Aron Maddox is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with MML Investors Services and MassMutual since 2015. Outside of his advisory role, he also works as a fulfillment associate at an Amazon fulfillment center. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars through structured, collaborative client relationships using firm-approved analytical tools.

Colin Renick is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at Bank of America, N.A., Sheppard Pratt, the Social Security Administration, and the GEAD Language Community. Merrill offers managed account services through the Select Portfolio Solutions program, serving a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies developed by its Chief Investment Office and third-party managers within Bank of America’s broader corporate platform.

Susan Frillman is a financial advisor at RBC Capital Markets with 14 years of industry experience. She holds a Series 66 designation and previously worked at Harbor Investment Advisory, LLC for 13 years before joining RBC in 2024. Outside of her advisory role, she serves as Treasurer for a local condominium association, overseeing financial accounts and payments. RBC Wealth Management provides services to a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Stephen Ross is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill and Bank of America prior to joining Morgan Stanley in 2022. He serves on the Investment Committee of the Foundation for Sulpicians of the United States, a civic and religious organization based in Baltimore, Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to model financial outcomes.

Ryan Carr is a financial advisor with Ameriprise Financial Services, LLC in Bel Air, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked for MedStar Health from 2011 to 2020. He also manages an advisory business under J&R Juergensen Inc. as a Certified Financial Planner. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Mark McGrath is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Ameriprise since 2017 and previously spent 10 years with Stifel. McGrath serves on the boards of the Young Victorian Theatre Company and the Handel Choir of Baltimore and participates in the investment committee for the Church of the Good Shepherd. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines investment research, third-party data, and algorithmic tools to deliver tailored, tax-aware retirement strategies.

Karah Helm is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm is integrated into Bank of America’s corporate platform, providing access to a wide range of products and services.

Michael Rufo is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 designation and has been with both Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, Rufo owns Giglio Rosa, LLC, a business that manufactures and sells alternative-leather goods, including wallets and women's handbags. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Elizabeth Paal Goss is a CFP®-certified financial advisor with 15 years of industry experience. She currently works with OSAIC and previously spent 15 years at Lincoln Financial Advisors. Goss serves on the alumni board of Calvert School, focusing on engaging young alumni through events and communications. OSAIC Wealth, Inc. provides investment advisory and brokerage services to a diverse client base including individual investors, institutions, and charitable organizations. The firm utilizes various asset-allocation tools and offers portfolios with a wide range of investment options, managed on discretionary or non-discretionary bases.

Michael Ford is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His previous roles include positions at Bank of America, N.A. and Merrill. RBC Wealth Management serves a diverse client base ranging from individual investors to institutions and offers a variety of advisory programs with customizable portfolio management and investment options. The firm integrates multiple investment managers and emphasizes a range of services including financial planning, custody, and brokerage.

Scott Falkowitz is a financial advisor with Ameriprise in Pikesville, MD, holding Series 63 and Series 66 credentials and 25 years of industry experience. He has been with Ameriprise since 2009. Falkowitz owns and manages a corporation related to his financial advising practice. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm employs a centralized consulting team and combines research, modeling, and tax-efficiency analysis to deliver tailored advice, with a focus on assets held in Ameriprise managed accounts.

Philip Defelice is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 17 years at Wells Fargo Securities, LLC and five years at Divine Lifestyle Group Inc. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of services from financial planning and consulting to access to model portfolios and third-party asset management, utilizing an integrated platform that combines advisory programs with brokerage and insurance products.

Marco Sacca is a financial advisor at Robert W. Baird & Co. with 24 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 66 designations. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group provides tailored consulting and portfolio services, including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Richard G. Mohelski is a Wealth Management Advisor, Senior Vice President, and Portfolio Manager at Merrill Lynch Wealth Management. With over 30 years in the financial industry and more than 20 years holding the Chartered Financial Analyst® designation, he employs a disciplined wealth management process that integrates clients' risk tolerance, time horizon, liquidity needs, and investment goals. Richard's approach includes comprehensive reviews of clients' financial and personal lives to establish tailored objectives and develop appropriate portfolio strategies. He utilizes the investment resources of Merrill and banking capabilities of Bank of America to provide products and services aimed at simplifying and integrating clients' financial lives. Richard regularly conducts financial reviews to monitor progress and adjust strategies as needed based on life changes or market conditions. Richard graduated from the University of Virginia in 1992 with a Bachelor of Arts degree in Economics and a Minor in Religion. He holds multiple professional designations including Chartered Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is a member of professional organizations such as the Baltimore Security Analysts Society, CFA Institute, College for Financial Planning, and National Association of Plan Advisors. Outside of his professional career, Richard is married to Gayle and they have two sons and a daughter.

Barbara Walters is a financial advisor with Equitable Advisors in Hunt Valley, MD, holding Series 66 and Series 63 credentials and 14 years of industry experience. She previously worked at RBC Capital Markets for 17 years and Stifel Independent Advisors for four years. Walters is also a commissioned notary for the state of Maryland. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model as both an SEC-registered investment adviser and broker-dealer.

Avis Fagu is a financial advisor with Wells Fargo Clearing, holding CFP® and Series 66 credentials and bringing 21 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a three-year tenure at WELLS FARGO Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and a broad range of brokerage and advisory solutions.

Eric Villamater is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment committee analyses.

Sarah Cicero is a CFP® professional affiliated with Osaic, with 22 years of experience in the financial services industry. She has worked at Lincoln Financial Advisors Corp from 2003 to 2025 and StoneBridge Advisors, Inc. since 2005. She also owns StoneBridge Advisors and provides insurance products including disability insurance and annuities. Sarah serves as power of attorney for her mother, overseeing financial and legal decisions if needed. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to multiple investment platforms and third-party money managers.

Timothy O Brien is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his career in finance, he worked for four years at La Tolteca Mexican Restaurant. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Campbell Jamieson is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this position, he partners with clients and their families to understand their financial landscape, develop a roadmap, and guide them towards their financial goals through comprehensive personalized planning. Prior to joining Fidelity Investments, Campbell worked as a Senior Sales Consultant at T. Rowe Price from 2020 to 2024. Before that, he served as a DCIO Internal Wholesaler at State Street Global Advisors from 2016 to 2020. His professional experience spans investment consulting and sales roles within prominent financial institutions. [No information about education, credentials, personal interests, or community involvement was provided.]