Evan Downey is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets LLC since 2011. Outside of his advisory role, he serves on the board of directors for Athletes Serving Athletes, a charitable foundation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Landon Schabes is a financial advisor at Wells Fargo Clearing with Series 65 and Series 66 credentials and one year of industry experience. His prior work includes roles at Uniqlo, Florida Financial Advisors DBA Tristate Financial Advisors, and The Orchard Restaurant. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven, grounded in modern portfolio theory, and includes discretionary options with a broader set of financial product offerings than typical for large institutional advisers.

Christopher Schipske is a CFP® with 26 years of industry experience, currently with Cambridge Investment Research Advisors since 2010. His prior roles include positions at Prostatis Financial Advisors Group and Asset & Financial Planning, Ltd. He is also the owner of Athlon Tax Services, providing tax and small business consulting. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent financial professionals, utilizing a range of portfolio management and model-based solutions.

Gregory Gann is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 66 credentials and having 32 years of industry experience. He previously worked at Transamerica Financial Advisors and is a licensed attorney in Maryland, although he is not currently practicing law. Gann is also an author and freelance writer, having published a booklet titled "Your Investment Time Bomb" and contributed occasionally to Proactive Advisor Magazine. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Joshua Fredricks is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in supporting corporate executives, business owners, and affluent families. He brings over 25 years of experience focused on asset and liability management to assist clients in planning for and achieving personal financial goals through collaborative relationships. Josh's expertise encompasses corporate executive services, executive and equity compensation, family wealth management strategies, legacy and philanthropic planning, tax minimization, and personal retirement planning. He is part of The Cunningham/Fredricks/Otten Group, which offers comprehensive services including investment and retirement planning, pre- and post-IPO planning, concentrated stock strategies, and private business succession and transition planning. He holds a Bachelor of Science degree in Finance and Small Business Management from the University of Colorado Boulder and has earned the Chartered Retirement Planning Counselor designation. Joshua has been recognized on the Forbes "Best-in-State Wealth Advisors" list for multiple consecutive years. His personal interests include golfing, ice hockey, music, spending time with family, tennis, and traveling.

Tyler Gillies is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. His work history includes roles at Securian Financial Services, Financial Advantage Associates, and Minnesota Life Insurance Company. Gillies has been with Cetera and its affiliated entities since 2023. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that combines affiliated model portfolios, third-party managers, and customized strategies.

Amit Thakkar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His career includes multiple roles within Wells Fargo entities since 2011 and a brief tenure at Edward Jones in 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joshua Berry is a Financial Advisor with Merrill Lynch Wealth Management. He emphasizes a holistic wealth management approach that begins with understanding each client’s unique financial situation and values. Joshua develops personalized strategies designed to adapt to changing needs and market conditions, leveraging Merrill's investment insights and the banking capabilities of Bank of America. Joshua holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Virginia Polytechnic Institute & State University. He is actively involved in his community, volunteering with local youth organizations such as Hilltop Elementary School. Outside of work, Joshua enjoys fishing, football, and spending time with his family.

Jennifer Calara is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. She has seven years of industry experience, including prior roles at Farmers Financial Solutions and Allstate Insurance. Outside of her advisory work, she owns and operates The Calara Agency, which provides property and casualty insurance as well as Medicare insurance services. 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 client relationships and goal-based recommendations.

Patrick Gibbons is a financial advisor with LPL Financial, holding a Series 66 credential and over 23 years of industry experience. Prior to joining LPL Financial in 2019, he spent 16 years at Northwestern Mutual in various capacities including wealth and investment management. He serves as finance committee chairperson for Emory Church and is a board member of the Construction Finance Association, both nonprofit organizations. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms supported by advanced operational tools and manages over $819 billion in discretionary assets.

Laura Gonzalez Portillo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2013. 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 developed by internal and third-party managers.

Bilal Colbert is a financial advisor with LPL Financial in Hanover, MD, holding a Series 66 designation and 11 years of industry experience. His career includes roles at Tower Federal Credit Union, E*TRADE Securities, TD Ameritrade, Bank of America, and Merrill. He also operates Tower Wealth Management, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by tools such as machine learning for operational assistance.

Chris Varlotta is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, following a 15-year tenure at METLIFE Securities Inc. Outside of his advisory role, Varlotta is involved as a co-owner in Tidecreek Planning, LLC. 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, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and facilitates ongoing, collaborative planning engagements with clients.

Kelley Fant is a financial advisor with RBC Capital Markets in Columbia, MD, holding a Series 66 designation and 17 years of industry experience. Fant has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, and provides a range of portfolio management, financial planning, custody, and brokerage services.

Jeffrey Byrnes is a Senior Financial Advisor at Merrill Lynch Wealth Management and a co-founder of The Byrnes, Hollander Group, a boutique-style multi-generational wealth management team. He specializes in helping clients navigate complex financial decisions with clarity and confidence, focusing on wealth accumulation, preservation, and legacy planning for future generations. His team's services encompass a range of areas including wealth planning, investment management, income and liquidity management, credit and lending, estate planning, social security maximization, wealth transfer, and philanthropy. Jeffrey holds a Bachelor's degree from Salisbury University, where he studied Finance and Information Systems and participated as a student-athlete on the men's soccer team. He carries professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Over his career, he has been recognized on Forbes' Best-in-State Wealth Advisors and Best-in-State Next Generation Wealth Advisors lists for multiple consecutive years, as well as on the Best-in-State Wealth Management Teams list as a member of The Byrnes, Hollander Group. In addition to his professional work, Jeffrey is involved in community service, including support for a dog shelter. He speaks both English and Spanish and is engaged in several professional organizations such as the Bloomberg Essentials Training Program, Financial Management Association, National Society of Leadership & Success, Salisbury University Men's Soccer Alumni, and the Student-Athlete Mentorship Program. He resides in Bethesda, MD, with his family and enjoys activities including traveling, golf, and supporting local sports teams.

Celvin Reyes Ramos is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, N.A., Merrill, PNC Bank, and PCC Wireless. 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, offering a range of model-based and discretionary investment strategies.

Damion Dengler is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has been with LPL Financial since 2003. 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 offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice implemented through discretionary or non-discretionary strategies.

Anthony Palma is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Bank, NA, Anderson Merchandisers, and several educational institutions including the University of Maryland Global Campus and Prince George's Community College. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Juergen Dietrich is a financial advisor at Wells Fargo Clearing with 38 years of industry experience. He holds the Series 63 designation and has worked at Wells Fargo Advisors and A.G. Edwards & Sons, Inc. prior to his current role. Dietrich is based in Columbia, Maryland. 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 roughly $671 billion in assets through a large network of advisors and offers both brokerage and advisory solutions.

Matthew Larson is a CFP® and holds a Series 66 license, with eight years of experience in the financial industry. He is currently with OSAIC and previously worked at StoneBridge Advisors and the University of Maryland College Park. OSAIC serves a wide range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to various investment platforms, utilizing asset-allocation tools and risk assessment to manage diversified portfolios.