Lydia Ruppenthal is a Series 66-licensed financial advisor with four years of industry experience. She currently works at LPL Financial and previously held roles at Raymond James & Associates, NETNA, and Signal Securities, Inc. Outside of her advisory work, Lydia is involved in social media activities with Amazon.com, LLC. 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 provides a range of advisory and brokerage services through a large network of advisors, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Matthew Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. His work history includes roles in accounting, construction, and retail, as well as a four-year period at Towson University. He is also involved with Fusco Financial as a financial advisor in a support capacity. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored financial planning and investment consulting, employing analytical tools such as risk profiling and modeling to support client goals, and it provides specialized advisory programs including municipal finance and SIMPLE IRA employer consulting services.

Carly Hughes is a Financial Consultant currently working at Fidelity Investments. She has been with Fidelity since 2020, initially serving as an Investment Consultant before transitioning to her current role in 2023. Prior to joining Fidelity, Carly worked as a Financial Consultant at T. Rowe Price from 2008 to 2018. Throughout her career, Carly has focused on developing personalized financial strategies tailored to her clients' unique needs, values, and objectives. She collaborates with clients to co-create customized financial plans that address both their short-term priorities and long-term financial goals, aiming to provide confidence and clarity in their financial decisions.

Jacob Krieger is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise, he worked at Northwestern Mutual in various roles from 2023 to 2024. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically employs model-driven investment approaches and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Carl Osterman is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill Lynch Pierce Fenner & Smith since 2002 and affiliated with Bank of America since 2009. Osterman serves as a committee member on the investment committee of Broadmead, Inc., a nonprofit organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Timothy Ford is a financial advisor at RBC Capital Markets with CFP® and Series 66 designations and three years of industry experience. His prior roles include positions at City National Bank, Bank of America, Merrill, and Weyrich Cronin & Sorra. He serves as an investment committee member for Ladew Topiary Gardens, Inc. and is involved with the finance committee at Pathfinders For Autism. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides a range of advisory programs and portfolio management services to individual and institutional clients. The firm customizes investment strategies based on each client’s risk profile and utilizes both in-house and third-party investment managers to administer unified or sleeve-based portfolios.

Margo Bryant is a financial advisor at Fidelity with 30 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity Brokerage Services LLC since 2016, including roles at Fidelity Personal and Workplace Advisors and earlier at T. Rowe Price Advisory Services, Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with distinctive activities such as regulatory registration as a commodity pool operator and advisory roles to multiple fund-of-funds.

Hailey Timeus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, she worked at the Arizona Department of Corrections. 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 plans, corporations, and charitable organizations.

Darryl Stalter is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been with Merrill since 2019 and previously worked at Verizon Wireless from 2014 to 2019. 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 supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Nicole Wilson is a Series 66-licensed financial advisor with six years of industry experience. She is currently with LPL Financial and previously worked at Cambridge Investment Research Advisors, Janney Montgomery Scott, and Advanced Financial Consultants. Outside of her advisory role, she is involved in tax preparation and accounting through Advanced Tax, Accounting & Software Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Russell Priddy III is a financial advisor with Ameriprise in Shrewsbury, PA, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and PNC Investments. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Grenagle Jr. is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. He has worked at Merrill and Bank of America since 2014. 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 plans, corporations, and charitable organizations.

Julia Zimmermann is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and 18 years of industry experience. She has been with Ameriprise since 2015, having previously worked at Cambridge Investment Research Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on income sources and tax-aware withdrawal strategies.

C Emmerson Small is a CFP® professional with 42 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to this, Small worked at Morgan Stanley DW Inc. for 13 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.

Amy Sommers is a financial advisor at Raymond James Financial with five years of industry experience. She holds a Series 66 designation and has previously worked at firms including Marshall Financial Group, Purshe Kaplan Sterling Investments, and Merrill. Prior to her financial career, she was employed at the U.S. Attorney's Office for the District of Maryland and the Maryland Department of Health. Outside of her advisory role, she supports operations at ClearPlan Wealth Management as a registered client service associate. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm emphasizes non-discretionary, tailored planning using analytical tools and supports clients through advisory programs and institutional consulting.

Brandon Cawley is a CFA® charterholder with three years of industry experience. He is currently with Osaic Wealth and previously worked at Lincoln Financial Advisors, Campbell Wealth Management, and New Century Advisors. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services through a multi-advisor platform, emphasizing model-based asset allocation, portfolio optimization, and a range of customizable investment strategies.

Michael Ferris is a financial advisor with LPL Financial in Hunt Valley, MD, holding the ChFC® designation and securities licenses Series 63 and Series 65. He has 10 years of industry experience, including prior roles at Mass Mutual Investors Services and Northwestern Mutual. Outside of his advisory work, Ferris is involved in managing a family-owned farm in Kennedyville, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and asset management solutions, utilizing various model portfolios and customized strategies.

William Summers is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and four years of industry experience. His prior roles include positions at Wells Fargo Clearing and Nexus Systems, LLC. In addition to advising, he works as an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver detailed, goal-based recommendations through ongoing client relationships.

Eric Shadoff is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2012 and City National Bank since 2017. Outside of his advisory role, he is an active owner involved in the maintenance of a rental property. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with customized investment strategies implemented through a combination of in-house and third-party managers.

Brian Davies is a financial advisor at Wells Fargo Advisors with seven years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James & Associates and Founders Financial. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored client recommendations.