Charles Hurtt is a financial advisor with Ameriprise in Lutherville, MD, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wells Fargo Advisors. Outside of his advisory role, Hurtt is involved in tax preparation through business ownership. Ameriprise is an institutional firm that offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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.

Steven Dannenmann is a financial advisor at LPL Financial with 36 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Wise Financial Group. Outside of his advisory work, he is a professional poker player and an author. 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, supported by extensive advisor resources and technology.

Tina Hines is a financial advisor with LPL Financial based in Hanover, MD. She holds a Series 66 designation and has one year of experience at LPL Financial, along with prior roles at Tower Federal Credit Union and Bank of America. Outside of her advisory work, she owns US Clothing LLC, operating under the name Uniform Pro. 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, utilizing both proprietary research and third-party strategies across various account types.

Zachary Scott is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at NewDay Financial LLC and RagingBull.com LLC. Outside of his advisory role, he provides personal in-home support for individuals with disabilities through The Arc of Central Chesapeake Region and coaches high school baseball in Howard County. 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 advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced research and operational tools.

David Kelley is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 1999. Outside of his advisory work, he manages a rental property in Towson, Maryland. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage with access to alternative investments and multi-asset model portfolios.

Paul Gladkowski is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2014, including his current role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides tailored planning primarily in an advisory capacity.

Matthew Alton is a financial advisor at OSAIC with two years of industry experience and holds the Series 66 designation. His prior work includes roles in the restaurant industry as well as academic and service positions. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various advisory platforms and legacy program transitions.

Shreya Tiwari is a financial advisor at Cetera with 15 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Advisors and First National Bank of Pennsylvania. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

George Konstantas Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has been associated with Primerica Advisors since 1985 and Primerica Financial Services since 1991. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-delivery strategies from unaffiliated asset managers and offering a range of investment approaches including tactical and tax-managed models. The firm supports its advisory services with custody and trade execution through Pershing and BNY Mellon Advisors, managing approximately $15.5 billion in assets.

Joseph Heathcock is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and previously worked at Thrivent Financial, Burgundy Farm Country Day School, Veritas Underground Media, and Sandy Spring Friends School. Outside of his advisory role, he is involved in managing a residential property with his wife. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

James Cannon is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with UBS since 1987. Outside of his advisory role, he serves as a trustee for family trusts. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans and offers both fiduciary financial planning and extensive capital markets services.

Patrick Clark is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and has been with Cetera and Cetera Investment Services LLC since 2020. Prior to his financial career, he had diverse work experiences including roles outside the industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary authorities across multiple program structures.

Brady Allen is a financial advisor with Equitable Advisors in Baltimore, MD, holding a Series 66 designation and one year of industry experience. His background includes roles with Stifel Independent Advisors and participation in the Fulbright Program, as well as experience in education and research-related fields. Equitable Advisors serves a diverse clientele, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and a range of asset-management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

Steven James is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 66 credentials and 11 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and T. Rowe Price. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Nicholas Smeresky is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models such as Monte Carlo simulations as part of its financial planning process.

Ryan Engles is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that align with their individual goals and priorities, focusing on areas such as retirement planning, college education planning, family wealth management, legacy planning, tax minimization, and socially responsible investing. He brings experience in helping clients navigate the complexities of wealth planning by providing clear and personalized advice. Ryan holds a Bachelor's Degree from Babson College and has earned the Personal Investment Advisor (PIA) designation. He emphasizes understanding clients' personal perspectives to create strategies tailored to their financial objectives. Residing in Towson, Maryland, Ryan is involved in his community through youth sports with Towson Rec. Outside of work, he enjoys coaching and staying active with activities including running, basketball, baseball, football, pickleball, chess, and table tennis.

Michael Havlik is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 14 years with Metlife Securities Co. Outside of his advisory role, he is an independent insurance agent specializing in health insurance and is a co-owner of Tidecreek Planning, LLC. 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, structuring planning engagements as annual, collaborative relationships that focus on goal analysis and written recommendations.

Scott Manning is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and thorough discovery processes. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

George Raduano is a Financial Advisor with Thrivent Investment Management, holding a Series 66 credential and one year of industry experience. Prior to joining Thrivent in 2025, he worked for nearly three decades at Trinity Assembly of God. He serves as Chairman of the Board for Ascent College, a biblical education institution focused on leadership formation. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without portfolio management or discretionary trading authority. The firm emphasizes holistic planning across multiple financial topics and integrates planning with managed-account services under a consolidated billing option.