Kevin Cook is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at AXA Advisors, LLC from 2016 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals, risk tolerance, and time horizon.

Amy Taylor is a financial advisor with Raymond James Financial Services Advisors, Inc. in Annapolis, MD, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. She is the owner of Taylor Wealth Strategies and also works as an independent contractor with Capitalistic Investment Services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through detailed client interviews and risk profiling.

Natalie Vicchio is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds the Series 66 designation and has been with Raymond James & Associates since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 advisors. The firm serves a wide range of clients, including individuals, pension plans, corporations, and government entities, offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

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 at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked with Prudential Insurance Company of America and Pruco Securities, LLC. outside of his current role. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, delivering investment advice primarily through its investment adviser representatives who utilize firm research and external portfolio strategists.

Elizabeth Lenrow is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 65 and Series 63 licenses and accumulating 12 years of industry experience. She has been with JPMorgan Securities LLC since 2013, including her current role since 2019, and concurrently serves at JPMORGAN CHASE Bank NA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Kara Fox is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with U.S. Trust Bank of America since 2014. Outside of her advisory role, she serves as a power of attorney for a personal entity. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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.

Matthew Snyder is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

William Kim is a financial advisor at Edelman Financial Engines with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at firms including Valic Financial Advisors, Truist Investment Services, T. Rowe Price Investment Services, and J.P. Morgan Securities. Outside of his advisory role, he is appointed as an agent to sell non-securities insurance products for AGIA. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner guidance and online tools, emphasizing diversified, long-term investment strategies and manages approximately $326 billion for roughly 477,000 clients.

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.

Cindy Hyde is a financial advisor at Morgan Stanley Wealth Management with nine years of industry experience. She holds a Series 66 designation and has previously worked at Wealth Enhancement Brokerage Services, LPL Financial, and Vintage Financial Partners. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using firm-approved tools and methodologies.

John Shea is a financial advisor at LPL Financial in Baltimore, MD, holding a Series 66 designation with five years of industry experience. He has worked at LPL Financial since 2018, with a brief period of unemployment and time as a homemaker prior to that. Shea is involved with Cobblestone Wealth Management, LLC, and Row Home Financial, entities associated with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios and research from both internal and third-party sources.

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.

Stephen Rafter is a financial advisor with LPL Financial based in Linthicum, MD. He holds Series 63 and Series 66 licenses and has 16 years of industry experience. Rafter's work history includes roles at Charles Schwab, Good Life Advisors, and the State Employees Credit Union of Maryland. Outside of his advisory work, he is also employed as a server and bartender with Atlas Restaurant Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing model portfolios and research from both internal and third-party sources.

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.