Matthew Agee is a financial advisor at Cetera with 26 years of industry experience. He holds the Series 66 designation and has worked with firms including Summit Financial Group and Cetera Wealth Services. Outside of advisory work, Agee has a small side activity involving multi-family real estate ownership. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

R Williams Jr. is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds the Series 65 and Series 66 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and strategies developed by its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Yair Natanov is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 16 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Natanov serves as CEO of NIV Advisors, a business related to his LPL activities. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities through a large network of investment adviser representatives. The firm’s investment approach is typically model-driven, utilizing portfolios developed by LPL’s Research Department, third-party strategists, or TAMP sponsors.

Elizabeth Lenrow is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 65 designations and has worked within various divisions of J.P. Morgan since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and integrating an ESG eligibility framework in its recommendations.

Sean Reedy is a financial advisor at Edward Jones in Annapolis, MD, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked for eight years at Supreme Orthopedic Systems and one year at The Orthopedic and Sports Medicine Center of Luminous Health. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Colin Steele is a financial advisor at RBC Capital Markets in Annapolis, MD. He holds the Series 66 designation and began his financial services career in 2024. Prior to joining RBC, he worked in various roles including hospitality and logistics. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored portfolio management strategies utilizing both in-house and third-party investment managers.

Julianne Russell is a financial advisor at Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses with 15 years of industry experience. Her prior roles include positions at JP Morgan Chase Bank and PNC Investments. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, providing advisory services without individual security recommendations as part of standalone plans.

Blake Morris is a Wealth Management Advisor at Merrill Lynch with over 20 years of experience in the financial services industry. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification along with designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Blake earned his Bachelor's Degree from the University of Maryland. Blake combines his extensive business knowledge with personal insight gained from growing up in a family with three generations of doctors. This unique perspective enables him to serve medical professionals by addressing their distinct and often complex financial needs. His work focuses on building enduring relationships with individuals, families, and businesses, aiming to create a comprehensive resource for medical professionals to support them as they grow their practices and attend to their patients. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, investment consulting for defined contribution plans, socially responsible and ESG investing, special needs planning, individual and corporate investment strategy, tax minimization, and retirement income. Blake is also engaged in various personal interests such as baseball, boating, cooking, fishing, football, golfing, ice hockey, swimming, and spending time with his family.

William Kim is a financial advisor at Equitable Advisors with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including J.P. Morgan Securities and T. Rowe Price Investment Services. He is also appointed as an agent to sell non-securities insurance products for AGIA. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement consulting, and asset management programs through its network of Investment Adviser Representatives. The firm utilizes a combination of proprietary and third-party advisory models and offers a range of investment options including mutual funds, ETFs, and alternative investments.

Robert Hallet is a Senior Financial Advisor with Merrill Lynch Wealth Management, leading a team dedicated to delivering comprehensive financial advisory services. Since joining Merrill in 2000, he has leveraged over twenty years of experience in the financial services industry to assist clients with personalized wealth planning and banking solutions through Bank of America. His expertise encompasses corporate benefit programs, including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans, with a focus on integrating these benefits into long-term financial strategies for corporate executives. Robert and his team specialize in serving successful individuals and families, business owners, and high-ranking corporate executives. They design customized, tax-efficient strategies and detailed financial and retirement income plans tailored to clients' unique circumstances and goals. Their approach emphasizes risk management, tax minimization, fee control, responsible investment management, personalized banking, and trust services, aiming to grow, preserve, and distribute wealth effectively. The team’s services are supported by the resources and intellectual capital of Merrill and Bank of America Private Bank. Robert holds a Bachelor's Degree from Towson University and carries professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He participates in community activities as an American Legion Baseball Coach and is involved with GB Charities. His personal interests include baseball, basketball, boating, cooking, fishing, football, golfing, music, spending time with family, and traveling.

Jessica Burd is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation. She has been with Morgan Stanley since 2023 and previously worked for eight years at Beef Brother Deli. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Lachezara Docheva is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2017, bringing a dedication to individualized financial planning and client-focused wealth management strategies. Lachezara works with clients to develop flexible financial approaches tailored to their unique goals, providing access to investment insights from Merrill and the integrated banking and lending solutions of Bank of America. Originally from Bulgaria, Lachezara earned a Bachelor's degree in Finance from the University of National and World Economy in Sofia. She relocated to the United States in 2012 and has been with Bank of America Corporation for over a decade. Her professional credentials include Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), supported by an accredited certificate from the College for Financial Planning. Lachezara's expertise covers areas such as college education planning, family wealth management, retirement income, tax minimization, and portfolio management. Beyond her professional role, Lachezara actively participates in community volunteer work and charity events. She enjoys outdoor activities including biking, camping, hiking, ice skating, swimming, and table tennis. Fluent in both Bulgarian and English, she combines her financial knowledge with a personal philosophy focused on uncovering what matters most to clients to help them confidently pursue their financial objectives.

John Shea is a financial advisor with LPL Financial in Baltimore, MD, holding a Series 66 designation and five years of industry experience. He has been with LPL Financial since 2018, with a brief period listed as unemployed in 2021. Shea is also involved in related business activities through Cobblestone Wealth Management, LLC, and Row Home Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.

Parth Shah is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include positions at Bank of America, Merrill, and AndWealth. He has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Pratt Rexford is a financial advisor at OSAIC with four years of industry experience and holds a Series 66 designation. He previously worked at Lincoln Financial Advisors Corporation for four years. Rexford’s background also includes roles outside of financial advising at companies such as Whitely Steel and Sawgrass Country Club. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm uses a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Sean Duffy is a financial advisor at Ameriprise with 26 years of industry experience. He has held roles at Ameriprise since 2016 and previously worked at A.G. Edwards & Sons, Inc. from 2001 to 2016. Duffy holds Series 63 and Series 65 licenses. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement planning advice focused on income reliability and tax-aware withdrawal strategies.

Stephen Rafter is a financial advisor with LPL Financial in Linthicum, MD. He holds Series 63 and Series 66 credentials and has 16 years of industry experience. His prior roles include positions at Merrill, Charles Schwab, Edward Jones, and PNC Wealth Management. Outside of his advisory work, he is employed as a server and bartender with Atlas Restaurant 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

Philip Thomas is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with successful individuals and families to develop customized financial strategies focused on managing wealth, ensuring retirement security, and building lasting legacies in a cost-effective, tax-efficient, and risk-appropriate manner. His client focus areas include divorce transition planning, defined contribution plan investment consulting, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income planning. Philip holds a Bachelor's Degree from Mount Saint Mary's University and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He emphasizes persistence, empathy, and value-added service in his work, aiming to engage deeply with clients to help them achieve their financial goals. Outside of his professional responsibilities, Philip participates in community volunteer activities aligned with Merrill's tradition of service. His personal interests include boating, camping, fishing, and spending time with his family.