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.

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 with Morgan Stanley in Rockville, MD, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques to support its advisory services.

Nolan Karfonta is a financial advisor at Raymond James Financial with four years of industry experience. He holds the Series 66 designation and has worked at multiple firms including Bank of America, Merrill, and Raymond James Financial Services. Outside of his advisory roles, he has held positions at Elon University and in the restaurant industry. 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, corporations, and institutional clients. The firm uses a tailored, non-discretionary approach supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Wade Zancan is a financial advisor with Cetera, holding Series 65 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Cetera since 2013 and is also involved with Resonant Financial Management. Outside of his advisory roles, Zancan manages his own financial services businesses and acts as a sales associate and client relationship manager for Hunter Capital, in addition to working as an insurance agent specializing in life, health, annuities, and long-term care products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers portfolio management, financial planning, and retirement services through a multi-manager platform that leverages both affiliated and third-party managers across discretionary and non-discretionary program structures.

Aaron Lekarz is a financial advisor with Equitable Advisors based in Columbia, MD. He holds Series 63 and Series 65 licenses and has 12 years of industry experience. He has worked at Equitable Advisors since 2014 and previously was with Axa Advisors LLC from 2014 to 2020. Equitable Advisors serves individual clients—including both non‑high-net-worth and high-net-worth—along with pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives, relying on third-party program sponsors and endorsed advisory platforms.

Gavin Derro is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked for PW Media for twelve years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Abdirahim Isaq is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing Services, LLC since 2018 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, including a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Trinity Grall is a Series 66-credentialed financial advisor with 26 years of industry experience, currently affiliated with LPL Financial in Rockville, MD. Prior to joining LPL in 2025, she worked at firms including GEM Financial Services, Grove Point Investments, Commonwealth Financial Network, and H. Beck, Inc. Outside of her advisory roles, she is employed at Walden Country Club and serves with the Anne Arundel County Board of Elections. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management options supported by technology and a large network of advisors.

Daniel Sipe is a financial advisor with Raymond James Financial in Rockville, MD, holding Series 63 and Series 66 licenses and having 35 years of industry experience. He has been with Raymond James since 2004 and previously worked at several firms focused on federal employee benefits. Sipe is a partner and managing officer in multiple non-investment-related businesses including GIVE LLC and Serving Those Who Serve, reflecting his involvement in entrepreneurial and support ventures outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using detailed risk profiling and modeling and supports its clients with a broad range of advisory programs and institutional services.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Victor Fox is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2017, and a prior position at the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through Corporate Financial Planning agreements.

Adrian Peralta is a Series 66-licensed financial advisor with seven years of industry experience. He has worked at Equitable Advisors since 2019, following a one-year tenure at Axa Advisors, Llc, and prior roles in protective services and union work. He is based in Columbia, MD. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models.

Kaveh Montazer is a financial advisor with OSAIC holding a Series 66 designation and two years of industry experience. He previously worked at StoneBridge Advisors, Inc. and has experience with Coppermine Fieldhouse LLC and Illiano's J&P. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through an extensive network of affiliated advisers and multiple advisory platforms. The firm offers a broad range of investment and financial planning services, utilizing asset-allocation tools, risk assessments, and automated portfolio rebalancing.

Rutin Crisp is a Series 66 licensed financial advisor at Morgan Stanley in Rockville, MD, with six years of industry experience. Prior to joining Morgan Stanley in 2021, Crisp held roles at Wells Fargo Clearing and Wells Fargo Bank, NA. Before entering the financial industry, Crisp worked as a homemaker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its advisory services.

Ishioma Ikukaiwe Ekanem is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo in 2022, Ekanem worked at PNC Bank and United Bank for Africa PLC. 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 grounded in modern portfolio theory. The firm includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.

Eliza Socito Balubar is a financial advisor at Primerica Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Primerica since 2014. Prior to her current role, she was employed at the University of Maryland Medical Center from 2006 to 2018. In addition to her advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of discretionary separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap fee structure rather than fixed fees.

Aaron Polun is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and previously worked at Grove Point Advisors LLC and Grove Point Investments LLC, as well as Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of investment adviser representatives.