Lawrence Raigrodski is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked with Avantax firms for over two decades before joining Cetera in 2025. Outside of advisory work, he is a certified public accountant and operates a tax preparation and accounting practice. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and customized strategies.

Juan Guillen is a financial advisor with Wells Fargo Clearing, holding Series 65 and Series 63 licenses and four years of industry experience. His work history includes roles at Wells Fargo Bank, Truist Bank, Bank of America, PNC Bank, and Allstate. From 2017 to 2019, he was involved with the Apostolic Ministry of Reconciliation. 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 supported by research from Wells Fargo Investment Institute and other sources.

Deborah Stotelmyer is a financial advisor at Primerica Advisors with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with Primerica Financial Services since 1997. Outside of her financial advisory role, she teaches private music lessons at Cumberland Valley School of Music. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports client accounts through BNY Mellon Advisors and Pershing.

Irene Tata is a financial advisor with Ameriprise in Rockville, MD, holding Series 63 and Series 66 designations and 18 years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Outside of her advisory role, she serves as an agent named in health care directives and as a standby trustee and executor. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies. The firm provides a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Megan Hendricksen is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. Her prior work includes roles at Wells Fargo Bank, M&T Bank, and PNC Bank. She is based in Columbia, MD. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Louis Foran is a financial advisor with RBC Capital Markets in Columbia, MD, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has worked at RBC Capital Markets since 2009 and concurrently with City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers.

Denis Mc Groddy is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and bringing 32 years of industry experience. His career includes roles at Charles Schwab Bank, TD Ameritrade, Inc., and Scottsdale Securities. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by centralized custody and operational infrastructure.

Benjamin Goldsmith is a financial advisor with Wells Fargo Clearing based in Columbia, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Wells Fargo Clearing in 2025, he held positions at Bank of America, Merrill, and several other companies. His background includes roles outside finance in the automotive and hospitality sectors. 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 the Wells Fargo Investment Institute.

So Myong Kim is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, HSBC Securities (USA) Inc., HSBC Bank USA, N.A., and MB Financial Bank, N.A. since 2015. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Oettinger is a CFP® with 28 years of industry experience, currently serving as a financial advisor at LPL Financial in Rockville, MD. He has previously worked at Stratos Wealth Partners, Uvest Financial Services Group, and Merrill. Oettinger is a 34% owner of Vintage Insurance Partners and is involved with an insurance agency called Medicare PhD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Eugene Mc Vey is a financial advisor with LPL Financial and holds a Series 66 designation. He has five years of industry experience, including roles at firms such as Merrill, TD Bank, and MassMutual. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Herbert Ortega is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and research. The firm offers services both directly and through Corporate Financial Planning agreements with employers, managing approximately $2.74 trillion in client assets.

Patrick Haney is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 32 years of industry experience and has previously worked at MML Investors Services, Mass Mutual Life Insurance Company, Kestra Investment Services, Osaic FA, Inc., and The Advisors Group, Inc. Haney also operates The Haney Company, an insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting a large network of advisors with both discretionary and non-discretionary investment strategies.

Patrick Dunn is a financial advisor at Osaic with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Lincoln Financial Advisors for 11 years and New England Securities for two years. Dunn is the sole owner of Copper Dunn Company, which offers group insurance and employee benefits, and he serves as a volunteer trustee on the board of St. Joseph’s Collegiate Institute in Buffalo, NY. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services across various programs, employing a model-based investment process with options for discretionary and advisor-managed strategies.

Frank Scicchitano is a Series 66 certified financial advisor at Wells Fargo Advisors with 25 years of industry experience. His prior roles include positions at UBS Financial Services Inc., Wells Fargo Clearing, Banc of America Investment Services, and Morgan Stanley DW Inc. He is also involved in managing private investment firms. Wells Fargo Advisors serves individual, trust, and institutional clients, offering a broad range of investment and financial planning services including specialized planning for business-owner transitions, special-needs analysis, and divorce planning. The firm combines advisory services with various financial products and referral channels.

George Enone is a CFP® and Series 66 credentialed advisor at OSAIC with 25 years of industry experience. His prior roles include positions at Woodbury Financial Services, Capital One Advisors, Next Financial Group, and PRUCO Securities. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization.

Paul Andrews is a Series 66 licensed financial advisor with 24 years of industry experience. He has been with Raymond James & Associates since 2020, following an 11-year tenure at UBS Financial Services Inc. Andrews is a partner and owner of Andrews Capital LLC, which he uses to hold private investments. He is also a partner in THE BOOM LLC, an entity established with a family member to purchase a condominium in Florida for personal use. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing a variety of portfolio management styles supported by in-house research and affiliated sub-advisers.

Michael Moriarty is a CFP® with 32 years of industry experience who currently advises at Fidelity. His prior roles include positions at Ameriprise, Bronfman E.L. Rothschild, Highline Wealth Management, and Morgan Stanley. He works within Strategic Advisers LLC, a Fidelity Investments company that offers investment management and advisory services to retail and institutional clients. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios, and it serves multiple registered investment companies and an IRS-qualified Charitable Gift Fund.

Beatriz Casado is a financial advisor with Wells Fargo Clearing, holding a Series 66 credential and 20 years of industry experience. Her career includes roles at Merrill and Morgan Stanley, where she worked for over a decade before joining her current firm. 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, combining research-driven investment strategies with services distributed through affiliated banking and insurance entities.

Donald Monroe is a financial advisor at Wells Fargo Clearing with 22 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley. Monroe has been with Wells Fargo since 2016, serving clients in Columbia, MD. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm operates at large scale, managing approximately $671 billion in assets and providing both brokerage and advisory solutions.