David Huya is a financial advisor with Primerica Advisors in Parkville, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Primerica Advisors since 2014 and also has experience with Primerica Financial Services dating back to 2010. Outside of his advisory work, he is a self-employed Tai Chi instructor. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Ronald Murphy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years before joining Wells Fargo in 2018. 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 and offers both brokerage and advisory solutions backed by research and analytics from Wells Fargo Investment Institute.

Scott Culiner is a CFP® designated financial advisor with 38 years of industry experience. He has been with Osaic since 2018 and previously worked at Signator Investors, Inc. for 31 years. He is also a licensed Notary Public in the state of Maryland. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Carla Carpenter Breeding is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 23 years of experience as a business owner and therapy practice specialist, focusing on the financial needs of business owners and health care professionals, including financing, succession planning, and employee benefits. She utilizes her health care background to provide clients with expertise in longevity planning and considers how health, family, and home changes relate to their financial situations. Carla holds a Master's degree from Shenandoah University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a member of The AJC Group, which integrates more than 60 years of experience in financial services. Her client focus areas include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, and women and wealth. Outside of her professional role, Carla is involved in community activities such as Access Carroll, Taste of Carroll, and the worship team at Lifepoint Church. She resides in Westminster, MD with her husband and two sons and enjoys activities including biking, boating, golfing, music, running, singing, and tennis.

Kevin Reeg is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Edward Jones, The Huntington Investment Company, Citizens Bank, and Merrill. He is also involved with Kinnect Advisors, providing financial services, and works as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and custom strategies, managing over $256 billion in assets.

Robert Manankil is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Robert W. Baird since 2009. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients through a range of consulting and portfolio services tailored to client goals and risk tolerances.

Asher Furst is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, AsherFurst.com, and involvement with community and educational organizations such as The Voice of Lakewood and Kollel of Greenspring Inc. 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, and institutional investors.

Robert Rogers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. 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 advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Adam Hawley is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2014. Prior to his current role, he was employed at Bath and Body Works for one year. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Dale Waters Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Waters is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Raymond Sheedy is a Certified Financial Planner® with 17 years of industry experience. He is currently with Morgan Stanley, having held prior roles at Merrill and Bank of America. His recent positions include working at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models in its financial planning process.

Randall Becker is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC since 2015. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products, utilizing an integrated platform that combines advisory programs with active sales of financial products.

Brandon Hepburn is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior work includes positions at Santander Securities and PNC Bank. Outside of his advisory role, he co-owns Pro Experience, LLC, a business focusing on web design and fitness and nutrition coaching. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers customized performance reporting through its Institutional Consulting Services program.

Jordan Thompson is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked at T. Rowe Price and held various positions outside the financial sector, including roles related to global health supply chain management. 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.

Deborah Starr is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management, serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a nationwide adviser network and a range of portfolio management styles.

Jason Sarratea is a financial advisor at Morgan Stanley with 29 years of industry experience. He has held positions at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis.

Shahzib Hussain is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2017. Prior to his finance career, he was involved with Glyndon Grill and Towson University. 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 with model-based and discretionary investment strategies.

Ariel Popel is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 structured planning tools alongside advisory services.

Joan White Mccain is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 38 years of industry experience. She has been with LPL Financial since 2008. Her professional activities include sales of non-variable insurance products such as life, health, disability, long-term care insurance, and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network. The firm provides a range of financial planning and advisory services, including discretionary and non-discretionary management, supported by in-house research and third-party subadvisors.

Bruce Goodwin is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 40 years of banking and investment experience. He runs a family practice helping multiple generations achieve their financial goals through a disciplined, long-term approach tailored to each client's specific situation. Bruce provides customized financial strategies that extend beyond investing in stocks and bonds to address every aspect of his clients' financial situations. His expertise includes retirement planning strategies, trust and estate planning services in collaboration with family tax accountants and attorneys, business transition planning strategies, and individual wealth preservation and insurance planning strategies. Bruce holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bruce earned a Bachelor's Degree from the University of Pittsburgh and a Master's Degree with a concentration in finance from Loyola College. He is actively involved in his community, serving as Chair on the Finance Commission at St. Joseph Catholic Community and as a member of the Knights of Columbus. He has held positions on the Board of Directors at St. Agnes Hospital Foundation and served as Treasurer of the Reisterstown Owings Mills Glyndon Chamber of Commerce. His personal interests include golfing, spending time with his family, and watching movies.