Wendy Quattrochi is a financial advisor with Osaic, holding Series 63, 65, and 66 designations and bringing 33 years of industry experience. She previously spent 23 years with American Portfolios Financial Services before joining Osaic in 2024. In addition to her advisory role, she is a notary public and an appointed insurance agent licensed to provide long-term care insurance advice. Osaic Wealth, Inc. serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services across multiple platforms. The firm uses proprietary asset-allocation tools and access to third-party managers to construct portfolios that include a broad range of investment options.

Benjamin Yannuzzi is a Series 66-licensed financial advisor with six years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Truist Advisory Services, BB&T Bank, and NCS Pearson. Yannuzzi is based in Baltimore, MD. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors, combining institutional advisory capabilities with brokerage and investment management services.

Jeffrey Cohen is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Cetera since 2005 and also operates a tax preparation practice through Jeff Cohen CPA, LLC. In addition, he serves as an audit manager at the Department of Health and Human Services, specializing in Medicaid audits for the federal government. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and unaffiliated third-party managers.

Charles Williams Glaser is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. He previously worked at SunTrust Advisory Services and SunTrust Investment Services, Inc. for a combined total of over a decade. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with customized investment strategies, offering discretionary and non-discretionary portfolio management, financial planning, and a range of advisory programs. The firm integrates multiple investment managers and provides various options including tax management and responsible investing screens.

Robert Newland is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 41 years of industry experience. Prior to joining Cetera in 2025, he spent over three decades with Avantax Advisory Services and Avantax Investment Services, as well as extensive time at A.L. Williams. He serves as the volunteer treasurer for the Kiwanis Foundation of Prince Georges County, MD. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors 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 access to affiliated and third-party managers and a variety of program structures.

Matthew Dunigan is a financial advisor with Edward Jones in Catonsville, MD, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2011. Outside of his advisory work, he serves as a youth soccer referee with the Harford Sports Officials Association. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of over 23,700 financial advisors and 15,000 branch offices nationwide.

Garrett Southern is a financial advisor with Ameriprise in Ellicott City, MD, holding a Series 66 designation and six years of industry experience. He has worked exclusively with Ameriprise since 2018, following brief roles at Planning Solutions Group and Loftus Masonary. Outside of his advisory role, he is involved with CAWM Services, LLC as a paraplanner, managing advisory business activities. Ameriprise offers a retirement-income planning service designed for clients approaching or in retirement, typically those with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations through a centralized consulting team.

Manuel Alcala is a financial advisor at Morgan Stanley with 28 years of industry experience. He has held roles at Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. in Baltimore, MD. He holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Zachary Szczybor is a financial advisor at OSAIC with one year of industry experience. He holds the Series 66 designation and has prior experience at StoneBridge Advisors, Inc, LGS Financial, and Bill's Seafood & Catering. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, employing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct diversified portfolios that include a range of investment products.

Kathleen Schoff is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 designations and 34 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she has a minor ownership interest in Samson Explorations, LLC, which generates quarterly royalty payments. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Gavin Rayburn is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. He has worked at Morgan Stanley since 2012, including a role at Morgan Stanley Private Bank, N.A. since 2018. Rayburn serves as a board member on the Finance Committee at John Carroll School in Bel Air, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial and estate planning, employing structured discovery conversations and firm-approved planning tools in its approach.

Courtney Massey is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. She previously worked at Merrill, ClearOne Advantage, Lonzo Warren State Farm, Maryland Management Company, and Darden Restaurants. Massey also works as an independent contractor for a travel agency, focusing on trip booking, marketing, and itinerary planning. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Theodore Waters III is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2014. Outside of his advisory role, he serves on the Investment and Finance Committees of St. Thomas Episcopal Church in Owings Mill, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Karen Bartz is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 24 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is in the process of winding down a non-investment-related plastics sales business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques.

Mark Molowa is a financial advisor with Mass Mutual Investors Services in Bethesda, MD, holding the CFP® designation and a Series 66 license. He has 11 years of industry experience, including roles at Goldman Sachs, CETERA Advisor Networks, United Capital Financial Advisers, and Stifel. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, offering strategies that focus on investment categories rather than specific product selections.

Julia Jorss is a financial advisor at RBC Capital Markets with one year of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Haverford Trust Securities Inc. before joining RBC Capital Markets. 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 various advisory programs with customizable investment strategies using both in-house and third-party managers, along with integrated financial planning and brokerage services.

Juan Oechsle is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he operates a limited crab harvesting business in the Chesapeake Bay. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Douglas Meyer is a financial advisor at Osaic Wealth, Inc. with 44 years of industry experience. He has held the Series 63 and Series 65 designations and previously worked for American Portfolios Financial Services, Inc. for 23 years before joining Osaic in 2024. On rare occasions, he has written life insurance and long-term care insurance. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers, utilizing a variety of asset-allocation tools and portfolio construction methods.

Caroline Hulting is a financial advisor at Ameriprise with five years of industry experience. She holds the Series 66 designation and previously worked at Scarborough Capital Management and Solomonwood. Outside of her advisory role, she is involved with River Hills Consulting Services, LLC as a case manager and paraplanner. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Andrew Phillips is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and nine years of industry experience. He previously worked at Foresters Financial Services and Live Nation before joining Ameriprise. Phillips also manages an advisory business through River Hills Consulting Services, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, supported by proprietary research and third-party analysis.