Christopher Chilcoat is a financial advisor at Mass Mutual Investors Services with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Hornor Townsend & Kent Inc and Guardian Life Insurance Company. Outside of his advisory role, he serves as a notary public and works as a title insurance contractor for real estate closings. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software to analyze client goals and offers structured, annual planning relationships along with specialized services such as divorce planning and estate-settlement programs.

Matthew Riggin is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and methodologies.

Andrew Miller is a Series 66 licensed financial advisor with Equitable Advisors in Columbia, MD, bringing three years of industry experience. Prior to joining Equitable Advisors, he worked at Charter Financial Group and has ongoing involvement with Honeywood Rentals, a party and event rental business where he manages inventory and installation. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, brokerage services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored and other endorsed platforms.

Peter Ocasio IV is a CFP® with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2016. He previously served seven years in the U.S. Army with the Department of Defense at TSC Central MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including a broad range of households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a large network of advisors and offers a variety of advisory programs and investment strategies, operating under a fiduciary standard.

John Cox Jr. is a financial advisor at Ameriprise with 22 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory work, he engages in freelance writing and art, submitting short stories, poetry, and artwork for contests and publication. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Matthew Mc Govern is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as the president of the Wiltondale Improvement Association Board. Ameriprise is an institutional firm that offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team and algorithmic tools to generate tailored, tax-efficient recommendations.

Steven Hoffman is a financial advisor with Ameriprise based in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory work, he has ownership interests in a non-investment-related business called Pair of Queens. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning with written recommendations and ongoing advice, using proprietary research and tools within a defined investment framework.

Brooke Myers is a financial advisor at Morgan Stanley in Lutherville, MD, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley in 2023, Myers worked at RBC Capital Markets and TD Bank. Morgan Stanley Wealth Management offers a variety of advisory programs to individuals and institutions, including customized financial planning using firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Elizabeth Bafford is a financial advisor with RBC Capital Markets in Towson, MD. She holds a Series 66 designation and has one year of industry experience. Prior to joining RBC Capital Markets and City National Bank in 2026, she spent twelve years at Calvert Impact, Inc. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to each client’s risk profile.

Beth Rosenwald is a financial advisor at RBC Capital Markets with 37 years of industry experience. She has worked at RBC Capital Markets since 2008 and previously spent eight years at City National Bank. Rosenwald serves on the board of directors for Ronald McDonald House Charities of Baltimore and the Baltimore Leadership School for Young Women, and she is a committee member of United Way's Women's United in Central Maryland. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies through in-house and third-party managers, with access to capital markets and affiliated asset management capabilities.

Alicia Mosebrook is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and having six years of industry experience. Her background includes roles at Axa Advisors, Clearone Advantage, and Johns Hopkins Hospital. Outside of finance, she serves as Vice President of the Thunderbolt Society and works part-time as a banquet server at Wyndham Gettysburg. 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 third-party programs. The firm operates a hybrid referral and implementation model, utilizing both advisory and brokerage channels to tailor services according to client goals and risk tolerance.

Colin Roddy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Merrill, Heritage Financial Consultants, and City Life Community Builders. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional products.

Rita Russell is a financial advisor with Wells Fargo Clearing in Baltimore, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has worked with various Wells Fargo entities since 2011, including Wells Fargo Advisors LLC and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Samuel Kushner is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. His prior roles include positions at Wells Fargo Advisors, T. Rowe Price, and teaching experience at the University of Maryland and McDonogh School. 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 from Wells Fargo Investment Institute and third-party resources.

Kara Mikotowicz is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to understand clients' financial situations and assist them in working toward their financial goals. She focuses on helping clients develop financial plans tailored to their priorities and aspirations. Kara's professional experience includes roles as a Financial Advisor at American Wealth Strategy Group from 2021 to 2022, a Senior Financial Consultant at T. Rowe Price from 2020 to 2021, and a Financial Consultant at T. Rowe Price from 2019 to 2020. Through these positions, she has gained experience in financial advising and consulting. Outside of her professional work, Kara enjoys family activities, football, golf, pets, reading, and traveling.

Jared Simmons is a Planning Consultant at Fidelity Investments, where he has been working since 2025. In this role, he collaborates with clients to build comprehensive financial plans that help them prepare for and pursue their fullest retirement. Prior to his current position, Jared served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2023 to 2024. He holds a California Insurance License.

James Straut is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, tailoring investment solutions to plan objectives and risk tolerances while acting as an ERISA fiduciary.

Nicole Dayball is a financial advisor at Ameriprise in Salisbury, MD, holding a Series 66 designation. She has been with Ameriprise since 2022 and previously worked at Salisbury University and Chesapeake High School. Ameriprise offers retirement-income planning services primarily for individuals with substantial investable assets, utilizing a centralized consulting team to deliver non-discretionary, research-driven recommendations focused on income sources, tax-smart withdrawals, and Social Security options. The firm combines algorithmic tools and advisory oversight to tailor plans and provides a broad range of advisory, brokerage, and insurance solutions.

Alexandra Jamieson is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2015. She holds a Series 66 designation and is based in Baltimore, MD. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Joseph Jones II is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and 22 years of industry experience. He has been with Merrill Lynch since 1995. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.