Stephen Rafter is a financial advisor with LPL Financial based in Linthicum, MD. He holds Series 63 and Series 66 licenses and has 16 years of industry experience. Rafter's work history includes roles at Charles Schwab, Good Life Advisors, and the State Employees Credit Union of Maryland. Outside of his advisory work, he is also employed as a server and bartender with Atlas Restaurant Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing model portfolios and research from both internal and third-party sources.

Robyn Lazaro is a financial advisor with Edward Jones, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. Prior to joining Edward Jones, she worked at Cetera Investment Advisers LLC, Cetera Advisers LLC, Prudential Insurance Company of America, and Merrill Lynch Inc. Outside of finance, she is a partial owner of LaZaro Jewelry Inc., a retail jewelry business. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard with a nationwide network of more than 23,000 financial advisors.

John Austin is a financial advisor at Cetera with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and affiliated firms since 2013. He also serves as a parish council member at St. Louis Catholic Church in Clarksville, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and both affiliated and third-party money managers.

O Emmanuel Adepoju Grace is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and previously worked for Citizens Securities, Inc. for eight years. Outside of his advisory role, he is the author of the book *The Roadmap of the Gospel of Jesus*. 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 a range of brokerage and advisory solutions supported by research and analytics.

David Heinemann is a CFP® professional with 27 years of industry experience, currently advising at Edelman Financial Engines. His career includes roles at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Heinemann serves on the Board of Directors for the Lutheran Church of St. Andrew in Silver Spring, MD. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, offering diversified portfolios and long-term oriented investment management.

Benjamin Wells is a financial advisor at UBS Financial Services in Baltimore, MD, with 17 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2007. Wells serves as an advisor to the Society of Cincinnati of Maryland, a nonprofit focused on educating the public about the American Revolution and Maryland’s role in it. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including discretionary portfolio management and proprietary research.

Timothy Stocker is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009 and City National Bank since 2017. Outside of his advisory role, he serves as an officer and volunteer for the Knights of Columbus, assisting with facility operations and fundraising initiatives. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations with personalized advisory programs that include discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm utilizes a combination of in-house and third-party investment managers and offers various options for portfolio customization and tax management.

Richard Plant Jr. is a financial advisor with Ameriprise in Arnold, Maryland, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Ameriprise and its affiliated entities since 1996. Outside of his advisory role, he owns a beekeeping business called Richard's Raw Honey. Ameriprise is a large institutional firm that offers retirement-income planning services targeted at individuals with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports, primarily for clients holding assets in Ameriprise-managed accounts.

Kenneth Handy is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 credentials and having 20 years of industry experience. He has been with Equitable Advisors since 2011 and previously worked with Axa Advisors LLC. Outside of his advisory role, he is a member and owner of PPW LLC, a limited liability company established for tax purposes unrelated to client business. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Richard Torgerson is a financial advisor with Cambridge Investment Research Advisors in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2015. He is also the owner of SharePower Responsible Investing, a separate business focusing on investment-related activities. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and estates. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory through independent Financial Professionals, employing both proprietary model strategies and access to third-party managers across multiple custody and platform arrangements.

Blair King is a financial advisor at Edward Jones in Kensington, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he spent ten years with the U.S. Agency for International Development. 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.

Stanley Kosack III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 20 years of industry experience and holds a Series 66 credential. His work history includes roles at Merrill Lynch, Bank of America, and NYLIFE Securities, among others. He is also involved with Atlantic Union Financial Consultants, LLC/AUB Wealth Management as a financial advisor. 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, corporations, and institutions. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

William Morgan III is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with Ameriprise and its related entities since 2006. Outside of his advisory role, Morgan serves as Vice President on the Board of Directors for the Vistas at Turf Valley Home Owners Association and participates in the Finance Committee for the Church of the Resurrection; he also owns a consulting business, MNC Management Group, LLC, and is involved in independent insurance brokering. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, offering tailored recommendation reports that integrate research, modeling, and tax-efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through its large institutional platform and utilizes algorithmic automation alongside human oversight to deliver personalized retirement income strategies.

Michael Henault is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and possessing 10 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management, leveraging proprietary research and institutional trading capabilities.

Annalise Haywood is a financial advisor at LPL Financial holding a Series 66 designation. She has been with LPL Financial since 2025 and has prior experience at Mission Group and Cardinal Group Companies. Haywood studied at the University of Maryland from 2021 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a variety of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by LPL Research and third-party subadvisors.

Wendy Quattrochi is a financial advisor with Osaic, holding Series 63, 65, and 66 designations and bringing 33 years of industry experience. She previously spent 23 years with American Portfolios Financial Services before joining Osaic in 2024. In addition to her advisory role, she is a notary public and an appointed insurance agent licensed to provide long-term care insurance advice. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services across multiple platforms. The firm uses proprietary asset-allocation tools and access to third-party managers to construct portfolios that include a broad range of investment options.

Jeffrey Cohen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Cetera since 2005 and also operates a tax preparation practice through Jeff Cohen CPA, LLC. In addition, he serves as an audit manager at the Department of Health and Human Services, specializing in Medicaid audits for the federal government. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored 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 affiliated and unaffiliated third-party managers.

Michael Williams is a financial advisor with Merrill in North Bethesda, MD, holding a Series 66 designation and 14 years of industry experience. He has been with Bank of America, N.A. and Merrill since 2012. Outside of his advisory role, he holds power of attorney for an entity based in Doylestown, Pennsylvania. 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.

Robert Newland is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. Prior to joining Cetera in 2025, he spent over three decades with Avantax Advisory Services and Avantax Investment Services, as well as extensive time at A.L. Williams. He serves as the volunteer treasurer for the Kiwanis Foundation of Prince Georges County, MD. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers and a variety of program structures.

Matthew Dunigan is a financial advisor with Edward Jones in Catonsville, MD, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2011. Outside of his advisory work, he serves as a youth soccer referee with the Harford Sports Officials Association. 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, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of over 23,700 financial advisors and 15,000 branch offices nationwide.