Stephen Smith is a financial advisor with OSAIC, holding a Series 66 designation and having 21 years of industry experience. He previously worked at Sii and John Hancock Life Insurance from 2004 to 2018. Outside of advising, Smith operates an insurance brokerage specializing in life and health fixed insurance products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Terrence Davis is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in developing personalized wealth management strategies tailored to each client's unique financial picture. His approach focuses on uncovering what matters most to clients and their families to help pursue their financial goals. Terrence's experience encompasses a range of client focus areas, including education planning, equity compensation services, family wealth management strategies, legacy and philanthropic planning, socially responsible and ESG investing, tax minimization, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation as well as the Personal Investment Advisor (PIA) designation. Terrence earned his bachelor's degree from Morgan State University. Beyond his professional work, Terrence enjoys basketball, billiards, chess, drawing and sketching, music, painting, swimming, table tennis, and spending time with his family.

Travis Wynn is a financial advisor with Charles Schwab, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Fidelity Investments, Citi, Merrill Lynch, and TD Bank. Wynn is currently based in Towson, MD. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through the Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by centralized supervisory and custody arrangements.

Max Highstein is a financial advisor with LPL Financial, holding the Series 63 and Series 65 designations and bringing 27 years of industry experience. He previously worked at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc., and has maintained a CPA and MBA practice since 1981. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources and applying strategies including discretionary and non-discretionary management.

John De Nuto is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial, he was with Cetera Advisor Networks and has long-term employment as a Senior Staff Engineer at Northrop Grumman Systems Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, retirement plan consulting, and brokerage services.

Marissa Bennett is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 credential and 10 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2016 and currently works at Morgan Stanley Private Bank, N.A. 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 employs structured planning tools and scenario modeling as part of its financial planning process.

Michael Schuller is a financial advisor with Thrivent Investment Management in Baltimore, MD, holding a Series 66 designation and 20 years of industry experience. He has worked with Thrivent Financial for Lutherans and Thrivent Investment Management since 2006. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based planning that covers various financial topics and allows clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan.”

Eyob Eyob is a financial advisor at Merrill based in Hanover, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Merrill, Eyob spent several years at Bank of America and has additional work experience outside the financial industry. Merrill 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Aaron Forker is a financial advisor at RBC Capital Markets with 10 years of industry experience. He holds a Series 66 designation and previously worked at Merrill and Morgan Stanley Private Bank, N.A. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Paul Bird is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported advice primarily for clients with Ameriprise-managed accounts.

John Wasilewski is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he serves as an officer in a clean fracking water company called C2GENERGY and oversees private equity investments through a partnership, JKWAZ LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including portfolio management and financial planning. The firm integrates proprietary capital market research and institutional trading capabilities with wealth management services.

Kristen Vargay is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2012. The firm 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Alyssa Gorny is an advisor at J.P. Morgan Securities with a Series 66 designation and less than one year of industry experience. Prior to joining the firm, she held roles at JPMorgan Chase Bank, N.A., Constellation Energy, and was affiliated with the University of Rochester and its Goergen Athletic Center. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support client decision-making.

Chris Magnolia is a Financial Consultant currently working at Fidelity Investments since 2024. In this role, he collaborates with clients to develop financial plans tailored to their specific needs, focusing on understanding their current financial position and identifying strategies to achieve their goals. Chris has experience in financial services dating back to 2019. Prior to his current role, he was an Investment Consultant at Fidelity Investments from 2021 to 2024, and before that, he worked as a Financial Advisor at First Financial Group from 2019 to 2021.

Drew Gagnon is a financial advisor at Morgan Stanley in Lutherville, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at RBC Capital Markets for three years and has experience at StoneBridge Advisors and The Arena Club. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and models.

Geoffrey Flanders is a CFP® with 12 years of experience in the financial industry. He is currently affiliated with Charles Schwab and has previously worked at Nationwide Investment Services Inc, Bank of America, Merrill, and T. Rowe Price. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through a range of advisory, brokerage, and custodial services. The firm offers both non-discretionary and discretionary investment management options, utilizing multi-asset model portfolios and a formal alternative-investment process.

Timothy Barger is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at various J.P. Morgan affiliates since 2018 and previously held roles at Academy Financial Advisors and Lincoln Financial Advisors. Outside of his advisory work, Barger serves as a board member on the NextGen committee of the Association for Corporate Growth, Maryland Chapter, a nonprofit focused on fostering corporate growth among young professionals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Cecil Denton is the sole advisor at Decisions, LLC in Baltimore, MD, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Decisions since its founding in 1997. In addition to his advisory work, he is involved in life insurance activities with brokerage companies. Decisions, LLC provides financial planning and consulting services while referring clients to third-party asset managers and broker-dealers for portfolio management. The firm serves individuals, high-net-worth clients, business entities, and nonprofit organizations, and does not take custody of client assets.

August Gischel Jr. is a financial advisor at Capital Advisor Management with 4 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Global Brokerage Services, Inc. and Capital Advisor Management since 1999. Capital Advisor Management is an independent firm.

Renato Sciacqua is a financial advisor with Tilton-Steele International in Baltimore, MD, holding a Series 65 designation and four years of industry experience. He has been with Tilton-Steele International since 2012. Tilton-Steele International serves high-net-worth individuals, families, trusts, endowments, foundations, charitable organizations, and pension plans by arranging introductions between investors and independent investment advisors. The firm focuses on referral arrangements rather than discretionary portfolio management or asset custody, emphasizing advisor selection criteria and portfolio monitoring.