Kevin Hutt is a CFP® with 31 years of experience in the financial industry. He is currently with Cetera and has held roles at Avantax and Onyx Asset & Wealth Management over his career. Outside of advisory work, he serves on the boards of several nonprofit organizations, including the Celebration Community Development Corporation and the National Children’s Center, Inc. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options and program structures, supporting over 10,000 advisors and approximately 800,000 clients.

Connor Flynn is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, following two years at Axa Advisors, LLC. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Patrick Durbin is a CFP® professional affiliated with Edelman Financial Engines in Ellicott City, MD, with 10 years of industry experience. He has previously worked at Financial Engines Advisors L.L.C., Fidelity Brokerage Services LLC, and Edelman Financial Services, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary management solutions.

Justin Taylor is a CFP® with 12 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at METLIFE SECURITIES Inc from 2013 to 2017. Taylor also works as an independent insurance agent specializing in dental, group disability income, life, accident, health, and Medicare-related products. Mass Mutual 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, with a structured planning approach that emphasizes collaborative goal analysis and recommended investment strategies.

Garrett Atkins is a Series 66 licensed financial advisor at Equitable Advisors with three years of industry experience. He has been with Equitable Advisors since 2023 and previously spent time at the University of Alabama. Equitable Advisors serves a diverse client base including individuals of varying wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, utilizing both proprietary and third-party investment solutions.

Logan Mc Naney is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he was involved in collegiate and professional lacrosse, playing for the Premier Lacrosse League's Denver Outlaws. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs through a large network of Investment Adviser Representatives. The firm emphasizes assessing client risk tolerance and matching clients with appropriate advisory models, including third-party and proprietary solutions.

Heather Sommerfield is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise since 2009, including six years with Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Ameriprise Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Evan Downey is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets LLC since 2011. Outside of his advisory role, he serves on the board of directors for Athletes Serving Athletes, a charitable foundation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Landon Schabes is a financial advisor at Wells Fargo Clearing with Series 65 and Series 66 credentials and one year of industry experience. His prior work includes roles at Uniqlo, Florida Financial Advisors DBA Tristate Financial Advisors, and The Orchard Restaurant. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes discretionary options with a broader set of financial product offerings than typical for large institutional advisers.

Christopher Schipske is a CFP® with 26 years of experience in the financial services industry. He has been with Cambridge Investment Research Advisors since 2010 and has prior experience at Prostatis Financial Advisors Group, Asset & Financial Planning, Ltd, and D'Orazio Wealth Advisors. Outside of advisory work, he owns and operates Athlon Tax Services, a tax and small business consulting firm. Cambridge Investment Research Advisors serves a diverse group of individual and institutional clients, including pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory services, and wrap-fee programs through thousands of Financial Professionals, managing a multi-billion dollar asset base across multiple platforms and custodians.

Gregory Gann is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 66 credentials and over 32 years of industry experience. He previously worked at Transamerica Financial Advisors and has been with LPL Financial since 2005. Gann is a licensed attorney in Maryland, though he is not currently practicing law, and he has authored a booklet titled "Your Investment Time Bomb." He also contributes occasionally as a freelance writer for Proactive Advisor Magazine and owns a mediation and litigation support services firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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 portfolios, third-party asset management, and institutional platforms.

Joshua Fredricks is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in supporting corporate executives, business owners, and affluent families. He brings over 25 years of experience focused on asset and liability management to assist clients in planning for and achieving personal financial goals through collaborative relationships. Josh's expertise encompasses corporate executive services, executive and equity compensation, family wealth management strategies, legacy and philanthropic planning, tax minimization, and personal retirement planning. He is part of The Cunningham/Fredricks/Otten Group, which offers comprehensive services including investment and retirement planning, pre- and post-IPO planning, concentrated stock strategies, and private business succession and transition planning. He holds a Bachelor of Science degree in Finance and Small Business Management from the University of Colorado Boulder and has earned the Chartered Retirement Planning Counselor designation. Joshua has been recognized on the Forbes "Best-in-State Wealth Advisors" list for multiple consecutive years. His personal interests include golfing, ice hockey, music, spending time with family, tennis, and traveling.

Elisha Comfort is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 credential and has been with Morgan Stanley for ten years. Outside of her advisory role, she is involved with Heavy Seas Alehouse, a business she has been associated with for over a decade. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Amit Thakkar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His career includes multiple roles within Wells Fargo entities since 2011 and a brief tenure at Edward Jones in 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joshua Berry is a Financial Advisor with Merrill Lynch Wealth Management. He emphasizes a holistic wealth management approach that begins with understanding each client’s unique financial situation and values. Joshua develops personalized strategies designed to adapt to changing needs and market conditions, leveraging Merrill's investment insights and the banking capabilities of Bank of America. Joshua holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Virginia Polytechnic Institute & State University. He is actively involved in his community, volunteering with local youth organizations such as Hilltop Elementary School. Outside of work, Joshua enjoys fishing, football, and spending time with his family.

Patrick Gibbons is a financial advisor with LPL Financial, holding a Series 66 credential and over 23 years of industry experience. Prior to joining LPL Financial in 2019, he spent 16 years at Northwestern Mutual in various capacities including wealth and investment management. He serves as finance committee chairperson for Emory Church and is a board member of the Construction Finance Association, both nonprofit organizations. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms supported by advanced operational tools and manages over $819 billion in discretionary assets.

Beth Pharr is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and possessing 21 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients, including 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 and modeling techniques as part of its financial planning process.

Bilal Colbert is a financial advisor with LPL Financial in Hanover, MD, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Tower Federal Credit Union, E*TRADE Securities, TD Ameritrade, Bank of America, and Merrill. He also operates Tower Wealth Management, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by tools such as machine learning for operational assistance.

Chris Varlotta is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, following a 15-year tenure at METLIFE Securities Inc. Outside of his advisory role, Varlotta is involved as a co-owner in Tidecreek Planning, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and facilitates ongoing, collaborative planning engagements with clients.

Kelley Fant is a financial advisor with RBC Capital Markets in Columbia, MD, holding a Series 66 designation and 17 years of industry experience. Fant has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, and provides a range of portfolio management, financial planning, custody, and brokerage services.