Justin Cooper is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and bringing 10 years of experience. He has worked at Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he is the owner of C.M. First Venture LLC, a company that rents portable chargers to users of handheld devices. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Alexander Johnson is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Bank of America, N.A. Outside of his advisory role, Johnson owns a music production and engineering business, Supernova Sonic LLC. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and charitable organizations.

Charles Hall is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Outside of his advisory role, he is an active owner and partner in Dunmanway Management LLC, a family limited liability company. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charities, offering multiple advisory programs with discretionary and non-discretionary portfolio management and financial planning. The firm utilizes both in-house and third-party investment managers and provides tailored strategies based on client risk profiles.

Mark Peloquin is a Planning Consultant at Fidelity Investments, a position he has held since 2022. He focuses on assisting clients with investing, asset allocation, financial planning, and holistic planning through retirement. Prior to joining Fidelity, he worked as a Financial Consultant at TIAA from 2013 to 2022. Mark enjoys getting to know clients and helping them navigate complex financial decisions. He works with the Fidelity team to leverage their extensive experience in the field. Outside of work, Mark has interests in baseball, football, music, puzzles, running, and soccer.

Natalie Velleggia is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2023. She has been with Fidelity Investments since 2015, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Natalie's work focuses on guiding clients and their families through financial decisions and life transitions by developing personalized plans that align with their goals and vision of financial success. She emphasizes understanding client objectives to customize pathways to meet their financial needs. She holds a California Insurance License.

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.

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. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed account programs, and municipal advisory services.

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 Series 63 and Series 65 credentials and four years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, NYLife Securities LLC, and New York Life Insurance Company. Outside of finance, he was involved with Chef Mikko LLC for five years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated insurance and trust services.

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.

Amy Boland is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and nine years of industry experience. She has been with Ameriprise and its affiliated entities since 2012. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes a written Recommendation Report and ongoing annual advice focused on income sources and tax-aware withdrawal strategies. The firm’s retirement income service combines proprietary research and third-party data within a defined investment framework and maintains restrictive enrollment criteria based on asset levels.

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.

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.

Brent Kvech is a Series 66-licensed financial advisor with 24 years of industry experience. He has been with LPL Financial since 2024, following a 22-year tenure at Lincoln Financial Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm offers a broad range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

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.

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.