Rashmi Dhankhar is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at various Wells Fargo entities since 2013. 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options using diversification principles and modern portfolio theory.

Kimberly Amend is a financial advisor at Morgan Stanley with 20 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has been with Citigroup Global Markets since 2006. She holds the Series 63 and Series 66 credentials. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including tailored financial planning and services informed by structured discovery processes and firm‑approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Alan Culiner is a financial advisor at UBS Financial Services with 44 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2009. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations in its advisory approach.

Stephen Solecki is a financial advisor at Merrill with 13 years of industry experience and holds the Series 66 designation. He has been with Merrill since 2012. Outside of his advisory role, he is a co-owner of a rental property in Avalon, New Jersey, with other family members. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Mason Burke is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation. He began his career at Morgan Stanley in 2024 and has prior experience in the hospitality and sports industries. Burke attended the University of Maryland from 2022 to 2025 while working in various roles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Gabrielle Schmidt is a Planning Consultant who collaborates with Financial Consultants to support clients in achieving their financial goals. She focuses on understanding each client individually to foster a unique relationship within the team. In 2022, Gabrielle worked as a Financial Representative at Fidelity Investments. Outside of her professional role, she enjoys spending time at the beach, participating in social events with friends, skiing, and traveling.

Michael Girard is a financial advisor at Equitable Advisors with a Series 66 designation and one year of experience at the firm. His prior roles include positions at Key Wealth Managers and Towson University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, utilizing both advisory and brokerage channels to deliver tailored client solutions.

John Haigler is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he co-owns an event planning business, The Vinoy Group, with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

John Troy is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Mass Mutual Investors Services. His prior experience includes roles at Guardian Life Insurance Company, Primerica Advisors, Goldman Sachs Personal Financial Management, United Capital Financial Advisers, and Girard Securities. He holds Series 63 and Series 65 licenses. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, high-net-worth clients, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars, structuring planning engagements as annual, collaborative relationships using firm-approved software tools.

Adam Hewat is a financial advisor at OSAIC with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors, AIG, and VALIC Financial Advisors. Hewat is also involved as an insurance agent with Stonebridge Advisors, selling and servicing various insurance products. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios constructed using asset-allocation tools, risk assessments, and managed account solutions.

Patrick Taylor is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2006. In addition to his advisory role, Taylor is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure for its investment solutions.

Ana Geller is a financial advisor at Robert W. Baird & Co. with 26 years of industry experience. She has been with Robert W. Baird since 2009 and holds a Series 66 designation. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a range of investment strategies and management approaches.

Cedric Jones is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2021. Prior to this, he was employed in the automotive industry. Merrill, along 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Christopher Hicks is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith. He serves on the advisory board for Johns Hopkins Pediatric Oncology, a nonprofit focused on funding research to cure childhood cancers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to client goals and risk tolerances.

John Davis is a Series 66-licensed financial advisor with six years of industry experience. He has worked at Stifel since 2023, following three years at Chapin Davis Investments. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

John Runge is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Worthington Financial Partners, Nationwide Investment Services Corporation, and operated as a self-employed advisor. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customized investment strategies, utilizing both in-house and third-party managers, and provides comprehensive portfolio management, financial planning, custody, and brokerage services.

Juliette Smith is a Series 66-licensed financial advisor with Merrill in Columbia, MD, with 26 years of industry experience. She has been with Merrill Lynch since 1999. 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, pension plans, corporations, and charitable organizations.

Richard Nudelman is a CFP® with 24 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and 1ST Global Advisors. He is also the owner of Nudelman & Associates CPA’s LLC, providing accounting and tax services, and Columbia Financial Advisors, LLC. 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 providing discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Amanda Nickoles is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and previously worked at Capital One Bank for ten years before joining Merrill in 2018. 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 using model-based and discretionary investment strategies.

William Young is a financial advisor with Ameriprise in Baltimore, MD, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Chalice Capital Partners, Niagara International Capital Limited, and H. Beck, Inc. Outside of his advisory work, he participates in podcasts and maintains a website focused on behavioral psychology, human nature, and the psychology of money, exploring topics such as heuristics, biases, and cognitive processes. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide customized, non-discretionary recommendations through a centralized consulting team.