Richard Farrell Jr. is a financial advisor at Cambridge Investment Research Advisors with 32 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. His prior experience includes roles at Nationwide Investment Services Corporation and Transamerica Capital LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and other retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through independent Financial Professionals and employs a variety of investment implementation strategies across multiple platforms.

Jeffrey Tindall is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 66 licenses and having 19 years of industry experience. He has been with Equitable Advisors since 2006 and previously worked with Axa Advisors, LLC. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party investment solutions.

Evan Horn is a CFP® professional with 25 years of industry experience. He has worked at Osaic since 2025 and previously spent 24 years with Lincoln Financial Advisors. Outside of his advisory role, he is also involved in insurance sales, offering fixed insurance and annuity products to clients. OSAIC serves a diverse range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a large network of advisors, using asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

William Bush III is a financial advisor with LPL Financial in Ellicott City, MD, holding a Series 66 designation and 21 years of industry experience, all with LPL. He is also involved with BD Wealth Management, LLC, a separate investment-related business affiliated with LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by various operational and research tools.

Adam Gelcich is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 designations and possessing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2020, and previously was with Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, and it offers a broad range of retail and institutional investment solutions.

Timothy Lott is a Series 66-licensed financial professional with 22 years of industry experience, currently affiliated with Cetera and a partner at Paved Wealth Partners, LLC. He has prior experience with Avantax and 1ST Global Advisors and is also a CPA partner at N/L Healthcare Advisory Accounting & Tax LLC, providing accounting and business advisory services. 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 diverse portfolio management and financial planning solutions, overseeing more than $256 billion in assets.

David Sheusi is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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.

John Fuggi is a financial advisor at Robert Baird & Co. with 14 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Franklin Distributors LLC and Legg Mason & Co LLC. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pension plans, and charitable organizations. The firm offers a range of financial planning and portfolio management services, utilizing both manager-traded and model-traded strategies, as well as tax management and direct indexing.

Arnoldo Lezama is a financial advisor with Merrill, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America and Mercedes-Benz of Hunt Valley. Outside of his advisory duties, he is involved as a general partner in an HR consulting firm based in Aberdeen, Maryland. 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 institutional investors.

Jessica Chicorelli is a financial advisor with Charles Schwab in Elkridge, MD, holding a Series 66 designation and four years of industry experience. Prior to joining Schwab in 2022, she spent 15 years at Akin Gump Strauss Hauer & Feld. Charles Schwab & Co., Inc. 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 combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers a multi-asset investment approach supported by centralized custody and operational infrastructure.

Brittany Stafford is a financial advisor at Robert Baird & Co. with Series 63 and Series 66 licenses and one year of industry experience. Prior to joining Baird in 2021, she worked in education for several years at Howard County Public Schools and Shappard Pratt: The Forbush School. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management department that serves individuals, corporate clients, and charitable organizations using a range of financial planning, portfolio management, and custody services. The firm employs a mix of manager-traded and model-traded strategies and incorporates internal research and technology, including artificial intelligence, in its advisory process.

Rachel Burk is a financial planner with Cetera, holding a Series 66 designation and three years of industry experience. She has worked at several financial services firms, including Kestra Advisory and Offit Advisors. In addition to her advisory role, she is an intake coordinator at The Naomi Center, a mental health care provider. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and various program structures, with over $256 billion in assets under management and a network of more than 10,000 advisors.

William Dorr is a financial advisor at Mass Mutual Investors Services with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mass Mutual Investors Services since 2017. Dorr also serves as an insurance agent specializing in life insurance, property/casualty, health, and fixed annuities. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning relationships using firm-approved analytical tools and offers various specialized planning programs and educational seminars.

William Koras is a CFP® professional with 30 years of industry experience, currently with Morgan Stanley. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets and Legg Mason Wood Walker. He serves as a trustee and co-trustee on multiple trusts in Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning services and manages approximately $2.74 trillion in client assets.

Bonnie Krosin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and modeling tools, with clients responsible for plan implementation and updates.

Katherine Heisler is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 11 years of industry experience. She has worked at Morgan Stanley Services Group Inc. and Morgan Stanley Smith Barney since 2017, with prior experience at KCD Financial, Inc. and Freedom Investors Corporation from 2014 to 2017. Morgan Stanley Wealth Management provides a variety of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through corporate financial planning agreements.

John Webster is a financial advisor with MassMutual Investors Services, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked at MassMutual and its affiliates since 2008 and previously held roles at Citigroup Global Markets and Deutsche Bank Securities. Outside of his advisory work, Webster coaches lacrosse through the Webster Lacrosse Academy. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and a range of asset management programs.

Huston Collison is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and planning services through its broad platform.

Heidi Locastro is a financial advisor at Fidelity with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Merrill, PNC Investments, Mass Mutual Investors Services, and Metlife Securities. She has been with Fidelity in various capacities since 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios composed of mutual funds, ETFs, and ETPs.

Beth Terry is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing financial solutions and personalized wealth management strategies for high net worth individuals, families, and businesses. She focuses on building relationships with clients to understand their risk tolerance, time horizon, liquidity needs, and overall investment goals, enabling her to offer tailored advice across all areas of their wealth management. Beth has been working in the financial services industry since 2006. She holds a Bachelor's Degree from the University of Georgia, where she studied Family Financial Management. Beth is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Series 7, 31, and 66 FINRA registrations. She is also recognized as a Personal Investment Advisor (PIA) and is affiliated with Merrill Lynch. In addition to her professional work, Beth supports community organizations including UMAR, Marian House, and the Boys and Girls Clubs. Her personal interests include boating, golfing, reading, spending time with family, and playing tennis.