Luke Chenowith is a CFP®-designated financial advisor with 16 years of industry experience. He is currently with Charles Schwab, where he has worked since 2019, following a five-year tenure at T. Rowe Price. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a large client base with multi-asset model portfolios and a mix of non-discretionary and discretionary investment options supported by centralized operations and a formal alternative-investment process.

Michael Geppi Jr. is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. His prior work includes roles at KPMG and Washington Gas Light, as well as retail and service positions. Outside of advisory work, he is involved in non-variable insurance sales through an insurance agency in Timonium, MD. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers access to model portfolios, third-party asset management, and a range of financial products, combining advisory programs with insurance sales and lending solutions.

Mary Railey is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following tenure at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market analysis.

Terri Jones is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. She has worked at Merrill since 2016 and also serves as a board member of the Maryland SPCA, participating in its development committee. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has worked at LPL Financial since 2018 and previously spent nine years at INVEST Financial Corp. He is also the owner of Livingston Tax Solutions, which provides tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Synquai Johnson is a financial advisor with Merrill holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Johnson’s work background includes roles at Amazon and the University of Phoenix. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm offers model-based, discretionary, and tax-aware investment strategies integrated within Bank of America’s platform.

David Massey is a financial advisor at Raymond James & Associates with one year of industry experience. He previously worked at T. Rowe Price for five years and was affiliated with the University of Maryland for four years. Outside of finance, he serves as a sports official for adult recreational kickball and soccer games. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm offers wealth advisory planning and institutional consulting services to a diverse client base, including individuals, pension plans, corporations, and government entities.

Amelia Hogle is a financial advisor with Ameriprise in Ellicott City, MD, holding a Series 66 designation and one year of industry experience. Prior to Ameriprise, she worked in various roles including positions at the Maryland General Assembly and the University of Maryland. Outside of her advisory work, she serves on the Board of Directors for Voices for Children and co-owns ArtMelia, a business involved in illustrating children's books and designing university club t-shirts. 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 retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Robert Ellrich is a CFP® professional with 20 years of industry experience. He currently works at Osaic and previously spent 20 years at Lincoln Financial Advisors Corp. Ellrich is also president of Ellrich Wealth Advisors, LLC and conducts insurance activities related to accident, health, disability, long-term care, and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing a variety of investment vehicles and third-party platforms to construct portfolios managed on discretionary or non-discretionary bases.

Jason D Addario is a financial advisor with LPL Enterprise holding the Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at Flora Food Group and Sherwin-Williams and has been involved with USSF as a coach in sports and fitness since 2013. Outside of his advisory role, he remains active in coaching sports and fitness activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, leveraging a combination of proprietary research, model portfolios, and third-party management options.

Frank Duncan is a financial advisor with LPL Financial in Timonium, MD, holding the ChFC® designation along with Series 63 and 65 licenses. He has 28 years of industry experience and has been associated with LPL Financial since 2009. Since 2020, he has also operated Maryland Financial Group, Inc., an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Christopher Pellegrino is a CFA® charterholder and registered investment advisor affiliated with LPL Financial in Hunt Valley, MD, with five years of industry experience. Prior to joining LPL Financial in 2022, he worked at Carefirst from 2016 to 2022. In addition to his advisory role, he is the owner of two Amazon sales businesses based in Arnold, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by research and model portfolios from LPL and third-party subadvisors.

Brian Slattery is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Slattery Wealth Management Group. He focuses on retirement planning and offers expertise in areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. Brian graduated from Stony Brook University with a Bachelor's Degree and a Master's Degree in Accounting in 2020. He worked as a part-time Client Associate at Merrill from 2016 while pursuing his education and entered Merrill's Financial Advisor Training program in 2021 before becoming a Financial Advisor. Born and raised in Smithtown, Brian played college lacrosse at SUNY Oswego and continues to play in adult recreational leagues. His personal interests include golfing, music, skiing, and spending time with his family.

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 over 20 years of industry experience. His career includes roles at firms such as Commonwealth Financial Network, Legacy Planning Partners, and Securian Financial Services. He is also involved with East Coast Advisory, a business activity outside his primary firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm employs a range of investment approaches, including proprietary model strategies and access to unaffiliated managers, with customizable discretionary and non-discretionary portfolio management options.

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.

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 Wealth Management Advisor at Merrill Lynch Wealth Management, where he develops financial strategies and provides advice tailored to individuals, families, and businesses. He focuses on understanding clients' short- and long-term financial objectives to deliver customized solutions. With over 25 years of experience in the finance and accounting fields, David combines a detailed-oriented approach with expertise gained from roles including 13 years at T. Rowe Price and his work at Merrill Lynch. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, portfolio management, tax minimization, and retirement income. David holds an MBA from Johns Hopkins University and a Bachelor's Degree from West Virginia University. He is certified as a CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He participates in professional organizations such as Delta Sigma Pi - Business Fraternity, Harford Business Roundtable for Education, and Harford County Chamber of Commerce. Residing in the Fallston, MD area with his wife and two daughters, David is involved in the local community, including participation with Fallston High School's Cougar Boosters. His personal interests include golfing, hiking, soccer, spending time with family, and traveling.

Emily Crawford is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA, where she has been employed since 2004. 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 advice. The firm’s approach 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.

Alexander Thomas is a financial advisor with Equitable Advisors in Annapolis, MD, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked at Equitable Advisors since 2015 and was previously with Axa Advisors LLC from 2015 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.