Adam Hewat is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors, AIG, and VALIC Financial Advisors. Hewat is also involved as an insurance agent with Stonebridge Advisors, selling and servicing various insurance products. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios constructed using asset-allocation tools, risk assessments, and managed account solutions.

Patrick Taylor is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2006. In addition to his advisory role, Taylor is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure for its investment solutions.

Ana Geller is a financial advisor at Robert W. Baird & Co. with 26 years of industry experience. She has been with Robert W. Baird since 2009 and holds a Series 66 designation. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a range of investment strategies and management approaches.

Cedric Jones is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2021. Prior to this, he was employed in the automotive industry. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Hicks is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith. He serves on the advisory board for Johns Hopkins Pediatric Oncology, a nonprofit focused on funding research to cure childhood cancers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to client goals and risk tolerances.

John Davis is a Series 66-licensed financial advisor with six years of industry experience. He has worked at Stifel since 2023, following three years at Chapin Davis Investments. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

John Runge is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Worthington Financial Partners, Nationwide Investment Services Corporation, and self-employment. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, and organizations with a range of advisory programs offering portfolio management, financial planning, and custody services. The firm customizes investment strategies based on client risk profiles using a mix of in-house and third-party managers, supported by RBC’s broader capital markets capabilities.

Richard Nudelman is a CFP® with 24 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and 1ST Global Advisors. He is also the owner of Nudelman & Associates CPA’s LLC, providing accounting and tax services, and Columbia Financial Advisors, LLC. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform providing discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Amanda Nickoles is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and previously worked at Capital One Bank for ten years before joining Merrill in 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Karen Burkhart is a financial advisor with Ameriprise, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 30 years of industry experience, including prior roles at Janney Montgomery Scott, Wells Fargo Clearing, and USAA financial planning services. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

William Young is a financial advisor with Ameriprise in Baltimore, MD, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Chalice Capital Partners, Niagara International Capital Limited, and H. Beck, Inc. Outside of his advisory work, he participates in podcasts and maintains a website focused on behavioral psychology, human nature, and the psychology of money, exploring topics such as heuristics, biases, and cognitive processes. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide customized, non-discretionary recommendations through a centralized consulting team.

Allen Myrowitz is a financial advisor at LPL Financial with 37 years of industry experience. He holds the Series 63 and Series 65 credentials. Prior to joining LPL Financial in 2025, he worked at Grove Point Advisors and Grove Point Investments, and he also served as a consultant providing adult education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Devon Gluck is a CFP® with nine years of industry experience and is currently affiliated with OSAIC. Prior to joining OSAIC, he worked at Lincoln Financial Advisors for eight years and at Maller Wealth Advisors for one year. He is also the owner and agent of Maller Wealth Advisors, Inc., where he offers a range of insurance products including accident and health insurance, annuities, and life settlement services. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to develop portfolios that include a wide range of investment options.

Daniel Gounaris is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 65 credentials and having 34 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs and tailors investment strategies to clients’ risk profiles using both in-house and third-party managers.

Ethan Needles is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and DEXSTA Federal Credit Union. Merrill, together 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 and profit-sharing plans, corporations, and charitable organizations.

Kathryn Kelly is a financial advisor with Raymond James & Associates holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Verdence Capital Advisors, Camden Property Trust, and Virginia Tech. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers a range of financial planning and consulting services with a primarily non-discretionary approach, drawing on diverse portfolio management styles and affiliated research.

Daniel Anderson is a Series 66-registered advisor at Merrill with 11 years of industry experience. He has been with Bank of America and Merrill since 2009. Merrill, together 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.

Jason Powell is the Vice President and Branch Leader at Fidelity Investments, where he oversees support for associates and clients in the Towson territory. He has held this leadership role since 2011, focusing on helping clients achieve their financial goals and supporting his team's development. Mr. Powell's career spans over two decades in the financial services industry, with previous roles at Fidelity Investments including Assistant Branch Office Manager. Prior to joining Fidelity, he held multiple positions at T. Rowe Price, such as Branch Manager, Assistant Branch Manager, Investment Counselor, and Investment Services Representative. His experience encompasses branch management and investment counseling. Outside of his professional responsibilities, Jason Powell enjoys biking, camping, skiing, and participating in family activities. He is also involved in volunteering in his community.

Connor Brandeen is an Investment Consultant at Fidelity Investments, where he focuses on helping clients plan for a broad range of financial goals. He emphasizes building strong, personalized relationships to understand each client's unique story and develops tailored financial strategies and plans aligned with their individual circumstances and retirement aspirations. Connor's professional experience includes roles as an Investment Consultant at Fidelity Investments beginning in 2024, Financial Advisor at UBS Financial Services in 2024, and Internal Retirement Consultant at Allianz Life Financial Services from 2021 to 2023.

Marija Wade is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2015 and 2016, respectively. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.