Robert Ellrich is a CFP® with 20 years of industry experience. He is currently with OSAIC and previously spent 20 years at Lincoln Financial Advisors Corp. Outside of his advisory role, Ellrich is president of Ellrich Wealth Advisors, LLC. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by various tools and multiple program options.

Jason D. Addario is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His prior work includes roles at Flora Food Group and Sherwin-Williams. Outside of his advisory work, he has been involved as a coach in sports and fitness with USSF since 2013. LPL Enterprise serves a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically employs a model-driven investment approach and offers financial planning, third-party asset management access, and insurance products through its affiliated entities.

Christopher Pellegrino is a CFA® charterholder and holds Series 65 and Series 63 licenses, with five years of industry experience. He currently serves as an advisor with LPL Financial and Summit Investment Advisors, following prior roles at Carefirst, Sloane McCarron Capital Advisors, and Financial Telesis. Outside of his advisory work, he owns two Amazon sales businesses based in Arnold, Maryland. 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 solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with advanced research tools and operational resources.

Reginald Lloyd is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and has 43 years of industry experience. He has been with Primerica Advisors since 1982 and Primerica Financial Services since 1991. Outside of advisory work, he is involved in the sale of loan products, home security and automation product referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with model-delivery strategies managed by unaffiliated asset managers and offers several discretionary separately managed account options.

Edward Campbell III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and encompassing 20 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Legacy Planning Partners, and Securian Financial Services Inc., among others. He is also involved with East Coast Advisory as a registered investment representative. Cambridge Investment Research Advisors serves a diverse client base including individual investors, pension funds, and charitable organizations. The firm offers financial planning, investment management, retirement plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multibillion-dollar asset base with access to multiple platforms and custodians.

Blair Hill serves as the Resident Director and Wealth Management Advisor at Merrill. He joined Merrill in 2000 and advises affluent families and individuals, including professionals, business executives, and entrepreneurs, on a wide range of wealth management needs. His expertise includes retirement income planning, gifting and estate planning services, concentrated stock strategies, private business succession and transition planning, and personal investment strategy. As a qualified Portfolio Manager, Blair manages personalized and defined strategies which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm's Investment Advisory Program. Blair holds a Bachelor's Degree from the University of Maryland at College Park. He has earned professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside his professional work, Blair is actively involved in his community, participating in organizations such as the Clarksville Rotary Club, Howard County Fair Association, Maryland 4-H Foundation, and the Ulman Cancer Fund for Young Adults. He is married to his wife Megan for over 25 years, with whom he has two children. The family lives on a working farm where they raise beef cattle alongside crops including wheat, soybeans, corn, and hay. When not assisting clients, Blair spends time outdoors on the farm, watching his children play lacrosse, and pursuing personal interests such as adventure sports, biking, camping, gardening, hiking, running, skiing, and surfing.

Nedia Vegagrosso is a financial advisor at Wells Fargo Clearing in Columbia, MD. She holds Series 63 and Series 65 licenses and has been in the industry since 2023, with prior experience outside of finance. 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 roughly $671 billion in assets across more than 14,000 financial advisors and offers a range of brokerage and advisory solutions.

Neela White is a financial advisor at Ameriprise in Ellicott City, MD, holding a Series 66 designation with 15 years of industry experience. She previously worked at Merrill from 2007 to 2021 before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with specific asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

David Johnson is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, bringing 25 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2012. Johnson serves as a committee member for the Maryland Association of CPAs, contributing to financial planning education for CPAs. He also assists Salisbury University Women's Lacrosse with managing team funds. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm integrates investment management with Bank of America affiliates and emphasizes manager selection and tax-efficient strategies.

Emily Crawford is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has a tenure at Wells Fargo Bank NA dating back to 2004. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Alexander Thomas is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has been with Equitable Advisors since 2015, including prior work at Axa Advisors LLC. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, and charitable organizations by offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm utilizes third-party asset managers and sponsored advisory programs, covering mutual funds, ETFs, separately managed accounts, and select alternative investments, while providing ERISA fiduciary services for qualified plans.

David White is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and having 11 years of industry experience. Prior to joining Equitable Advisors in 2021, he worked at New York Life Insurance Company and NYLife Securities LLC from 2015 to 2021. Outside of his advisory role, he is involved in property and casualty insurance sales. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individual, institutional, and nonprofit clients. The firm utilizes a range of advisory models and third-party asset managers, offering investment solutions across mutual funds, ETFs, separately managed accounts, and select alternative investments.

Jesus Rodriguez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at First Command Insurance Services and the National Security Agency. Outside of finance, he owns and operates Innovative Sprocket LLC, a business selling vehicle accessory products. 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 for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charities.

Norman Townsend III is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2020. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory role, he is an executive performance coach at the Team Performance Institute, focusing on leadership and team development. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that emphasize tailored, non-discretionary advice supported by in-depth analysis and a broad range of portfolio management styles.

Russell Hewitt Jr. is a financial advisor with MassMutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and 11 years of industry experience. He has been with MassMutual Investors Services since 2015 and is also involved with MassMutual Life Insurance Company. Hewitt has ownership and sales roles at Onorato Financial Group LLC, which focuses on life, health, disability insurance, fixed annuities, and long-term care. 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, structuring client engagements as collaborative annual relationships using firm-approved analytical tools.

Noah Silva is a financial advisor with Ameriprise, holding a Series 66 designation and beginning his advisory career in 2024. Before joining Ameriprise, he worked at River Church Baltimore and held positions at Johns Hopkins University and local schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice centered on dependable income and tax-aware withdrawal strategies.

Joshua Mikolowsky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. His prior experience includes roles at Bank of America and Merrill Lynch. He is based in Hunt Valley, MD. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning and consulting with a non-discretionary approach supported by various portfolio management styles and affiliated research.

Khloe Adams is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at T. Rowe Price for three years and has held roles outside finance, including positions at Under Armour, Stevenson University, and Tiki Lee's Dock Bar. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and customized financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services that include coordinated planning conversations and scenario modeling.

Erik Barrueto is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Debra Press is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Her previous roles include positions at Bank of America, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of her advisory work, she owns an eBay retail business specializing in household items, shoes, and collectibles. 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 for individuals, high-net-worth clients, and institutional investors.