Christopher Goles is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked with Janney Montgomery Scott and currently serves as CEO of Accompany Wealth Partners, an affiliated firm he manages alongside his advisory role. 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 investors. The firm employs tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings in municipal advising and SIMPLE IRA employer consulting.

Michael Hartman is a CFP® professional with 27 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors. He has been with Wells Fargo Clearing since 2016 and Wells Fargo Advisors LLC from 2009 to 2016. Hartman serves on the Investment Committee at Calvert Hall College High School, providing oversight of the investment manager and monitoring adherence to the school's investment policy. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm delivers tailored recommendations supported by Wells Fargo research and planning tools and integrates advisory services with other financial product offerings.

Richard Grace is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 credentials and worked for Lincoln Financial Advisors for 24 years prior to joining OSAIC in 2025. Outside of his advisory role, he is involved in offering insurance products including fixed and indexed annuities and traditional life insurance. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, using asset-allocation tools and risk assessment to construct diversified portfolios that may include a range of investment types, managed on either a discretionary or non-discretionary basis.

Nicholas Bennett is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Merrill since 2020 and at Bank of America, N.A. since 2022. Outside of his advisory role, he works as a server and bartender at Costas Inn in Baltimore. 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 a range of individual and institutional clients.

Eric Ross is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and two years of industry experience. Prior to his advisory role, he served eight years in the U.S. Air Force. Ross is also involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, using model-delivery strategies managed by third-party asset managers.

Ronald Murphy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years before joining Wells Fargo in 2018. 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 backed by research and analytics from Wells Fargo Investment Institute.

Carla Carpenter Breeding is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 23 years of experience as a business owner and therapy practice specialist, providing her with a thorough understanding of the financial needs of business owners and healthcare professionals. Carla's expertise encompasses financing and growing practices, succession planning, employee benefits, and longevity planning, integrating considerations of health, family, and home into her financial approach. She is a member of The AJC Group, a team with over 60 years of combined experience in financial services. Carla holds a Master's degree from Shenandoah University and several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, and women and wealth. Residing in Westminster, MD, Carla participates in community activities such as Access Carroll, Taste of Carroll, and the worship team at Lifepoint Church. She spends her spare time traveling and visiting her children.

Asher Furst is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, AsherFurst.com, and involvement with community and educational organizations such as The Voice of Lakewood and Kollel of Greenspring Inc. 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, and institutional investors.

Robert Rogers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. 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 IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Dale Waters Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Waters is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Raymond Sheedy is a Certified Financial Planner® with 17 years of industry experience. He is currently with Morgan Stanley, having held prior roles at Merrill and Bank of America. His recent positions include working at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models in its financial planning process.

Randall Becker is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC since 2015. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products, utilizing an integrated platform that combines advisory programs with active sales of financial products.

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.

Jordan Thompson is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked at T. Rowe Price and held various positions outside the financial sector, including roles related to global health supply chain management. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Deborah Starr is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management, serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a nationwide adviser network and a range of portfolio management styles.

Jason Sarratea is a financial advisor at Morgan Stanley with 29 years of industry experience. He has held positions at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis.

Shahzib Hussain is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2017. Prior to his finance career, he was involved with Glyndon Grill and Towson University. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Ariel Popel is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside advisory services.

Joan White Mccain is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 38 years of industry experience. She has been with LPL Financial since 2008. Her professional activities include sales of non-variable insurance products such as life, health, disability, long-term care insurance, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, supported by in-house research and third-party subadvisors.

David Gately is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Morgan Stanley since 2010, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he serves as a basketball coach at Calvert Hall High School in Towson, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by proprietary tools and simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.