Rebecca Simmons is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2011, progressing through positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. In her current role, Rebecca helps clients and their families navigate financial decisions and life transitions by developing step-by-step plans tailored to their goals. She initiates client relationships with goals and education sessions, followed by customized strategy sessions and semi-annual reviews to maintain and refine those plans. Rebecca holds a California Insurance License.

Peter Oneill is a financial advisor at Charles Schwab with 30 years of industry experience. He holds a Series 63 designation and previously worked at Fiduciam Wealth Planning LLC from 2017 to 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs and managed-account services. The firm provides both non-discretionary and discretionary investment guidance through multi-asset model portfolios and integrates advisory, brokerage, custody, and cash-sweep services within its platform.

Joel Ferman Hernandez is a financial advisor with Wells Fargo Clearing in Columbia, MD. He holds Series 65 and Series 63 licenses and has been with Wells Fargo since 2024, including experience at Wells Fargo Bank, N.A. Prior to his financial industry roles, his background includes work in legal services, pharmacy, education, and retail. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Vincent Marsh is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds the Series 65 and Series 63 designations and has worked at Wells Fargo Clearing since 2016, with prior experience at Wachovia Bank, N.A. beginning in 2009. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Thai Nguyen is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Truist Investment Services, Inc. from 2005 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines research from its investment institute with diversification principles and modern portfolio theory in its investment approach.

Jacqueline Snyder is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2019, she worked for Baltimore City Public Schools for three years. Morgan Stanley Wealth Management provides a broad 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 employs a planning process that includes firm-approved tools and scenario modeling.

Jason Costner is a CFP® with 23 years of industry experience, currently serving at Cetera since 2025. He previously worked at Avantax Investment Services and 1st Global Advisors, with six-year tenures at each firm. He also maintains an investment advisory role with WABC Wealth Management Services. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual and institutional clients, offering diverse investment platforms and access to both affiliated and third-party managers.

Charles Chelf IV is a CFP® with 27 years of experience in the financial services industry. He is currently with Cetera and serves as president of Chelf Asset Management. His prior experience includes roles at IC Advisory Services Inc, The Investment Center Inc, LPL Financial, and National Planning Corporation. Outside his advisory work, he is also involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, leveraging both affiliated and third-party managers across multiple program structures.

Joseph Rahall IV is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2018. Prior to that, he worked at SunTrust Advisory Services, Truist Investment Services, BB&T Investment Services, and Edward Jones. 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, offering both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Benjamin Proctor III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of financial planning services supported by structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

James Guidera III is a financial advisor at Robert Baird & Co. with 20 years of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at Cerity Partners LLC, Maryland Capital Management, LLC, Franklin Distributors, LLC, and Lord, Abbett & Co. LLC. Robert Baird & Co.’s Private Wealth Management department serves individuals, including high net worth clients, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, utilizing internal research and manager oversight to support client advice.

Michael Strosnider is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets through a structured planning process and diverse investment offerings.

Lori Villegas is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and over 31 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association, since 2015. Outside of her advisory work, she serves as a board member and networking ambassador at the Center Club in Baltimore. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory services to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning programs.

Christopher Glotzbach is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. His career includes positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools as part of its financial planning process.

Andrew Garrett is a financial advisor at Cetera with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Avantax Investment Services and 1st Global Capital Corp. Outside of his advisory role, he serves as a trustee for a 401(k) plan and is involved with WABC Wealth Management Services. 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 with various portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.

John Kernan is a financial advisor at Merrill with seven years of industry experience. He holds the Series 65 and Series 66 licenses and has worked previously at Hardesty Capital Management from 2008 to 2022. Kernan is currently based in Lutherville, MD. 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 with model-based and discretionary investment strategies.

Joseph Fink is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022 and was previously with Lincoln Financial Distributors from 2015 to 2022. Fink serves as a board member of the Park School of Baltimore Alumni Association and is co-trustee of the Fink Family Estate. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements.

Connor Balea is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill, he worked in various roles including at Guidos Burritos and Towson University. 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 institutions.

Russell Staley is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. Outside of advisory work, he serves as a cash solicitor for Cornerstone Advisory LLP and is a notary public in Maryland. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves assessing client information and risk tolerance to match clients with appropriate investment programs, using a combination of proprietary and third-party asset management solutions.

Jonathan Wang is a financial advisor with Cetera Investment Advisers LLC and holds a Series 66 designation. He has 14 years of industry experience and has worked with firms including Merrill, Wells Fargo Clearing, HSBC Bank USA, and SunTrust. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.