Andriel Matthews is a financial advisor with Primerica Advisors in Ellicott City, MD, holding Series 63 and Series 65 credentials and 27 years of industry experience. Matthews has been with Primerica Advisors since 1997 and Primerica Financial Services since 1995. Outside of advisory work, Matthews is involved with Matthews Monarchies & Associates, Inc., an investment-related entity formed for Primerica business purposes. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program using model-delivery strategies created by unaffiliated asset managers and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Stefen Blount is a CFP®-designated financial advisor with seven years of industry experience. He is currently with Wells Fargo Clearing and has held prior roles at Bank of America, Merrill, and Facet Wealth. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related products and bank deposit sweep options.

Heather Lakner is a financial advisor at RBC Capital Markets with six years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Palate Pleasers. Outside of her advisory role, she has been involved with Centerpiece Boutique and Design. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles through a combination of in-house and third-party investment managers.

Valerie Campbell is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. She has worked at various Wells Fargo entities since 2009. In addition to her advisory role, she owns and operates Valerie A. Campbell, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, utilizing firm research and planning tools to develop tailored recommendations delivered through meetings and written reports.

Isandra Salinas is a financial advisor at Ameriprise with 23 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Merrill, Charles Schwab, and Morgan Stanley Smith Barney. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Natalia Cuellar is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2022, also working at Wells Fargo Bank since 2014. Outside of her advisory role, she works as a delivery driver for DoorDash on a part-time basis. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Annette Schiavone is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and with 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she serves as a fiduciary trustee for an immediate family trust account. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers a broad range of investment and planning solutions.

James Horris is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at Lincoln Investment, Capital Analysts, Equitable Advisors, and Axa Advisors. Outside of finance, he owns businesses related to hair care and government affairs in Baltimore, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to various advisory and brokerage services, including financial planning, portfolio management, and institutional platforms.

Kristin Mccartin is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Cory Paton is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping clients meet their financial goals by implementing personalized, well-rounded strategies tailored to their unique situations. Cory advises on areas including corporate executive services, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, and tax minimization. Cory started his professional career at PricewaterhouseCoopers (PwC) within the Consumer Industrial Products & Services group, where he provided tax and consulting services to large public companies. He earned his Certified Public Accountant (CPA) designation in 2018 and held a manager role at PwC. Cory holds a Bachelor of Science degree in Accounting and Business Administration from Washington & Lee University and a Masters in Accounting with a concentration in Tax Consulting from the University of Virginia. He also holds the Chartered Retirement Planning Counselor™ designation and the CERTIFIED FINANCIAL PLANNER® certification, as well as Series 7 FINRA and Series 66 NASAA registrations. Residing in Annapolis, Maryland, Cory is active in the Annapolis/Anne Arundel Financial Education Coalition, which works to increase financial education among local residents. Outside of his professional commitments, he enjoys golfing, playing basketball, boating, and listening to podcasts. Cory does not provide legal or tax advice in his role at Merrill Lynch.

Behzad Baharloo is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His work history includes roles at Merrill, Regions Bank, Cetera, and Caci, as well as managing a family business, Orelity Family Fund, for nine years. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions across a broad range of financial products.

Scott Mcroy is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Merrill for 33 years before joining Ameriprise in 2009. In addition to his advisory work, Mcroy serves as Vice Chair of the Anne Arundel Medical Center Foundation Board and chairs the foundation’s Finance Committee. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with automated and personalized advice, focusing on assets managed within Ameriprise accounts.

Seth Bergen is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2020, progressing from Investment Consultant to Financial Consultant before his current role. Prior to Fidelity, Seth gained experience as an Investment Advisor at Glass Jacobson, a Wealth Advisor at Sawyer Wealth Management, and a Financial Advisor at AIG Financial Network. Throughout his career, Seth has focused on providing client-first financial planning, working closely with clients and their families to build confident financial futures. His professional journey reflects a consistent commitment to pursuing clients' financial success through strong and lasting relationships. Outside of his professional work, Seth has personal interests that include fitness, golf, playing instruments, motorcycles, snowboarding, and traveling.

Brian Gibbons is a financial advisor with Cetera in Annapolis, MD, holding Series 63, 65, and 66 credentials and 29 years of industry experience. His prior work includes roles at Mass Mutual Investors Services, Mass Mutual, and Metlife Securities Inc. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Bill Polizos is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments LLC, Capital One Advisors, LLC, Capital One Investing, LLC, and Morgan Stanley. Outside of his advisory role, he maintains involvement with Marniso Wealth Advisors Inc., a business entity used for tax and investment purposes. 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 services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Madison Decker is a financial advisor at Raymond James & Associates with the Series 66 credential and four years of industry experience. Prior to joining Raymond James, Decker held roles with the Miami Dolphins and the Miami Open and Hard Rock Stadium. 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, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Holly Hobbs is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 19 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for 13 years before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through various programs including corporate financial planning agreements.

Elizabeth Mciver is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

Terrance Dandridge is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2016 and previously spent three years at T. Rowe Price. Stifel serves a diverse client base, including individuals, institutional clients, and nonprofit organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Mark Altemus is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 33 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.