Teresa Woolery is a financial advisor at Wells Fargo Clearing with 40 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following three years at Wells Fargo Advisors, LLC. 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 offers both brokerage and advisory solutions.

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 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2026, with prior experience at Wells Fargo Bank and in legal and retail roles. 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 databases.

Vincent Marsh is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked with Wells Fargo affiliates since 2009, including Wells Fargo Advisors LLC and Wachovia Bank, N.A. Wells Fargo Advisors is a national securities firm managing roughly $671 billion in assets with over 14,000 advisors. The firm provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Thai Nguyen is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans 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 broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

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 financial advisor with Cetera, holding CFP® and Series 66 credentials and 27 years of industry experience. He has worked at Cetera since 2024 and leads Chelf Asset Management since 2025. Chelf also engages in sales of fixed insurance products and operates under additional financial services entities. Cetera is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary strategies.

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.

Ruth Sliviak is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Grove Point Advisors, LLC and Grove Point Investments, LLC, and has been involved with Individual Corporate Services since 1998. Outside of her advisory work, she volunteers with a local citizen group and serves as a committee member and Eucharistic Minister at St. Jane Frances de Chantal Catholic Church in Pasadena, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of financial planning, asset management, and retirement services through a large network of investment advisers. The firm provides both discretionary and non-discretionary portfolio management and integrates technology tools to support its advisory platform.

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 with Robert Baird & Co. in Towson, MD, holding Series 63 and Series 66 credentials and bringing 20 years of industry experience. His prior roles include positions at Cerity Partners LLC, Maryland Capital Management, Franklin Distributors, and Lord, Abbett & Co. LLC. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management department that serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. Baird offers a range of services including financial planning, portfolio management through separately managed account programs, and custody and brokerage services, supported by ongoing manager selection and internal research.

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.

Joel Fiddle is a financial advisor with LPL Financial in Reisterstown, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include positions at Bank of America, Merrill, M&T Securities, PNC Wealth Management, and Mercantile Brokerage Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a diverse range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad network of investment adviser representatives.

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 credentials. His prior experience includes fourteen years at Hardesty Capital Management and four years at Bank of America N.A. alongside his current role at Merrill. 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 offers model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.