Amy Mc Elhose is a financial advisor at Merrill with a Series 66 designation and 4 years of industry experience. She has been with Merrill since 2005. Outside of her advisory role, she is the author of the book *Didi—The Life and Death of a Hidden Artist*. 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.

Eric Wells is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Cambridge, he held positions at T. Rowe Price and served as a federal government employee. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary model strategies.

Avi Greenlinger is a financial advisor at RBC Capital Markets with 22 years of industry experience. He holds a Series 66 credential and has worked at City National Bank, Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Greenlinger serves on the boards of several Baltimore-based nonprofit organizations, including Jewish Educational Services and the Jewish Community Federation of Baltimore. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base ranging from individual investors to institutions and charitable organizations. The firm offers tailored investment strategies supported by a combination of in-house and third-party managers, with services that include portfolio management, financial planning, and custody.

Meagan Sexton is a CFP® and ChFC® with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, she worked with The Greater Bethesda Chamber of Commerce and was involved with A & J Hospitality Corp / Eco Caters. Additionally, she has taught classes in Rockville, MD. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a wide range of investment advisory programs and affiliated financial services, supported by a nationwide network of over 23,700 advisors.

William Persons is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services.

Kevin Appler is a CFP® professional with 30 years of experience in the financial industry. He has worked at LPL Financial off and on since 2008 and also spent time at Kestra Financial Services and Tower Federal Credit Union. He operates Tower Wealth Management as a DBA for his LPL business. 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Kirby Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. His career includes prior roles at Ameriprise Financial Services and Morgan Stanley. Outside of his advisory work, he serves as an affiliate professor teaching portfolio management at Loyola College of Maryland and performs wedding officiant duties in his community. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement consulting to individual, corporate, and institutional clients. The firm uses research and analytics to support its investment approach and offers both brokerage and advisory solutions at scale.

Ellis Gallimore is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at several firms including Valic Financial Advisors and Cetera. 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, and institutional platforms, supporting a large network of advisors with a wide range of investment strategies.

Gilma Hernandez is a financial advisor with LPL Financial, holding a Series 66 license and four years of industry experience. Her previous roles include positions at Merrill and Bank of America, N.A. Hernandez currently conducts wealth management activities through Tower Federal Credit Union. 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 solutions through a large network of advisors, utilizing model portfolios, third-party managers, and customized strategies.

Deborah Frech is a financial advisor with LPL Financial, holding Series 63, Series 65, and Series 66 licenses and bringing 26 years of industry experience. Her prior roles include positions at Avantax Investment Services, BFJ Wealth Management, and 1st Global Advisors. She is also involved with Bell, Frech & Jacobs, a CPA firm specializing in tax preparation and accounting services. 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 a range of financial planning and asset management solutions, including access to third-party managers and institutional platforms.

Ashley Lazarewicz is a financial advisor with Wells Fargo Advisors in Ellicott City, MD, holding a Series 66 designation and 17 years of industry experience. She previously worked at Bank of America and Merrill from 2011 to 2020. Outside of her advisory role, she organizes events and golf outings for a local business women's network. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing a broad range of investment and financial planning services, including specialized planning for business transitions, sports and entertainment, special needs, and divorce. The firm delivers tailored recommendations through meetings and client summaries, with optional implementation through brokerage or advisory programs.

John Foard is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving as a Financial Advisor since 1994, joining Merrill Lynch in 2002 after previous roles at First Union/Wachovia and Edward Jones. John holds a Personal Investment Advisor (PIA) designation. John specializes in portfolio management and asset allocation, designing customized investment portfolios that align with each client's unique preferences, timelines, cash-flow needs, and risk tolerance. He works closely with clients to identify their financial goals and needs, applying a disciplined investment methodology to help families advance their financial well-being through informed advice and tailored wealth strategies. He earned his high school diploma from Severn School and a bachelor's degree from Franklin & Marshall College. John is actively involved in his community, serving as the President of the Woodbridge Forest Homeowners Association and as an usher at Severna Park United Methodist Church. He lives in Severna Park with his wife Mary and their twin daughters. In his free time, John enjoys boating, golfing, gardening, landscaping, and outdoor grilling.

James Orders II is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 1994. He is a member of the Roche Hans Orders Group, where he focuses on corporate retirement plans, including 401(k) and defined-contribution plans, servicing high-net-worth clients as well as managing the team's fixed-income investments. His client base includes successful business owners, physicians, retirees, wealthy families, and endowments in Baltimore, Maryland, and nationwide. James holds a Bachelor's degree in Sociology and Education from Roanoke College. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). He works closely with clients, their accountants, and attorneys to keep tax minimization and estate planning strategies aligned with investments and liabilities. James resides in Arnold, Maryland, with his wife and their three children. His personal interests include boating, fishing, reading, and spending time with his family.

Taylor Janoskie is a financial advisor with Cetera and holds a Series 66 designation. He has nine years of industry experience and has been associated with Cetera and its related entities since 2014. Outside of advisory work, Janoskie is involved in life insurance and fixed insurance sales and owns an LLC focused on expense management. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management strategies and program options supported by a large nationwide network of advisors.

William Stanik is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at MetLife Securities Inc. from 2010 to 2017. Outside of advising, he is an insurance agent licensed for life and health insurance. 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 financial planning, asset management, and educational seminars, with planning engagements structured as annual, collaborative relationships using firm-approved software to analyze client goals.

Christina Boyer is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015, following four years at Wells Fargo Clearing. 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 supported by internal and third-party managers.

Evan Riss is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Merrill Lynch and Financial Gravity Family Office Services. Outside of finance, he is involved in lacrosse officiating and coaching with the Southern Lacrosse Officials Association, National Intercollegiate Lacrosse Officials Association, and Zingos Lacrosse Club. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services that utilize structured discovery and firm-approved tools to model financial outcomes.

James De Moss III is a financial advisor with J.P. Morgan Securities holding Series 63 and Series 66 credentials and three years of industry experience. His prior work includes roles at Wicked Sisters and General Dynamics Information Technology, and he serves in the United States Marine Corps Reserves. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

John Magiros is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and with 19 years of industry experience. Since 2009, he has worked with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association. He is involved in a trust-related business activity outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Andrew Gordon is a financial advisor with Equitable Advisors, holding a Series 66 designation and beginning his advisory career in 2026. His background includes roles in education, nonprofit organizations, and various companies such as DoorDash Inc. and Preply. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and diverse asset-management programs through a network of Investment Adviser Representatives.