Justin Bowmaker is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 19 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2009 to 2017. Outside of his advisory role, he is involved in automobile racing. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using detailed client data and firm-approved analytical tools to provide written financial recommendations.

Matthew Braerman is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His prior work includes roles in hospitality and education. Outside of financial advising, he has worked as a bartender at Lib's Grill. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors as well as institutional clients. The firm uses model-driven investment approaches and offers access to third-party asset managers, retirement plans, and insurance products through affiliated entities.

Jacqueline Aime is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Ameriprise in Leesburg, VA. Her career includes roles at Prudential Insurance Company of America, Anthem, Humana, and Cuso Financial Services. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendation reports through a centralized consulting team.

David Anderson is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. His prior roles include positions at Truist Advisory Services, Truist Investment Services, and BB&T Securities. He also operates an independent investment-related business, DANDERSON121449, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including retirement, education, risk, and wealth-transfer planning, using proprietary research and tools to develop tailored client recommendations.

Robert Boyles is a financial advisor with MassMutual Investors Services in Elkridge, MD, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. He has worked at MassMutual Investors Services since 2017 and was previously with MetLife Securities from 2014 to 2017. Outside of his advisory role, Boyles is also an insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, emphasizing collaborative, goal-oriented planning without discretionary investment authority.

Kimberly Gould is a financial advisor at Morgan Stanley with 15 years of experience at the firm and four years in the industry. She holds a Series 66 designation. Outside of her advisory work, she is involved with Capitol Debate Inc. and Charter Senior Living LLC, an elder care business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

David Johnston is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as co-trustee for family-related investment trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Taylor Currie is a financial advisor at Merrill with a Series 66 designation and has been in the industry since 2024. Prior to joining Merrill, Taylor held roles at Bank of America, Warby Parker, and Optum (United Health Group). 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Garrett Conn is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 65 and Series 63 credentials and eight years of industry experience. Prior to joining Mass Mutual Investors Services in 2018, he worked for Northwestern Mutual and Enterprise Holdings. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers various asset management programs alongside educational seminars.

Michael Hopkins is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 credential and over 25 years of industry experience. He has been with Morgan Stanley since 2009 and with the Morgan Stanley Services Group Inc. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Sean Carter is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Bankers Life and the University of Maryland, College Park. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Bradley R. Knapp is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Baltimore, MD office. He joined Merrill Lynch in 2001 and has held various roles within the Firm’s Global Wealth and Investment Management Division, including Vice President in the Financial Planning Department at Merrill Lynch Corporate Headquarters and Financial Advisor positions in the Rockefeller Center office in New York City and the San Diego, CA office. Brad's expertise encompasses all aspects of wealth management with a focus on investment selection and planning, retirement income strategies, philanthropic planning, and estate planning strategies. He is a qualified Portfolio Manager who can manage personalized or defined investment strategies on a discretionary basis. His client focus areas include college education planning, family wealth management strategies, retirement planning, philanthropy, portfolio management, small business strategies, tax minimization, and retirement income. Brad holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the CERTIFIED INVESTMENT MANAGEMENT ANALYST® (CIMA®) professional designation. He is registered with FINRA Series 7 and 66 securities licenses, holds a State of Maryland insurance license, earned a Bachelor of Science degree in small business with a minor in consumer economics from the University of Vermont, and obtained a Master's degree in financial and tax planning from San Diego State University. Outside of work, Brad lives in Cockeysville, MD with his wife Amber and their four sons. He spends time hiking, skiing, playing golf, coaching youth lacrosse, and serves as a qualified Alpine Patroller with the National Ski Patrol.

Luis Otero Lopez is a financial advisor with Wells Fargo Clearing based in Columbia, MD. He holds Series 65 and Series 63 licenses and has experience working at firms including J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, he has been involved with LSJC Services since 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and combines research from its Investment Institute with third-party analytics to guide investment selection and portfolio diversification.

Sebastian Buonato III is a financial advisor at Morgan Stanley with 36 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as a board member for the Howard County Youth Hockey Club in Columbia, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning and managing approximately $2.74 trillion in client assets.

Mary Mc Carthy Melton is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, and T. Rowe Price. 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.

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.

Benjamin Cummins Jr. is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and five years of industry experience. He has worked at Merrill Lynch at Bank of America since 2017, with prior roles including a position at Accent Vending and time at Salisbury University. He currently serves as Treasurer of Trojanwood Golf Club, a small family-oriented golf club. 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 model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Andrew Miller is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and three years of industry experience. Prior to joining Equitable Advisors, he worked at Charter Financial Group and has been involved with Honeywood Rentals, a party and event rental business, as an inventory manager and installer. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Brian Horn is a CFP® with 29 years of industry experience. He currently works at OSAIC and previously spent 29 years with Lincoln Financial Advisors Corporation. In addition to his advisory role, he owns a car wash business and is involved with Heritage Financial Consultants, LLC. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and risk-tolerance assessments to develop tailored portfolios.

Edward Feduke is a CFP® professional with five years of industry experience, currently serving with Cetera. His prior work includes roles at Guardian Life Insurance Company, Park Avenue Securities, and multiple mortgage firms. Outside of his advisory duties, he volunteers as a college funding coach. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services and allows advisors to implement model portfolios, select third-party managers, or create customized strategies.