Evan Noack is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and three years of industry experience. He has been with ClearView Wealth Advisors/MassMutual and MML Investors Services since 2021. Prior to his advisory career, he worked in various roles in retail and marketing. MassMutual Investors Services, LLC 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 relationships as annual, collaborative engagements.

Eyob Eyob is a financial advisor at Merrill based in Hanover, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Merrill, Eyob spent several years at Bank of America and has additional work experience outside the financial industry. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Paul Chisholm is a financial advisor with Edward Jones in Catonsville, MD, holding Series 63 and Series 66 registrations and bringing 26 years of industry experience. Prior to joining Edward Jones in 2019, he worked at firms including AXA Advisors LLC, Merrill Lynch Pierce Fenner & Smith Inc, Bank of America NA, Wells Fargo Clearing Services LLC, and BB&T Investments. Outside of his advisory role, he is involved with Elev8 youth sports as a coach and commissioner and is a member of the Greater Catonsville Chamber of Commerce. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a nationwide network of more than 23,700 advisors. The firm offers a range of advisory programs and investment options, operates under a fiduciary standard, and maintains affiliated capabilities including a trust company and proprietary mutual funds.

Andres Lopez is a financial advisor at Equitable Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including RPM Groups and Kane & Krowe. Prior to his advisory career, he spent five years at the University of Delaware. 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 various third-party programs. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.

John Wasilewski is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with UBS since 2008. Outside of his advisory role, he serves as an officer in a clean fracking water company called C2GENERGY and oversees private equity investments through a partnership, JKWAZ LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory offerings, including portfolio management and financial planning. The firm integrates proprietary capital market research and institutional trading capabilities with wealth management services.

Charles Mcneilly is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Cetera since 2021 and also leads Oak Court Wealth Management, a firm he has been associated with since 2014. Mcneilly serves as a board member for Services from the Heart, a nonprofit organization focused on food distribution and fundraising. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform with diverse program structures and custodial relationships.

Kristen Vargay is a financial advisor at Merrill with 13 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2012. The firm 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 for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Alyssa Gorny is an advisor at J.P. Morgan Securities with a Series 66 designation and less than one year of industry experience. Prior to joining the firm, she held roles at JPMorgan Chase Bank, N.A., Constellation Energy, and was affiliated with the University of Rochester and its Goergen Athletic Center. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support client decision-making.

Erik Pedley is a financial advisor with Cetera, holding a Series 66 credential and over 11 years of industry experience. He has worked at several firms including First Allied Advisory Services and currently operates an independent financial services business, Portfolio Advisory Associates. He also serves as a board member of the University of Maryland Alumni Association. Cetera Investment Advisers LLC is an SEC-registered adviser offering a wide range of portfolio management and financial planning services through a large network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm employs a multi-manager platform with access to various investment strategies and program structures, overseeing approximately $256 billion in assets.

Steve Janvier is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017 and MetLife Securities from 2006 to 2017. His other business activity includes working as an independent insurance agent specializing in life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to provide detailed, collaborative planning without discretionary investment authority.

Timothy Barger is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at various J.P. Morgan affiliates since 2018 and previously held roles at Academy Financial Advisors and Lincoln Financial Advisors. Outside of his advisory work, Barger serves as a board member on the NextGen committee of the Association for Corporate Growth, Maryland Chapter, a nonprofit focused on fostering corporate growth among young professionals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Deborah O'Neill is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2009, currently working within the Morgan Stanley Services Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Cecil Denton is the sole advisor at Decisions, LLC in Baltimore, MD, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Decisions since its founding in 1997. In addition to his advisory work, he is involved in life insurance activities with brokerage companies. Decisions, LLC provides financial planning and consulting services while referring clients to third-party asset managers and broker-dealers for portfolio management. The firm serves individuals, high-net-worth clients, business entities, and nonprofit organizations, and does not take custody of client assets.

Renato Sciacqua is a financial advisor with Tilton-Steele International in Baltimore, MD, holding a Series 65 designation and four years of industry experience. He has been with Tilton-Steele International since 2012. Tilton-Steele International serves high-net-worth individuals, families, trusts, endowments, foundations, charitable organizations, and pension plans by arranging introductions between investors and independent investment advisors. The firm focuses on referral arrangements rather than discretionary portfolio management or asset custody, emphasizing advisor selection criteria and portfolio monitoring.

Troy Spratley is the principal of Troy R. Spratley Investment Advisory in Baltimore, MD, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has operated his independent advisory firm since 2002. Spratley also has longstanding involvement with Spratley & Johnson, Inc. since 1995. Troy R. Spratley Investment Advisory is a state-registered, solo advisory firm that provides portfolio management services primarily for individual clients. The firm manages approximately $1.56 million in client assets and employs a compensation model that includes both asset-based advisory fees and commissions for certain transactions.

Richard Lenet is a CFP® professional with 26 years of experience operating Lenet Financial Resources, LLC, an independent advisory firm based in N. Potomac, MD. His practice is distinguished by its integration with accounting services through an affiliation with an accounting firm. Lenet Financial Resources, LLC serves a small client roster, delivering advisory services coordinated with accounting activities rather than traditional ongoing portfolio management. The firm’s approach emphasizes fee arrangements and advisory processes that incorporate tax and accounting considerations, targeting a client base outside the typical mass-affluent retail market.

Joseph La Rocque is a financial advisor with LaRocque Financial Group, LLC, holding a Series 65 designation and over four years of industry experience. He has held roles with multiple fund families including Franklin Templeton, Columbia Threadneedle, and Lincoln Financial Group. La Rocque serves as an independent director and trustee for mutual fund families in the UK, Luxembourg, Ireland, and the US, including chairing boards and audit committees. LaRocque Financial Group provides advisory services to individual and high-net-worth clients by referring them to third-party investment advisers rather than managing assets directly. The firm focuses on vetting and recommending licensed outside advisers and operates through fee-sharing arrangements without managing client assets or exercising investment discretion.

Scott Grebenstein is a financial advisor with Foresight Financial Services, LLC, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. Prior to founding Foresight Financial Services in 2021, he spent 10 years at Mclaughlin Ryder Investments. Outside of his financial advisory work, he owns and operates an online sports memorabilia business. Foresight Financial Services is an independent firm serving clients from Laurel, MD.

Nancy Bryant is a CFP® and holds a Series 63 license, with six years of experience in financial advising. She has been with Bryant Financial Advisory, Inc., an independent firm based in Baltimore, MD, since 2012. Bryant Financial Advisory, Inc. operates as a sole-advisor firm focusing on personalized financial advisory services.

Charles Nemphos is a financial advisor with NorthStar Wealth Management, Inc. in Elkridge, MD, holding a Series 63 designation and over 38 years of industry experience. He has worked at NorthStar Wealth Management since 2005 and Lasalle St. Securities, L.L.C. since 1998. Outside of financial services, Nemphos has been involved with Yale Sportwear Inc. since 1988. NorthStar Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients, focusing on individualized portfolio management and periodic account reviews. The firm maintains a small team, allowing clients to interact directly with senior personnel and receive tailored investment oversight.