financial Strategies and Medallion Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services supported by advanced tools and a large network of investment adviser representatives.

Erin Mcmillian is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets.