Heidi Locastro is a financial advisor at Fidelity with 26 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at firms including Merrill, PNC Investments, Metlife Securities, and TIAA-CREF. She is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios and advisory services to a diverse client base.

Beth Terry is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing financial solutions and personalized wealth management strategies for high net worth individuals, families, and businesses. She focuses on building relationships with clients to understand their risk tolerance, time horizon, liquidity needs, and overall investment goals, enabling her to offer tailored advice across all areas of their wealth management. Beth has been working in the financial services industry since 2006. She holds a Bachelor's Degree from the University of Georgia, where she studied Family Financial Management. Beth is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Series 7, 31, and 66 FINRA registrations. She is also recognized as a Personal Investment Advisor (PIA) and is affiliated with Merrill Lynch. In addition to her professional work, Beth supports community organizations including UMAR, Marian House, and the Boys and Girls Clubs. Her personal interests include boating, golfing, reading, spending time with family, and playing tennis.

John Day Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with LPL Financial since 1996. Day also works as an instructor and is involved in selling disability, health insurance, fixed annuities, long-term care, and life insurance. 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 financial planning and investment management services through a large network of advisors using diverse portfolio strategies and advanced operational tools.

Luke Welsh is a financial advisor at LPL Financial with Series 66 credentials and one year of industry experience. His prior work includes roles at Goohoo Digital and Coastal Carolina University. 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 provides advisory and brokerage services with a wide range of investment options and uses technology tools to support advisors while managing over $819 billion in discretionary assets.

Bradley Hartzel is a CFP® and holds a Series 66 license with 20 years of industry experience. He is currently with Edelman Financial Engines and has previously worked at several affiliated firms including Financial Engines Advisors L.L.C. and Edelman Financial Services LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individuals, retirement-plan participants, and institutional clients, combining committee-driven proprietary modeling with planner delivery and online tools. The firm offers diversified model portfolios, discretionary and non-discretionary advice, and serves approximately 477,000 clients with a range of workplace and direct-subscription solutions.

Daniel Chattler is a CFP® professional affiliated with OSAIC in Ellicott City, MD, with four years of industry experience. Prior to joining OSAIC, he worked at The Vanguard Group, Inc. for five years and at Ventura Promotional Products, Inc. for five years. OSAIC serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services supported by a model-based investment process and a multi-advisor platform. The firm is recognized for its scale, affiliate network, and integrated offerings across asset management, broker-dealer, and trust services.

Brian Walter is a financial advisor at RBC Capital Markets with seven years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2019, following eleven years with the Department of Defense. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Clinton Hare is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. Outside of his advisory role, he owns and manages a portfolio of model homes purchased from a homebuilder, which he rents and later sells. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a network of Investment Adviser Representatives and third-party asset managers to deliver customized investment solutions without sponsoring its own wrap fee program.

Karen Johnson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing Services since 2018 and has been with Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Ahmad Bean is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Amazon, MV Transportation, and Caesars Entertainment. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Baitel is a financial advisor with LPL Financial based in Owings Mills, MD. He holds Series 63 and Series 65 licenses and has 23 years of industry experience, including prior roles at Metlife Securities, Massachusetts Mutual Life Insurance Company, and Pruco Securities. Outside of his advisory work, he designs and sells dog ramps and owns a jewelry wholesale business. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a wide array of investment strategies and technology tools.

Ilghar Samadzadeh is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 credentials. He has prior experience working at Wells Fargo Bank and George Washington University. 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.

Kevin Kraska is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior work includes roles at Janney Montgomery Scott and Brown Advisory, where he spent 18 years combined across Brown Advisory and Brown Advisory Securities. 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.

Pratik Bhavsar is a financial advisor with LPL Financial in Ellicott City, MD, holding Series 65 and Series 63 licenses and five years of industry experience. His work history includes roles at M&T Bank, Northwestern Mutual, PNC Bank, and Capital One. Bhavsar is also a commissioned notary in Ellicott City. 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 services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research and technology tools.

Sheila Oneill is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, and charitable clients, offering a range of advisory programs with tailored investment strategies implemented through various investment managers and model providers. The firm combines portfolio management, financial planning, and custody services with access to alternative investments and integrated capital markets capabilities.

Corinne Patteson is a financial advisor at RBC Capital Markets with eight years of industry experience. She holds the Series 66 designation and has been with RBC Capital Markets since 2018. Prior to this, she worked at Dominium Group Sports, LLC. Patteson serves on the Board of Directors for St. Joseph School in Cockeysville, MD, where she participates in strategic planning and committee work. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors. The firm offers tailored investment strategies through various advisory programs, combining in-house and third-party managers to meet clients' risk profiles and investment objectives.

Todd Binder is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 1999. Outside of his advisory role, Binder acts as an agent for TriBridge Partners, LLC, providing various life, health, disability, fixed annuities, and long-term care insurance products. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved software and collaborative client relationships to develop written recommendations.

William Vaccacio is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 certifications and previously worked at NYLIFE Securities LLC and New York Life Insurance Company. Vaccacio is based in Hunt Valley, MD. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Jeremiah Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and beginning his advisory career in 2025. His prior work experience includes roles at Wells Fargo Bank, FedEx, Macy’s, Kohl’s, and several educational institutions. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and employs more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Eric Nace is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 65 licenses with eight years of industry experience. His prior work includes positions at Bank of America, N.A., Citizens Securities, Inc., as well as experience in hospitality at Rockfish Public House and Heritage Hills Golf Resort. 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 a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.