Joan White Mccain is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 38 years of industry experience. She has been with LPL Financial since 2008. Her professional activities include sales of non-variable insurance products such as life, health, disability, long-term care insurance, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, supported by in-house research and third-party subadvisors.

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.

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.

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.

Kyle Murphy is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 10 years of industry experience and has worked with Cambridge Investment Research Advisors since 2017. In addition to his advisory role, he is an independent insurance agent affiliated with Midland National Life and operates Murphy Financial Group in Sykesville, MD. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals.

Amanda Burnside is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Kestra Financial, The Leaders Group Inc, and The Affluence Group. Burnside joined Morgan Stanley in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by structured discovery conversations and proprietary planning tools.

Randolph Roulette is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has 26 years of industry experience, including prior roles at Bank of America and Merrill. He is based in Lutherville, MD. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

David Repko is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns businesses involved in consulting and education infrastructure and is the owner of Aiken Racing Management, a consulting business. Ameriprise serves individuals approaching or in retirement, offering a specialized retirement-income planning service that integrates research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm supports clients with a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Marco Rosas Ruiz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, NA since 2016. Outside of his financial career, he is involved in the hospitality industry as a cashier at Timbuktu Restaurant in Hanover, MD. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Stephanie Livingston Alper is a financial advisor at LPL Financial with 10 years of industry experience. She has held roles at LPL Financial since 2018 and previously worked at INVEST Financial Corp. from 2015 to 2018. Outside of her advisory work, she is the owner and president of Livingston Tax Solutions and a managing partner of EliteProcure, LLC, an equipment supplier for contractors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, with access to model portfolios and research from multiple sources.

Matthew Kunkel is a CFP® with 26 years of industry experience and has been with RBC Capital Markets LLC since 2008. He is based in Baltimore, MD, and holds a Series 66 designation. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored portfolio management options using both in-house and third-party investment managers, supported by a comprehensive suite of financial planning, custody, and brokerage services.

Kenneth Graves is a financial professional at Cetera with over 32 years of industry experience. He has held roles at multiple firms, including Avantax and 1ST Global Advisors, and currently operates Paved Wealth Partners, LLC. Graves is also affiliated with NL Healthcare Advisory Accounting & Tax LLC, a CPA firm serving as the sponsor for the Avantax relationship. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, providing services to individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with extensive program options and over $256 billion in assets under management.

Jonathan Kalu is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Christopher Brazfield is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2012 and also has concurrent experience with the Department of Defense since 2011. Outside of his advisory role, Brazfield has involvement in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, operating at scale with nearly 3,700 advisors and $15.5 billion in assets under management. The firm’s program emphasizes model-based investment strategies overseen by third-party managers and focuses on individual investors rather than institutional clients.

Aaron Troup is a CFP®-certified financial advisor with Ameriprise, based in Arnold, MD, and has 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and EZ Federal Benefits Education. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement with significant investable assets, offering detailed written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools to support its advisory process.

Shamli Mamgain is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Wells Fargo, she held roles at Urban Cooperative Bank Limited and Newbt Teas of London. She is also affiliated with the University of Baltimore. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Joel Cohn is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and formerly at Citigroup Global Markets. Outside of his advisory role, he serves as a board member of Beth Tfiloh Synagogue, engaging in fundraising activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

James Lee is a financial advisor with MassMutual Investors Services in Columbia, MD, holding Series 63 and Series 66 licenses and 30 years of industry experience. He has held roles at Metropolitan Life Insurance Company and MetLife Securities Inc. since 1999 and has been with MassMutual Investors Services since 2017. Outside of advising, he is an agent involved in life and health insurance and owns Metropolitan Wealth Advisors, LLC. 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, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships and provides specialized event-driven planning, including estate settlement and divorce planning.

Nicole Mc Donald is a Financial Advisor with Merrill Lynch Wealth Management. She partners with individuals, families, and organizations to develop personalized financial strategies aimed at pursuing long-term goals by aligning money with clients' values and aspirations. Nicole's experience includes a background in the hospitality industry, which contributes to her focus on listening and delivering tailored financial guidance. She provides support in areas such as retirement planning, wealth preservation, liquidity management, portfolio management services, and financial strategies for business owners and mission-driven organizations. Nicole holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Howard University and is involved in community service through the Howard University Alumni Club and the Phi Sigma Chapter of Sigma Gamma Rho Sorority, Inc. Nicole's personal interests include basketball, hiking, music, photography, spending time with family, and traveling.