Ryan Mazzarino is a financial advisor at RBC Capital Markets with 23 years of industry experience. He holds the Series 66 designation and has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies based on each client’s Advisory Risk Profile, utilizing a combination of in-house and third-party managers.

Sean Eldred is a CFP® and CFA® with 21 years of industry experience. He has been with Ameriprise Financial Services since 2016 and is currently based in Columbia, MD. 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 written retirement income recommendations and ongoing tax-aware withdrawal planning for clients approaching or in retirement.

Adriana Colback is a financial advisor with Edward Jones in Potomac, MD. She holds the ChFC® and Series 66 designations and has 14 years of industry experience, having been with Edward Jones since 2011. She serves as a board member and secretary for a hospice organization in Ottumwa, IA. 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, supported by a large network of financial advisors and branch offices nationwide.

Cameron Heard is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2024, Cameron worked at T. Rowe Price and has a background including roles at Salisbury University. Fidelity’s Strategic Advisers LLC, where Cameron is based, provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction, and offers discretionary and non-discretionary advisory services along with model portfolio delivery.

Cornelia Mallari is a financial advisor at Charles Schwab with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab and Charles Schwab Bank since 2014. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset investment approach supported by dedicated research and alternative investment offerings.

John Perrot is a financial advisor at Cambridge Investment Research Advisors with credentials including Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at JPMorgan Chase Bank, Alex Brown (a division of Raymond James), and Alight Financial Solutions. Outside of his advisory duties, he is involved with Athlon Advisors in a service capacity related to insurance, benefits, and human resources. Cambridge Investment Research Advisors serves a wide range of clients including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers services such as financial planning, investment management, and retirement plan advisory through a network of independent professionals, employing both proprietary and third-party investment strategies across various platform arrangements.

Peter Rosenfelder is a financial advisor at Edelman Financial Engines with nine years of industry experience. He holds the Series 63 and Series 65 licenses and has worked at Edelman Financial Engines and its affiliated entities since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios and both discretionary and non-discretionary management options.

Kaktrale Austin is a Senior Vice President and Senior Financial Advisor with Merrill Lynch Wealth Management. He provides tailored advice and guidance to individuals, families, and nonprofit organizations, helping them understand and streamline multiple aspects of their financial lives. Kaktrale offers a highly personalized approach, focusing on understanding the unique characteristics of each client to develop individualized financial strategies. Kaktrale has extensive experience in retirement strategies, investment management, cash-flow analysis, business success strategies, and wealth transfer strategies. He assists clients with income preservation, tax-sensitive investment management, defined benefit analysis, life insurance, business succession strategies, and long-term care insurance. He also works closely with religious organizations and nonprofit entities to develop thoughtful investment programs that support their stability and mission fulfillment. He holds a Bachelor's Degree from the University of North Carolina at Charlotte and maintains several professional designations, including Accredited Asset Management Specialist (AAMS), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Kaktrale is committed to community involvement and volunteers with organizations such as the American Red Cross, Make A Wish Foundation, Special Olympics, Toys For Tots, United Way, and the V Foundation For Cancer Research.

Caryl Lyn Mazullo is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 12 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2022. Mazullo is involved with the University of Akron Barker Center for Economic Education. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and models.

Ryan Williams is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and has worked at Raymond James Financial and Raymond James Financial Services since 2021. Outside of his advisory role, he works as a branch associate at Wagenerlee LLC, where he assists clients and executes requests. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations.

Michael Beaumont is a CFP® with 16 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He is also an executor for his grandmother’s estate, a role he performs outside of his advisory work. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Lawrence Singer is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 66 and Series 63 licenses and bringing 20 years of industry experience. His prior work includes positions at Ameriprise Financial Services and Howard County Fire and Rescue. Outside of advising, he manages Gathering Roots Farm, where he oversees all aspects of farming operations. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that focus on dependable income and tax-aware withdrawal strategies. The firm uses a collaborative approach supported by proprietary research and tools to deliver tailored retirement recommendations.

John Hill is a financial advisor with Mass Mutual Investors Services in Rockville, MD, holding Series 63 and Series 65 licenses and 15 years of industry experience. His career includes roles at MML Investors Services, Mass Mutual Life Insurance Company, Eagle Strategies, NyLife Securities, and New York Life Insurance Company. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to develop collaborative, goal-oriented planning relationships.

John Axley is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He joined Merrill in 1990, initially working in the Rockville, Maryland office, now located in North Bethesda. John holds the Certified Financial Planner® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™. John’s client focus areas include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He earned a bachelor's degree from the University of Maryland with a double major in Finance and Economics. Outside of his professional role, John is involved in various civic and philanthropic activities. He has served as Chair of the University of Maryland Colonnade Society and is a member of Leadership Montgomery. He resides in Montgomery County with his wife and three children and participates actively in his church. His personal interests include genealogy, pickleball, reading, running marathons, and traveling.

Walter Hrab is a financial advisor with Ameriprise in Clarksville, MD, holding a Series 66 designation and 22 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise offers a retirement-income planning service for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Garrett Dearden is a CFP® and holds a Series 66 license, with three years of industry experience. He is currently affiliated with Cetera and also operates Dearden Financial Services LLC, which provides financial services as well as tax and accounting services. Dearden serves on the boards of the Lieutenant Richard W. Collins III Foundation and the Johns Hopkins Howard County Medical Center Foundation, participating in nonprofit activities related to education and community support. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and unaffiliated money managers.

Greyson Boozer is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at AXA Advisors and Raymond James. Outside of his advisory work, he operates a business under the name Firstrust Financial Resources. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a delivery model that emphasizes LPL-sponsored and other endorsed platforms.

Maureen Shuler is a financial advisor with Morgan Stanley in Potomac, MD, holding a Series 66 designation and with 20 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she serves as a board member of the Kenwood Citizens Association, a community organization in Bethesda, Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning guided by a structured discovery process and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a broad suite of investment services beyond financial planning.

Michael Schenk is a financial advisor at Morgan Stanley with 36 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients by offering a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market simulations as part of its financial planning process.

Nolan Karfonta is a financial advisor with Raymond James Financial, holding a Series 66 designation and three years of industry experience. His prior work includes positions at Bank of America, Merrill, and roles at Elon University and various hospitality businesses. Outside of advising, he is involved with support companies Lee Financial Group, Inc. and Wagener-Lee LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, combining firm research and asset allocation analysis to develop tailored recommendations.