Elizabeth Hartman is a financial advisor with Commonwealth Financial Network in Fallston, MD, holding a Series 66 designation and 27 years of industry experience. She has been associated with Commonwealth since 2002 and is also the president and sole shareholder of Hartman Financial Inc., a securities business she founded in 2006. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, offering a range of advisory programs, wealth management, and retirement plan consulting services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to affiliated advisors who typically offer advice under Commonwealth’s supervision.

Timothy Hyle is a financial advisor at Truist Advisory Services with 20 years of industry experience. He holds a Series 66 designation and has worked at Truist Advisory Services and Truist Investment Services since 2021, following roles at BB&T Securities and BB&T Investments. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager relationships supported by third-party platforms and AI-enabled research tools.

Kevin Doyle is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He worked at Raymond James & Associates for 12 years before joining Janney in 2025. Outside of his advisory role, Doyle serves as a FINRA arbitrator and is a board member of a homeowners association in Fort Lauderdale, Florida. Janney Montgomery Scott LLC manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients. The firm offers a range of brokerage services, financial planning, and advisory programs, combining in-house portfolio management with third-party managers across multiple investment platforms.

Mark Ring is a financial advisor with CWM, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. He has worked with Jacob William Advisory and Jacob William, Inc. from 2006 through 2025 and has been with CWM, LLC since 2016. Outside of his advisory role, he serves on the boards of the Baltimore chapter of the Boy Scouts of America and the Maryland Council of Economic Education. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis along with third-party sub-advisors, offering a range of planning and retirement services.

Callum Krach is a financial advisor at Empower Advisory Group with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, Coldwell Banker, and Mutual of Omaha. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Julian Brown is a Series 66-credentialed advisor with Private Advisor Group, LLC, based in Bel Air, MD, and has four years of industry experience. He previously worked at LPL Financial and has held roles in both educational institutions and the private sector. Brown also serves as a board member for a nonprofit organization, Cousincation. Private Advisor Group serves individual, business, trust, estate, and charitable clients by providing discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm offers access to third-party asset managers and turnkey asset management platforms, with advisory solutions delivered through a network of investment adviser representatives who tailor strategies to meet client objectives.

Christina Garland is a CFP® professional with 11 years of industry experience, currently serving at Focus Partners Wealth, LLC. Her prior roles include positions at The Colony Group, LLC, Connectus Wealth, and Horan Capital Management, LLC. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, corporate and institutional clients, offering comprehensive wealth management and financial services. The firm employs a long-term, tax- and fee-sensitive investment approach utilizing enhanced open architecture and a variety of investment strategies, supported by an extensive network of affiliated service companies.

Kenneth Buckner is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Cetera, among others. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital portfolio solution available by invitation to employees with PNC Bank online credentials. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third-party strategists.

Eric Decker is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and 25 years of industry experience. He has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of advising, he has an interest in rental property management through a company that handles operations on his behalf. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

William Morrison is a CFP® and ChFC® with 22 years of experience in financial advisory services. He is currently with CWM, LLC, where he has worked for 10 years, and has held roles at Jacob William Advisory and Jacob William, Inc. Morrison serves as an adjunct professor at Towson University and is a board member for both the University of Baltimore Foundation and the Pro Bono Counseling Project. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of more than 600 advisors. The firm offers portfolio management, financial planning, retirement-plan services, and employs a discretionary management approach using model portfolios governed by an in-house Investment Committee.

Louis Foxwell is a CFA® charterholder with four years of industry experience, currently serving as a financial advisor at Focus Partners Wealth, LLC. Prior to this role, he worked at The Colony Group, LLC, and Connectus Wealth. Focus Partners Wealth serves a diverse range of clients including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutions. The firm employs a long-term, tax- and fee-sensitive investment approach featuring enhanced open architecture, fundamental and quantitative analysis, and an extensive network of affiliated service companies offering various financial and insurance solutions.

Terese Hopper is a financial advisor at PNC Wealth Management with seven years of industry experience. She holds a Series 66 designation and has worked previously at Bank of America, N.A. and Merrill. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including the Portfolio Solutions Strategist Digital Offering, an online discretionary model account available by invitation to PNC Bank employees. The firm employs algorithm-driven portfolio recommendations and delegates investment implementation and proxy voting to third parties.

Kali Lambert is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and two years of industry experience. Prior to joining Janney, she worked at Raymond James & Associates and Morgan Stanley. Outside of her advisory career, she is involved with Rev Cycle Studio and FS8 Pilates. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate sponsors, and municipal clients, offering services such as brokerage, financial planning, and advisory programs supported by both in-house and third-party portfolio management.

Michele Hartman is a CFP® professional with 15 years of industry experience, currently affiliated with Commonwealth Financial Network since 2015. She also owns Michele Hartman Financial Services, a private entity facilitating securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and back-office support, including investment management, compliance, and practice-management services.

Ryan Flanders is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He has worked at Commonwealth since 2018 and previously was affiliated with 1st Global Advisors, Inc. and 1st Global Capital Corp. Outside of his advisory role, Flanders is involved in tax preparation and accounting through his ownership of David A Flanders CPA, LLC. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and customized investment solutions, while providing operational, trading, technology, compliance, and practice-management support to affiliated advisors.

Jason Zephir is a financial advisor at Empower Advisory Group with 21 years of industry experience. He holds a Series 66 designation and has previously worked at Charles Schwab Bank SSB, Charles Schwab & Co., Ameriprise Financial Services, Merrill, and Bank of America. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, utilizing an integrated model tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and savings rates while serving a large participant base relative to its advisor headcount.

Louis Defidelto is a CFP® and ChFC® with 22 years of experience in the financial industry. He has worked with Centaurus Financial, Inc. since 2011 and The Eagle Group Financial Advisors since 2004. In addition to his advisory career, he serves as a captain and flight officer for United Airlines. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base, including individuals, families, businesses, trusts, and foundations. The firm offers a range of financial planning and portfolio management solutions, utilizing both discretionary and non-discretionary approaches with various analytical methods and specialized advisory services.

John Troiano is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 66 credentials and 27 years of industry experience. He previously worked at Stifel Nicolaus & Co., Inc. for 11 years before joining Janney Montgomery Scott. Troiano serves as an ex officio, non-voting member of the Mann House alcoholism treatment program board, where he explains financial matters. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a wide client base including individuals, families, trusts, estates, and institutional clients, offering a combination of brokerage, financial planning, and advisory services through various wrap programs and managed accounts.

Jennifer Ryan is a CFP® with 18 years of industry experience. She is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, Connectus Wealth, and The Simmons Partnership. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses. The firm employs a long-term investment approach that integrates active and passive strategies within an enhanced open architecture framework.

Laura Snyder is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing Services LLC and Raymond James & Associates. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services.