Brandon Hepburn is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior work includes positions at Santander Securities and PNC Bank. Outside of his advisory role, he co-owns Pro Experience, LLC, a business focusing on web design and fitness and nutrition coaching. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers customized performance reporting through its Institutional Consulting Services program.

Sean Rippen is a Wealth Management Advisor with Merrill Lynch Wealth Management, a role he has held since joining the firm in 2006. He is a qualified Portfolio Manager who provides clients with tailored wealth management plans designed to achieve their long-term financial objectives. Sean builds and manages personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Through Merrill's Investment Advisory Program, he manages client strategies on a discretionary basis. Sean holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™. He also holds FINRA Series 7, 66, and 31 securities registrations and a State of Maryland insurance license. Sean earned a Bachelor of Arts degree in Economics from the University of Maryland's Scholars Program in College Park. His client focus areas include college education planning, executive compensation, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Outside of his professional pursuits, Sean enjoys playing piano and guitar, physical fitness, golf, woodworking, and spending time with his family. He resides in Brookeville, Maryland, with his wife Christine and their two sons, Beau and Austin.

Joan White Mccain is a financial advisor at LPL Financial with 39 years of industry experience. She holds the ChFC® designation and has worked at LPL Financial since 2008, previously serving at Osaic FS, Inc. and Equitable Advisors. Mccain is also engaged in insurance sales, including life, health, disability, and long-term care insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports a broad range of investment strategies and integrates technology tools to assist advisors, managing over $819 billion in discretionary assets.

Natalia Cuellar is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2022, also working at Wells Fargo Bank since 2014. Outside of her advisory role, she works as a delivery driver for DoorDash on a part-time basis. 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, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Scott Leishear is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He has worked with LPL Financial since 2011 and previously spent four years at Edward Jones. Outside of advising, he serves as an adjunct finance instructor at both the University of Phoenix and Johns Hopkins University, and he is also involved as a Little League umpire in Vienna, Virginia. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management access, and institutional platforms, supporting advisors with research tools and large-scale operational capabilities.

Willie Tate is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in guiding millionaires and high net worth families through the accumulation, growth, and preservation of their financial assets. His areas of expertise include retirement planning, estate and legacy planning, tax efficiency, college education planning, divorce transition planning, executive compensation, family wealth management strategies, and philanthropic planning among others. Willie holds professional designations including Accredited Asset Management Specialist (AAMS), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a Bachelor's Degree from Georgetown University and an MBA from the University System of Maryland. Willie is proficient in English and French and engages with several professional organizations such as Alpha Phi Alpha Fraternity Inc., Georgetown University Alumni Association Black Alumni Council, and the Urban Financial Services Coalition. Outside of his professional work, Willie participates in community involvement with organizations including Good Shepherd Housing and Family Services Inc., Leveling The Playing Field, and Northern Virginia Football Officials Association. His personal interests include basketball, chess, football, golfing, singing, spending time with family, and watching movies.

Behzad Baharloo is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His work history includes roles at Merrill, Regions Bank, Cetera, and Caci, as well as managing a family business, Orelity Family Fund, for nine years. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions across a broad range of financial products.

Bill Polizos is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments LLC, Capital One Advisors, LLC, Capital One Investing, LLC, and Morgan Stanley. Outside of his advisory role, he maintains involvement with Marniso Wealth Advisors Inc., a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Kyle Murphy is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 11 years of industry experience. He has been with Cambridge Investment Research Advisors since 2017 and also maintains a longstanding relationship with Midland National Life as an independent insurance agent. He operates Murphy Financial Group as an independent insurance agency. Cambridge Investment Research Advisors is an SEC-registered firm serving individuals, retirement plans, charitable organizations, and other clients. The firm provides financial planning, investment management, and retirement plan advisory services through a network of independent professionals, offering a range of portfolio solutions including proprietary and third-party strategies tailored to client objectives.

