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 at Fidelity with a Series 66 credential and two years of industry experience. He has worked at Fidelity Investments since 2024 and has prior experience with T. Rowe Price and Salisbury University. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

David Greeley is a Series 66-licensed financial advisor with Edward Jones in Hanover, MD, bringing 12 years of industry experience. He has worked at Edward Jones since 2016 and previously from 2007 to 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large nationwide network of advisors and branch offices.

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 Series 63 and Series 65 credentials and four years of industry experience. His prior work includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, and Raymond James. He is also involved as a service advisor in insurance and human resources through Athlon Advisors. Cambridge Investment Research Advisors serves a diverse client base of individual and institutional investors, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services. The firm supports both discretionary and non-discretionary management and offers proprietary model strategies alongside access to third-party advisers.

Jacob Pliner is a financial advisor at Wells Fargo Clearing with three years of industry experience. He holds a Series 66 designation and previously worked at UBS Financial Services for four years. Outside of finance, his background includes roles in food service and physical therapy. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research-driven, diversification-focused investment approaches with a broad range of brokerage and advisory solutions.

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. In his role, he provides tailored advice and guidance to individuals, families, and nonprofit organizations, helping them understand and manage multiple aspects of their financial lives. Kaktrale employs a personalized approach that involves understanding the unique characteristics and priorities of each client to develop customized financial strategies. He has experience in developing retirement strategies that consider cash-flow needs, investment preferences, and distribution requirements, and he is knowledgeable about various retirement vehicles. Kaktrale assists clients with income preservation, tax-sensitive investment management, defined benefit analysis, life insurance, business succession planning, and long-term care insurance. Additionally, he works with religious organizations and other nonprofits, helping them establish disciplined and transparent investment programs to support their stability and mission. Kaktrale holds a Bachelor's Degree from the University of North Carolina at Charlotte and possesses 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). He participates in community service, volunteering 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. In his personal time, he enjoys chess, golfing, swimming, watching movies, and spending time with his family.

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 CFP® professional with four years of industry experience, currently with Raymond James Financial in Columbia, MD. He has been with Raymond James Financial Services since 2021 and has prior experience in both public sector and energy-related roles. Williams also works as a branch associate at Wagenerlee LLC, where he handles client inquiries and executes requests. Raymond James Financial Services Advisors, Inc. provides 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 offers tailored, non-discretionary planning and consulting using analytical tools to project potential outcomes and supports municipal and public finance through a unique affiliated municipal advisory arrangement.

Kirk Michel is a financial advisor with Thrivent Investment Management in Odenton, MD, holding Series 63 and Series 66 credentials and 20 years of industry experience. His prior roles include positions at WesBanco Securities, Morgan Stanley, E*TRADE, TIAA-CREF, PNC Wealth Management, and Merrill. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, income tax, and estate planning, with the option to combine planning with managed-account services under a consolidated billing program.

Michael Beaumont is a CFP®-designated financial advisor with Wells Fargo Clearing, based in Columbia, MD. He has 17 years of industry experience and has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as an executor for his grandmother’s estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research and analytics with a wide range of brokerage and advisory solutions.

Lawrence Singer is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His career includes multiple tenures at Ameriprise and a four-year period with Howard County Fire and Rescue. Outside of advising, he owns and operates Gathering Roots Farm, managing all aspects of farming. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning through written recommendation reports and ongoing advice, using proprietary research and third-party data to guide asset allocation and withdrawal strategies.

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.

Charles Menk III is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. His prior experience includes roles at Tensley Consulting, Inc., Cambridge Investment Research Advisors, Inc., and The MITRE Corporation. He is also president and CEO of The CGMA Group, 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

John Axley III is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill in 1990 and has worked in the Rockville, now North Bethesda, Maryland office. John holds the designations of Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA). John's areas of expertise include education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, and portfolio management services. He graduated from the University of Maryland with a double major in Finance and Economics. John is involved in various civic and philanthropic activities, including membership in Leadership Montgomery and serving as past Chair of the University of Maryland Colonnade Society. He lives in Montgomery County with his wife and three children and is active 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. He has previously worked at AXA Advisors, Raymond James, and Verdence, and he operates a separate business under the name Firstrust Financial Resources. Equitable Advisors serves a range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and third-party advisory programs.