Stefen Blount is a CFP®-designated financial advisor with seven years of industry experience. He is currently with Wells Fargo Clearing and has held prior roles at Bank of America, Merrill, and Facet Wealth. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a broad investment menu that includes insurance-related products and bank deposit sweep options.

Sean Rippen is a Wealth Management Advisor with Merrill Lynch Wealth Management, a role he has held since joining the firm in 2006. He is a qualified Portfolio Manager who provides clients with tailored wealth management plans designed to achieve their long-term financial objectives. Sean builds and manages personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Through Merrill's Investment Advisory Program, he manages client strategies on a discretionary basis. Sean holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Investment Management Analyst® (CIMA®) designation from the Investments & Wealth Institute™. He also holds FINRA Series 7, 66, and 31 securities registrations and a State of Maryland insurance license. Sean earned a Bachelor of Arts degree in Economics from the University of Maryland's Scholars Program in College Park. His client focus areas include college education planning, executive compensation, LGBT wealth planning, liquidity management, personal retirement planning, portfolio management services, small business strategies, tax minimization, and retirement income. Outside of his professional pursuits, Sean enjoys playing piano and guitar, physical fitness, golf, woodworking, and spending time with his family. He resides in Brookeville, Maryland, with his wife Christine and their two sons, Beau and Austin.

Heather Lakner is a financial advisor at RBC Capital Markets with six years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Palate Pleasers. Outside of her advisory role, she has been involved with Centerpiece Boutique and Design. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles through a combination of in-house and third-party investment managers.

Valerie Campbell is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. She has worked at various Wells Fargo entities since 2009. In addition to her advisory role, she owns and operates Valerie A. Campbell, LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, utilizing firm research and planning tools to develop tailored recommendations delivered through meetings and written reports.

Natalia Cuellar is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds Series 63 and Series 65 credentials and has been with Wells Fargo Clearing since 2022, also working at Wells Fargo Bank since 2014. Outside of her advisory role, she works as a delivery driver for DoorDash on a part-time basis. 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, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Willie Tate is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in guiding millionaires and high net worth families through the accumulation, growth, and preservation of their financial assets. His areas of expertise include retirement planning, estate and legacy planning, tax efficiency, college education planning, divorce transition planning, executive compensation, family wealth management strategies, and philanthropic planning among others. Willie holds professional designations including Accredited Asset Management Specialist (AAMS), Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a Bachelor's Degree from Georgetown University and an MBA from the University System of Maryland. Willie is proficient in English and French and engages with several professional organizations such as Alpha Phi Alpha Fraternity Inc., Georgetown University Alumni Association Black Alumni Council, and the Urban Financial Services Coalition. Outside of his professional work, Willie participates in community involvement with organizations including Good Shepherd Housing and Family Services Inc., Leveling The Playing Field, and Northern Virginia Football Officials Association. His personal interests include basketball, chess, football, golfing, singing, spending time with family, and watching movies.

Robert Kirkland II is a financial advisor with Ameriprise in Clinton, MD, holding a Series 66 designation and three years of industry experience. His prior roles include positions at JPMorgan Chase & Co., SunTrust Bank, Wells Fargo, and Supreme Ledning. Outside of his advisory work, he is the owner of The Kirkland Group LLC, a consulting business, and serves on the Board of Directors for the Cam Kirk Foundation. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Annette Schiavone is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and with 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she serves as a fiduciary trustee for an immediate family trust account. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process supported by proprietary tools and offers a broad range of investment and planning solutions.

James Horris is a financial advisor at LPL Financial with six years of industry experience. He has previously worked at Lincoln Investment, Capital Analysts, and Equitable Advisors. Outside of finance, he owns several businesses, including SIMPL Hair Care and Chesapeake Government Affairs. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Kristin Mccartin is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Behzad Baharloo is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Wells Fargo Clearing with two years of industry experience. His prior roles include positions at Merrill, Regions Bank, and Cetera. He was also involved in a family business, Orelity Family Fund, from 2013 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary services. The firm’s advisory process is IPS‑driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Scott Mcroy is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Merrill for 33 years before joining Ameriprise in 2009. In addition to his advisory work, Mcroy serves as Vice Chair of the Anne Arundel Medical Center Foundation Board and chairs the foundation’s Finance Committee. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with automated and personalized advice, focusing on assets managed within Ameriprise accounts.

Seth Bergen is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2020, progressing from Investment Consultant to Financial Consultant before his current role. Prior to Fidelity, Seth gained experience as an Investment Advisor at Glass Jacobson, a Wealth Advisor at Sawyer Wealth Management, and a Financial Advisor at AIG Financial Network. Throughout his career, Seth has focused on providing client-first financial planning, working closely with clients and their families to build confident financial futures. His professional journey reflects a consistent commitment to pursuing clients' financial success through strong and lasting relationships. Outside of his professional work, Seth has personal interests that include fitness, golf, playing instruments, motorcycles, snowboarding, and traveling.

Brian Gibbons is a financial advisor with Cetera in Annapolis, MD, holding Series 63, 65, and 66 credentials and 29 years of industry experience. His prior work includes roles at Mass Mutual Investors Services, Mass Mutual, and Metlife Securities Inc. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Bill Polizos is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at PNC Investments LLC, Capital One Advisors, LLC, Capital One Investing, LLC, and Morgan Stanley. Outside of his advisory work, he is involved with Marniso Wealth Advisors Inc., a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers diverse advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Madison Decker is a financial advisor at Raymond James & Associates with the Series 66 credential and four years of industry experience. Prior to joining Raymond James, Decker held roles with the Miami Dolphins and the Miami Open and Hard Rock Stadium. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Holly Hobbs is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 19 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for 13 years before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through various programs including corporate financial planning agreements.

Elizabeth Mciver is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

Terrance Dandridge is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2016 and previously spent three years at T. Rowe Price. Stifel serves a diverse client base, including individuals, institutional clients, and nonprofit organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Mark Altemus is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 registrations and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously held a role at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, emphasizing tailored financial planning supported by firm‑approved tools and analysis. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.