Charles Mcneilly is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Cetera since 2021 and also leads Oak Court Wealth Management, a firm he has been associated with since 2014. Mcneilly serves as a board member for Services from the Heart, a nonprofit organization focused on food distribution and fundraising. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform with diverse program structures and custodial relationships.

Kristen Vargay is a financial advisor at Merrill with 13 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2012. 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, and various organizations.

Alyssa Gorny is a financial advisor at J.P. Morgan Securities in Baltimore, MD, holding a Series 66 designation. She has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2025, including prior experience at Constellation Energy and the University of Rochester. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research supported by a centralized manager solutions team, with a range of regulatory registrations that enable broader derivatives and commodities capabilities.

Erik Pedley is a financial advisor with Cetera, holding a Series 66 credential and over 11 years of industry experience. He has worked at several firms including First Allied Advisory Services and currently operates an independent financial services business, Portfolio Advisory Associates. He also serves as a board member of the University of Maryland Alumni Association. Cetera Investment Advisers LLC is an SEC-registered adviser offering a wide range of portfolio management and financial planning services through a large network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm employs a multi-manager platform with access to various investment strategies and program structures, overseeing approximately $256 billion in assets.

Steve Janvier is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017 and MetLife Securities from 2006 to 2017. His other business activity includes working as an independent insurance agent specializing in life, accident, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software to provide detailed, collaborative planning without discretionary investment authority.

Timothy Barger is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has worked at various JPMorgan entities since 2018 and previously at Academy Financial Advisors and Lincoln Financial Advisors Corporation. Outside of his advisory role, he serves as a board member on the NextGen committee of the Association for Corporate Growth, Maryland Chapter, which connects young professionals in the middle-market M&A field. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes ESG eligibility criteria, serving clients with non-discretionary, institutionally focused solutions.

Deborah O'Neill is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2009, currently working within the Morgan Stanley Services Group. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Cecil Denton is the sole advisor at Decisions, LLC in Baltimore, MD, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Decisions since its founding in 1997. In addition to his advisory work, he is involved in life insurance activities with brokerage companies. Decisions, LLC provides financial planning and consulting services while referring clients to third-party asset managers and broker-dealers for portfolio management. The firm serves individuals, high-net-worth clients, business entities, and nonprofit organizations, and does not take custody of client assets.

Renato Sciacqua is a financial advisor with Tilton-Steele International in Baltimore, MD, holding a Series 65 designation and four years of industry experience. He has been with Tilton-Steele International since 2012. Tilton-Steele International serves high-net-worth individuals, families, trusts, endowments, foundations, charitable organizations, and pension plans by arranging introductions between investors and independent investment advisors. The firm focuses on referral arrangements rather than discretionary portfolio management or asset custody, emphasizing advisor selection criteria and portfolio monitoring.

Troy Spratley is the principal of Troy R. Spratley Investment Advisory in Baltimore, MD, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has operated his independent advisory firm since 2002. Spratley also has longstanding involvement with Spratley & Johnson, Inc. since 1995. Troy R. Spratley Investment Advisory is a state-registered, solo advisory firm that provides portfolio management services primarily for individual clients. The firm manages approximately $1.56 million in client assets and employs a compensation model that includes both asset-based advisory fees and commissions for certain transactions.

Richard Lenet is a CFP® professional with 26 years of experience operating Lenet Financial Resources, LLC, an independent advisory firm based in N. Potomac, MD. His practice is distinguished by its integration with accounting services through an affiliation with an accounting firm. Lenet Financial Resources, LLC serves a small client roster, delivering advisory services coordinated with accounting activities rather than traditional ongoing portfolio management. The firm’s approach emphasizes fee arrangements and advisory processes that incorporate tax and accounting considerations, targeting a client base outside the typical mass-affluent retail market.

Joseph La Rocque is a financial advisor with LaRocque Financial Group, LLC, holding a Series 65 designation and over four years of industry experience. He has held roles with multiple fund families including Franklin Templeton, Columbia Threadneedle, and Lincoln Financial Group. La Rocque serves as an independent director and trustee for mutual fund families in the UK, Luxembourg, Ireland, and the US, including chairing boards and audit committees. LaRocque Financial Group provides advisory services to individual and high-net-worth clients by referring them to third-party investment advisers rather than managing assets directly. The firm focuses on vetting and recommending licensed outside advisers and operates through fee-sharing arrangements without managing client assets or exercising investment discretion.

Scott Grebenstein is a financial advisor with Foresight Financial Services, LLC, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. Prior to founding Foresight Financial Services in 2021, he spent 10 years at Mclaughlin Ryder Investments. Outside of his financial advisory work, he owns and operates an online sports memorabilia business. Foresight Financial Services is an independent firm serving clients from Laurel, MD.

Nancy Bryant is a CFP® and holds a Series 63 license, with six years of experience in financial advising. She has been with Bryant Financial Advisory, Inc., an independent firm based in Baltimore, MD, since 2012. Bryant Financial Advisory, Inc. operates as a sole-advisor firm focusing on personalized financial advisory services.

Charles Nemphos is a financial advisor at NorthStar Wealth Management, Inc. with 39 years of industry experience. He has worked at NorthStar Wealth Management since 2005 and has held a position at Lasalle St. Securities, L.L.C. since 1998. Outside of financial services, he is involved in a family-owned clothing business, Yale Sportwear Inc. NorthStar Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients. The firm focuses on individualized portfolio management and periodic account reviews, offering tailored oversight through ongoing advisory relationships.

Jean Elizabeth Hubbard is a CFP® and holds a Series 66 license, with 26 years of industry experience. She has been with NorthStar Wealth Management, Inc. since 2005 and also maintains a longstanding affiliation with Lasalle St Securities, L.L.C. Outside of her advisory roles, she is involved with Windmill Point Real Estate. NorthStar Wealth Management provides investment advisory and financial planning services primarily to individual and high-net-worth clients. The firm focuses on individualized portfolio management and ongoing advisory relationships to deliver tailored investment oversight.