Christopher Elmonus is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation. His prior roles include positions at Bearlight Marketing, Fairview, and Wake Forest University. 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.

Kameliya Nikolova is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) designation, reflecting her expertise in retirement planning strategies. Kameliya earned her Bachelor's Degree from the American University in Bulgaria. Her role involves providing clients with tailored financial advice and retirement planning solutions.

Joseph Nguyen is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, where he has worked since 2007. He has 13 years of industry experience. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

John Dove is a CFP® and holds a Series 66 license with nine years of industry experience. He has been with Edward Jones since 2017 and previously owned Love Dove Farms LLC from 2010 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients through a nationwide network of over 23,700 financial advisors. The firm offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Michelle Oosterwijk is a financial advisor at Morgan Stanley in Baltimore, MD, with six years of industry experience and a Series 66 designation. She has been with Morgan Stanley since 2020, including a role at Morgan Stanley Private Bank, N.A. since 2021. Outside of her advisory work, she serves on the Towson University College of Business & Economics Advisory Board, providing guidance to support the institution’s educational mission. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, utilizing structured financial planning tools and a comprehensive investment approach. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

Jared Kilberg is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings over 11 years of experience working with clients across various stages of life, focusing on long-term planning and personalized financial strategies. Jared partners with individuals, families, business owners, and executives to navigate the complexities of wealth management, including areas such as college education planning, legacy planning, personal retirement planning, tax minimization, and retirement income. Jared holds a Bachelor's Degree from the College of Charleston and has earned the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. His approach emphasizes working closely with clients to develop comprehensive wealth management strategies tailored to their unique goals and circumstances, providing access to investment insights, lending solutions, banking services, and specialized planning resources. Outside of his professional role, Jared is involved with community organizations such as Repair the World (Baltimore) and The League of People. He enjoys activities including biking, cooking, music, photography, reading, running, running marathons, and traveling. Jared is married and lives with his dog Rex and cat Daniel in Baltimore, where he can often be found running or cycling locally.

Matthew Aversa is a financial advisor at OSAIC with 10 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for seven years and AXA Advisors LLC for two years. Outside of his advisory role, he is the owner of Maller Wealth Advisors, Inc., offering a range of insurance products, and serves on the golf committee board for Pathfinders for Autism, a charitable organization. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, providing integrated brokerage and advisory services through a wide network of affiliated advisers. The firm employs asset-allocation tools and managed-account platforms to construct portfolios with various investment types, supporting both discretionary and non-discretionary management.

Christopher Biddison is a Series 66 licensed financial advisor with Equitable Advisors in Columbia, MD, where he has worked since 2005. He has 21 years of industry experience and previously worked with Axa Advisors, LLC. Outside of his advisory role, he is involved as a member and co-owner of Lee Creek Farm, LLC, which manages a property in Cambridge, Maryland. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm offers various investment programs through a network of advisers and third-party sponsors, focusing on personalized risk assessment and model selection without relying on hypothetical performance in advertising.

Princess Taylor is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 registrations. She has one year of industry experience, including roles at Wells Fargo Bank and Wells Fargo Clearing since 2025, and prior positions at Navy Federal Credit Union and other organizations. 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 combines research and analytics with diversification principles to offer brokerage and advisory solutions across a broad range of financial products.

Bryan Costabile is a financial advisor at Raymond James Financial with one year of industry experience. He holds a Series 66 designation and has worked previously at LPL Enterprise LLC and in sports-related roles with the Premier Lacrosse League, Under Armour, and the Washington Commanders. Outside of advisory work, he is involved in sports coaching and owns Icecap Sports Club in Maryland. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting, supported by analytical tools and a large advisor network.

Jake Marcoux is a financial advisor at Ameriprise with 22 years of industry experience. He holds the Series 66 designation and previously worked at Prudential Insurance Company of America and PRUCO Securities, LLC for 17 years. Outside of his advisory role, he has business ownership interests in real estate-related ventures. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

David Baker is a financial advisor at Equitable Advisors with 18 years of industry experience. He holds the Series 66 designation and has worked previously at Morgan Stanley and Citigroup Global Markets. Baker also serves as an administrator or executor of estates and trusts for family and non-family members. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of third-party advisory models and proprietary tools, offering services through a large network of Investment Adviser Representatives.

Craig Gayhardt is a financial advisor at Wells Fargo Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo in various capacities since 2009. Outside of his advisory role, he owns and operates SOJAC Ventures LLC, an investment-related business based in Cockeysville, MD. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, including specialized services such as business-owner transition and special-needs planning.

Matthew Lowry is a CFP® professional with 29 years of industry experience. He has been with LPL Financial since 2012. He also serves as a trustee for the Helen P Lowry Great Grandchildren Trust. 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 institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary and third-party investment strategies.

Kathie Okun is a financial advisor at LPL Financial with 38 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial, she worked at OSAIC, Lincoln Financial Advisors, Penn Mutual Life Insurance Company, and HORNOR, TOWNSEND & KENT, Inc. Okun is owner and president of Okun Financial Group Inc., which offers accident, health, disability, fixed annuities, and traditional life insurance products. She also serves as a board member of Enterprising Women. 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 various financial planning and asset management solutions, utilizing both proprietary research and third-party strategies, supported by technology tools for operational and research assistance.

Seung Shin is a financial advisor with Morgan Stanley in Owings Mills, MD, holding Series 63 and Series 66 licenses and nine years of industry experience. His prior experience includes roles at Bank of America, N.A. and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning using structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate quantitative modeling techniques.

Marc Pushkin is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 credentials and possessing 37 years of industry experience. He previously worked at New England Securities for 14 years before joining LPL Financial in 2013. Outside of his advisory role, he serves as president of Pushkin & Pushkin, Inc., acts as an expert witness in actuarial matters for divorce and personal injury cases, and is involved in tax preparation and fiduciary duties related to a profit-sharing plan. 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 broad range of advisory and brokerage services including financial planning, model portfolio programs, and access to third-party asset managers, supported by extensive technology tools and a large network of over 22,800 advisors.

Michael Weber is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at LPL Financial since 2019 and previously spent three years at Kestra Financial Services, Inc., while maintaining his own CPA practice, MacDonald & Weber, P.A., since 1984. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party subadvisors, and institutional platforms.

Michael Branthover is a CFP® professional with 11 years of industry experience, currently serving as an advisor at LPL Financial since 2016. He previously worked with Hergenroeder Financial Advisors, Inc. and holds a Series 66 license. Outside of his advisory role, he is a commissioned notary public. 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 financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms, supporting a broad range of investment strategies through a large network of advisors.

Miguel Zayas is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following prior roles at Wachovia Bank, N.A. and Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related investment options alongside traditional financial products.