David Kelly is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2012, progressing from Investment Representative to Financial Consultant before his current role. Prior to joining Fidelity, David worked at T. Rowe Price from 2005 to 2012 in various roles including Investment Specialist, Investment Counselor, and Service Specialist. David's professional experience spans over a decade in the investment and financial consulting industry. He focuses on understanding the unique needs of his clients and their families through active listening and tailored financial planning. His approach aims to provide clients with peace of mind and to serve as a trusted advisor to their families.

Michael Morey is a Series 66-credentialed financial advisor with 12 years of industry experience. He has been associated with Merrill since 2014 and concurrently works with Bank of America, N.A. since 2015. Merrill provides managed account services through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America’s broader corporate platform.

Matthew Boltz is a financial advisor with Ameriprise, holding a Series 66 designation and with 24 years of industry experience. He has been with Ameriprise since 2005. Boltz also manages MM Boltz LLC, a business entity related to his financial planning practice. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, offering tailored recommendation reports that incorporate research, modeling, and tax-efficiency analysis.

Christopher Olechno is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 designation and has worked previously at Charlemagne Institute and Proven Media Solutions. Olechno also served in the United States Army Reserve for six years. Cetera Investment Advisers LLC is a nationwide registered advisor serving a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options and oversees over $256 billion in assets under management.

Seth Jones is a financial advisor at RBC Capital Markets in Baltimore, MD, holding a Series 66 designation with two years of industry experience. His prior work includes multiple roles at St. Mary’s College of Maryland and involvement with the St. Mary’s County NAACP. RBC Wealth Management serves individual investors, institutions, and charitable organizations, offering a variety of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Jaclyn Cervone is a financial advisor at Morgan Stanley in Hunt Valley, MD, with six years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2021. Prior to this, she held positions at Rubber City Concessions and Valmark Financial Group. Morgan Stanley Wealth Management offers advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with various investment and trading activities.

Donald Stone is a financial advisor at UBS Financial Services with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2009. Outside of his advisory role, he is a partner in a private beach house venture. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based allocations to tailor advice to clients.

Derek Fish is a financial advisor at Ameriprise in Hanover, PA, holding a Series 66 designation with 22 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Ameriprise offers a retirement-income planning service focused on individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide personalized, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Benjamin Staines is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been serving clients since 2008. He holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards, Inc., and maintains Series 7 and Series 66 FINRA registrations. His expertise includes building and managing customized wealth management strategies, with a focus on client portfolios, retirement income, tax minimization, and family wealth management. Benjamin is a graduate of the University of North Carolina at Chapel Hill. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He and his team in Hunt Valley, Maryland, assist successful individuals, executives, businesses, and families in pursuing their financial goals. Born and raised in the Annapolis area, Benjamin currently resides in Towson, Maryland with his wife and three children. He is involved in the community through youth league sports. His personal interests include boating, fishing, football, golfing, hunting, spending time with family, and tennis.

Jonathan Burrell is a Series 66-credentialed financial advisor at Merrill with six years of industry experience. He has worked at Bank of America and Merrill since 2019 and has prior experience in realty, fitness, and physical therapy sectors. Outside of his advisory role, Burrell assists part-time with childcare for a young boy with special needs. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors.

Darren Bush is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2002. 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 various third-party asset managers. The firm operates a hybrid referral and implementation model, utilizing multiple advisory programs and credentialed fiduciary services.

Michael O'Connell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in personal wealth management and financial strategies for business owners and high-net-worth families, as well as advisory and co-fiduciary management for qualified retirement plans. He works closely with clients to determine their needs and crafts customized financial strategies to help them pursue their goals. Since joining Merrill in 2003, Michael has worked with clients across more than 20 states, including business owners, physicians, and attorneys. His expertise includes advanced financial planning for cash flow, corporate 401(k) plans, asset and liability management, retirement strategies, risk management, estate planning services, and alternative investments. He holds several professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is a graduate of Loyola Blakefield and Villanova University. He is married to his wife Lauren, and they have four children. Outside of his professional responsibilities, he enjoys baseball, basketball, football, golfing, tennis, coaching youth sports, and spending time with his family.

William Cummins is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He has worked with MetLife Securities Inc. and Metropolitan Insurance Co since 2000 and has been with Mass Mutual Investors Services since 2017. Outside of advising, he is involved with Joppa Energy Solutions LLC, a solar micro-grid company, where he studies solar benefits and visits the plant annually. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual planning engagements using firm-approved software and delivers written recommendations focused on investment categories and strategies.

Justin Kuczynski is a financial advisor at Ameriprise with 20 years of industry experience and holds the Series 66 designation. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory work, he serves on the Board of Directors and as Treasurer for Housing Our Homeless Vets, a nonprofit organization. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Matthews is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2010, he has worked closely with clients to understand their financial circumstances, concerns, and goals for themselves, their families, and their businesses. He assists in developing and implementing tailored wealth management strategies designed to address a variety of financial scenarios. James holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor® designation. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) designations. He earned a Bachelor's degree from Johns Hopkins University. Outside of work, James has interests in football, golf, skiing, and spending time with his family.

Madison Smith is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, Madison held roles at OSAIC, MassMutual Life Insurance Co, and Fulton Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and advanced planning tools.

Jamie Waldren is a financial advisor with Raymond James Financial Services Advisors, Inc. in Columbia, MD, holding the CFP® designation and Series 63 and 65 licenses. He has 33 years of industry experience, including prior roles at Wells Fargo Clearing and as an owner and author with JN Private Wealth Management. Waldren authored a book titled *Exit on Your Own Terms*. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, providing financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through detailed client assessments and offers multiple implementation options, including brokerage and advisory accounts, with a significant portion of its business conducted on a non-discretionary basis.

Brian Sokalski is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and nine years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016 and Bank of America, N.A. since 2019. 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, and charitable organizations. The firm’s integration with Bank of America’s platform allows access to a broad set of products and services.

Robert Brown Jr. is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers customized advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Steven Goldberg is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations. Goldberg previously worked at Lincoln Financial Advisors and SunTrust Advisory Services. Outside of advising, he serves as a notary public. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios with a wide range of investment options.