Edward Herring Jr. is a financial advisor with Ameriprise in Hunt Valley, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of Ameriprise, he is a co-owner of J&R Juergensen Inc., a financial planning and managed advisory business. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing written recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to create personalized plans delivered by a centralized consulting team.

Edward Williams is a financial advisor at Mass Mutual Investors Services with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at NYLIFE Securities, LLC and New York Life Insurance Company. In addition to his advisory role, he is the author of the book *Wealth Building for Beginners* and founder of a consulting business advising business owners on growth strategies. 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 offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships tailored to client goals.

Christopher Kolakowski is a financial advisor at Cetera with two years of industry experience. He holds the Series 66 credential and has previously worked with First National Bank of Pennsylvania and Truist Advisory Services. In addition to his advisory role, he serves as a wealth advisor for First National Trust, collaborating with trust portfolio advisors and centers of influence. Cetera Investment Advisers LLC is an SEC-registered firm that provides portfolio management, financial planning, and retirement services through a large network of independent advisors. The firm serves individual clients, employer-sponsored plans, corporate and charitable entities, and institutional accounts, offering a multi-manager platform with a range of program structures and investment options.

Keith Levitt is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Robert W. Baird since 2009. He 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 offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet client goals and risk tolerances.

Michaela Vasquez is a financial advisor at Merrill with a Series 66 designation and nine years of industry experience. She has worked at Merrill since 2015 and has prior experience at Bank of America and Lowe's. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Eric Simning is a financial advisor at LPL Enterprise with four years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining LPL Enterprise, he worked at several firms including The Prudential Insurance Company of America, Pruco Securities LLC, and New York Life Insurance Company. Outside of finance, he was involved with Chef Mikko LLC for five years. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products, combining adviser programs with active sales of financial products.

Steve Pursley is a financial advisor with OSAIC in Timonium, MD, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He worked at Signator Investors, Inc. for 26 years before joining OSAIC in 2018. Pursley is the owner and president of Mid-Atlantic Wealth Advisors, LLC, and serves as a board member of the Greater Chesapeake Charitable Foundation. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs advanced asset-allocation techniques and provides both discretionary and non-discretionary portfolio management options.

Joseph Snee is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. Prior to joining Schwab in 2025, he worked at Morgan Stanley from 2021 to 2025 and has a background that includes time spent in education. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and due diligence on alternative investments through its centralized operational structure.

Jordan Smith is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Mariner Finance, YMCA, and Olive Garden. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Watt is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Robert W. Baird & Co. since 2009. The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pensions and profit-sharing plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies, and employs internal research and tools, including artificial intelligence, in developing client advice.

Daniel Matsunaga is a financial advisor at Charles Schwab with six years of industry experience. He holds the Series 66 designation and has previously worked at firms including Merrill, Bank of America, PNC Bank, and TD Ameritrade. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Robin Thomas is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at JPMorgan Securities LLC, JPMorgan Chase Bank, Truist Investment Services, and Bb&T entities since 2014. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Nils Nilsen is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and one year of industry experience. His prior work includes roles at Equitable Advisors, Salisbury University, and several entrepreneurial ventures. 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, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements using firm-approved tools and supports a range of specialized planning services.

John Likoudis is a financial advisor with Edward Jones in Bel Air, MD, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory work, he is an author publishing a science fiction/fantasy novel under the pen name J L Carroll. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors, offering a variety of discretionary and non-discretionary investment strategies and affiliated financial products.

Brent Kvech is a financial advisor at LPL Financial with 24 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 22 years. Outside of his advisory work, he is involved with Thabto Wealth Services, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

F. Keck is a Wealth Management Advisor and Vice President with Merrill Lynch Wealth Management based in Bel Air, Maryland. He supports clients by developing comprehensive wealth management plans focused on their overall financial picture. His primary expertise lies in retirement outcome planning, where he collaborates with clients to establish goals and implement strategies aimed at achieving their desired retirement lifestyle. As a qualified Portfolio Manager, he also builds and manages personalized investment portfolios, including individual securities and model portfolios, with discretionary management available through the firm's Investment Advisory Program. Mr. Keck holds a Bachelor of Science degree in Accounting and Finance from Towson University. He began his career in public accounting before transitioning into financial services. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is actively involved in the local community, serving as a member of the Bel Air Rotary Club and Foundation, and has held the position of Past Chair of the Harford Community College Foundation Board. Outside of his professional work, Mr. Keck enjoys spending time with his family and has personal interests that include baseball, boxing, cooking, football, ice hockey, and golfing. He and his wife reside in Forest Hill, Maryland, where they enjoy culinary activities including grilling and smoking on their outdoor equipment.

Mark Wiley is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Bank of America, Merrill, and ActioNet. Wiley is also a licensed enrolled agent providing tax services. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through a network of independent financial professionals. The firm offers a range of services including financial planning, investment management, and retirement plan advisory, utilizing both proprietary and third-party investment strategies across multiple custody platforms.

Mandy Bittner is a financial advisor at Stifel with 12 years of industry experience. She has held roles at Rice Consulting LLC and has been with Stifel since 2018. Bittner holds a Series 66 credential. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling provided by its Investment Strategy Group.

John Mccarthy III is a financial advisor with Osaic Wealth, Inc. in Hunt Valley, MD, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He previously spent 31 years with Lincoln Financial Advisors Corporation. Outside of his advisory role, he is involved with Heritage Financial Consultants, LLC, where he offers various insurance products including disability and long-term care insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing firm-provided tools and multiple investment platforms to manage portfolios.

Tony Difatta is a Series 65-licensed financial advisor with 12 years of industry experience. He has been with LPL Enterprise since 2025 and previously worked at Pruco Securities, LLC for 11 years. In addition to his advisory role, he is the CEO of Tony M Di Fatta, CPA P.C. and serves as Treasurer for the nonprofit Friends of Eric Bouchat. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a broad range of financial planning, advisory, and brokerage services supported by an integrated platform that combines adviser programs with active insurance sales and collateralized lending.