Marco Rosas Ruiz is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and five years of industry experience. He has worked with Wells Fargo Bank, NA since 2016 and is also involved in managing Timbuktu Restaurant as a cashier. 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 employs a large team of advisors and utilizes research from Wells Fargo Investment Institute along with third-party data to support diversified investment strategies.

Stephanie Livingston Alper is a financial advisor at LPL Financial in Owings Mills, MD, holding Series 63 and Series 65 credentials with 10 years of industry experience. She worked at INVEST Financial Corp. from 2015 to 2018 before joining LPL Financial. Outside of her advisory role, she is the managing partner of EliteProcure, LLC, an equipment supplier for contractors. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning and investment management services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of investment adviser representatives with various advisory platforms, including model portfolios, third-party asset management, and institutional programs.

Kenneth Graves is a financial professional at Cetera with over 32 years of industry experience. He has held roles at multiple firms, including Avantax and 1ST Global Advisors, and currently operates Paved Wealth Partners, LLC. Graves is also affiliated with NL Healthcare Advisory Accounting & Tax LLC, a CPA firm serving as the sponsor for the Avantax relationship. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, providing services to individuals, 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 extensive program options and over $256 billion in assets under management.

Bratati Mukherjee is a financial advisor at LPL Financial with 28 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Maryland Financial Group, PNC Investments, M&T Securities, Banc of America Investment Services, and Truist Investment Services. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christopher Brazfield is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has worked with Primerica Advisors since 2012 and also has a longstanding role with the Department of Defense beginning in 2011. Beyond advisory services, he is involved in selling loan products and referring home security and automation services through affiliated Primerica companies. 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 operates on a large scale, offering model-driven investment strategies supported by third-party managers and custodial services.

Aaron Troup is a CFP®-certified financial advisor with Ameriprise, based in Arnold, MD, and has 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and EZ Federal Benefits Education. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement with significant investable assets, offering detailed written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools to support its advisory process.

Shamli Mamgain is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses and has four years of industry experience. Her background includes roles at Wells Fargo Bank, Urban Cooperative Bank Limited, and Newbt Teas of London. She has also held a position at the University of Baltimore since 2020. 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 supported by research from Wells Fargo Investment Institute and third-party data.

James Lee is a financial advisor with MassMutual Investors Services in Columbia, MD, holding Series 63 and Series 66 licenses and 30 years of industry experience. He has held roles at Metropolitan Life Insurance Company and MetLife Securities Inc. since 1999 and has been with MassMutual Investors Services since 2017. Outside of advising, he is an agent involved in life and health insurance and owns Metropolitan Wealth Advisors, LLC. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships and provides specialized event-driven planning, including estate settlement and divorce planning.

Nicole Mc Donald is a Financial Advisor with Merrill Lynch Wealth Management. She partners with individuals, families, and organizations to develop personalized financial strategies aimed at pursuing long-term goals by aligning money with clients' values and aspirations. Nicole's experience includes a background in the hospitality industry, which contributes to her focus on listening and delivering tailored financial guidance. She provides support in areas such as retirement planning, wealth preservation, liquidity management, portfolio management services, and financial strategies for business owners and mission-driven organizations. Nicole holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Howard University and is involved in community service through the Howard University Alumni Club and the Phi Sigma Chapter of Sigma Gamma Rho Sorority, Inc. Nicole's personal interests include basketball, hiking, music, photography, spending time with family, and traveling.

Michael Peters is a financial advisor at LPL Financial with 30 years of industry experience. His background includes roles at Avantax Advisory Services, 1st Global Advisors, and operating his own accounting firm, Michael G. Peters, PA. He holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms, supported by technology tools and extensive non-advisory financial activities.

Eugene Grenham is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and previously worked at McAllister & Quinn and Highlander Financial Group. Outside of his advisory work, he operates an eBay store called "davidbooksnthings," aimed at teaching children about business and commerce. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.