Clifford Rowland II is a CFP® designated financial advisor with 39 years of industry experience, currently affiliated with Cetera. He has held roles at Avantax Advisory Services and Avantax Investment Services, Inc. for over three decades and operates his own CPA and bookkeeping practice. He is also an independent insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment program options and manages over $256 billion in assets.

Lydia Ruppenthal is a Series 66-licensed financial advisor with four years of industry experience. She currently works at LPL Financial and previously held roles at Raymond James & Associates, NETNA, and Signal Securities, Inc. Outside of her advisory work, Lydia is involved in social media activities with Amazon.com, 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 provides a range of advisory and brokerage services through a large network of advisors, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Laura Strosnider is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley since 2016. Strosnider is also engaged as an investment adviser with Fulton Financial Corporation, where she dedicates significant time to investment-related activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to help clients model potential outcomes.

Allan House is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Brown Advisory, Santa Barbara Asset Management, and Rittenhouse Asset Management. He serves on the Investment Committee of the Friends School of Baltimore and is a board member of the Finance Committee at The Chesapeake Bay Trust. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools and offers a broad range of investment programs and affiliated services.

Annalee Beharie is a financial advisor at Morgan Stanley in Baltimore, MD, with five years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Carly Hughes is a Financial Consultant currently working at Fidelity Investments. She has been with Fidelity since 2020, initially serving as an Investment Consultant before transitioning to her current role in 2023. Prior to joining Fidelity, Carly worked as a Financial Consultant at T. Rowe Price from 2008 to 2018. Throughout her career, Carly has focused on developing personalized financial strategies tailored to her clients' unique needs, values, and objectives. She collaborates with clients to co-create customized financial plans that address both their short-term priorities and long-term financial goals, aiming to provide confidence and clarity in their financial decisions.

Daniel Benkoski is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles and investment preferences.

Carl Osterman is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill Lynch Pierce Fenner & Smith since 2002 and affiliated with Bank of America since 2009. Osterman serves as a committee member on the investment committee of Broadmead, Inc., a nonprofit organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Margo Bryant is a financial advisor at Fidelity with 30 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity Brokerage Services LLC since 2016, including roles at Fidelity Personal and Workplace Advisors and earlier at T. Rowe Price Advisory Services, Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with distinctive activities such as regulatory registration as a commodity pool operator and advisory roles to multiple fund-of-funds.

Passant Abbas is an Investment Consultant at Fidelity Investments, a position held since 2026. Prior to this role, Passant worked as a Planning Consultant at Fidelity Investments from 2025 to 2026. Before joining Fidelity, Passant served as an ADP Financial Solutions Advisor at Merrill Lynch, Pierce, Fenner & Smith Incorporated from 2023 to 2025, and was a Registration Candidate in the same role from 2022 to 2023. Passant focuses on partnering with clients to develop financial plans that align with their values, goals, and lifestyle. Their approach involves listening and understanding what matters most to clients, aiming to educate, support, and guide them in making confident financial decisions, whether they are working toward retirement, pursuing a legacy, or planning for the future. Outside of professional responsibilities, Passant enjoys family activities, traveling, and volunteering.

Nolan Walchko is a financial advisor at OSAIC with two years of industry experience and holds a Series 66 designation. His prior roles include positions at Lincoln Financial Advisors, StoneBridge Advisors, and Harborside Group, as well as experience at Loyola University Maryland. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supported by a range of discretionary and non-discretionary strategies, and is notable for its scale and complex affiliate network.

Alexander Johnson is a CFP®-certified financial advisor with nine years of industry experience, currently with UBS Financial Services since 2021. He previously worked at The Vanguard Group, Inc. for four years and Dakota Funds Group for one year. Johnson also attended Saint Joseph's University from 2013 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, including fiduciary financial planning and capital markets operations.

Nicole Wilson is a Series 66-licensed financial advisor with six years of industry experience. She is currently with LPL Financial and previously worked at Cambridge Investment Research Advisors, Janney Montgomery Scott, and Advanced Financial Consultants. Outside of her advisory role, she is involved in tax preparation and accounting through Advanced Tax, Accounting & Software Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Ryan Henry is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2024, he held teaching positions at St. Mary's College of Maryland, McDaniel College, Mount St. Mary’s University, and River Hill High School. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Gerard Caswell is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a platform offering custody, underwriting, and capital markets services.

Katherine Muscatello is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. since 2024. Outside of her advisory role, she has been involved with Redeemer Presbyterian Church Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research, with an emphasis on eligible investment strategies and ESG considerations.

Scott Ensor is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools with modeling techniques to support its financial planning process.

Stephen Schmidt is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank since 2023, Charles Schwab since 2022, and previously at TD Ameritrade from 2006 to 2022. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment approaches supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Michael Brown is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Compass Group USA, Inc. and Avendra, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

John Darlington III is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at Wells Fargo Clearing Services, Inc. for seven years and is currently involved with SeaHawk Investments LLC, which he owns and serves as CEO. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, supported by analytical tools and a municipal advisor affiliation that is uncommon among large institutional firms.