Lydia Ruppenthal is a Series 66-licensed financial advisor with four years of industry experience. She currently works at LPL Financial and previously held roles at Raymond James & Associates, NETNA, and Signal Securities, Inc. Outside of her advisory work, Lydia is involved in social media activities with Amazon.com, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of advisors, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Laura Strosnider is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley since 2016. Strosnider is also engaged as an investment adviser with Fulton Financial Corporation, where she dedicates significant time to investment-related activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to help clients model potential outcomes.

Allan House is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Brown Advisory, Santa Barbara Asset Management, and Rittenhouse Asset Management. He serves on the Investment Committee of the Friends School of Baltimore and is a board member of the Finance Committee at The Chesapeake Bay Trust. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools and offers a broad range of investment programs and affiliated services.

Matthew Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. His work history includes roles in accounting, construction, and retail, as well as a four-year period at Towson University. He is also involved with Fusco Financial as a financial advisor in a support capacity. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored financial planning and investment consulting, employing analytical tools such as risk profiling and modeling to support client goals, and it provides specialized advisory programs including municipal finance and SIMPLE IRA employer consulting services.

Annalee Beharie is a financial advisor at Morgan Stanley in Baltimore, MD, with five years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Carly Hughes is a Financial Consultant currently working at Fidelity Investments. She has been with Fidelity since 2020, initially serving as an Investment Consultant before transitioning to her current role in 2023. Prior to joining Fidelity, Carly worked as a Financial Consultant at T. Rowe Price from 2008 to 2018. Throughout her career, Carly has focused on developing personalized financial strategies tailored to her clients' unique needs, values, and objectives. She collaborates with clients to co-create customized financial plans that address both their short-term priorities and long-term financial goals, aiming to provide confidence and clarity in their financial decisions.

Jacob Krieger is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise, he worked at Northwestern Mutual in various roles from 2023 to 2024. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically employs model-driven investment approaches and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Daniel Benkoski is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles and investment preferences.

Carl Osterman is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. He has been with Merrill Lynch Pierce Fenner & Smith since 2002 and affiliated with Bank of America since 2009. Osterman serves as a committee member on the investment committee of Broadmead, Inc., a nonprofit organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Timothy Ford is a financial advisor at RBC Capital Markets with CFP® and Series 66 designations and three years of industry experience. His prior roles include positions at City National Bank, Bank of America, Merrill, and Weyrich Cronin & Sorra. He serves as an investment committee member for Ladew Topiary Gardens, Inc. and is involved with the finance committee at Pathfinders For Autism. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides a range of advisory programs and portfolio management services to individual and institutional clients. The firm customizes investment strategies based on each client’s risk profile and utilizes both in-house and third-party investment managers to administer unified or sleeve-based portfolios.

Margo Bryant is a financial advisor at Fidelity with 30 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at Fidelity Brokerage Services LLC since 2016, including roles at Fidelity Personal and Workplace Advisors and earlier at T. Rowe Price Advisory Services, Inc. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, with distinctive activities such as regulatory registration as a commodity pool operator and advisory roles to multiple fund-of-funds.

Hailey Timeus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, she worked at the Arizona Department of Corrections. 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.

Nolan Walchko is a financial advisor at OSAIC with two years of industry experience and holds a Series 66 designation. His prior roles include positions at Lincoln Financial Advisors, StoneBridge Advisors, and Harborside Group, as well as experience at Loyola University Maryland. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process focused on asset allocation and portfolio optimization, supported by a range of discretionary and non-discretionary strategies, and is notable for its scale and complex affiliate network.

Darryl Stalter is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been with Merrill since 2019 and previously worked at Verizon Wireless from 2014 to 2019. 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 supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Alexander Johnson is a CFP®-certified financial advisor with nine years of industry experience, currently with UBS Financial Services since 2021. He previously worked at The Vanguard Group, Inc. for four years and Dakota Funds Group for one year. Johnson also attended Saint Joseph's University from 2013 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, including fiduciary financial planning and capital markets operations.

Nicole Wilson is a Series 66-licensed financial advisor with six years of industry experience. She is currently with LPL Financial and previously worked at Cambridge Investment Research Advisors, Janney Montgomery Scott, and Advanced Financial Consultants. Outside of her advisory role, she is involved in tax preparation and accounting through Advanced Tax, Accounting & Software Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Russell Priddy III is a financial advisor with Ameriprise in Shrewsbury, PA, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and PNC Investments. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Grenagle Jr. is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. He has worked at Merrill and Bank of America since 2014. 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.

Julia Zimmermann is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and 18 years of industry experience. She has been with Ameriprise since 2015, having previously worked at Cambridge Investment Research Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on income sources and tax-aware withdrawal strategies.

C Emmerson Small is a CFP® professional with 42 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to this, Small worked at Morgan Stanley DW Inc. for 13 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors.