James Spies III is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors and MML Investors Services/Mass Mutual. Outside of his advisory role, he is a partner in a brewery business, Makers House, LLC, where he has a consultative role. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors. The firm offers a range of integrated financial services and employs various portfolio construction tools and third-party platforms to support customized investment management.

Randolph Roulette is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has 26 years of industry experience, including prior roles at Bank of America and Merrill. He is based in Lutherville, MD. 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.

David Repko is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns businesses involved in consulting and education infrastructure and is the owner of Aiken Racing Management, a consulting business. Ameriprise serves individuals approaching or in retirement, offering a specialized retirement-income planning service that integrates research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm supports clients with a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Charles Bostwick II is a financial advisor at LPL Enterprise with five years of industry experience. He holds Series 66 and Series 63 designations and has worked at LPL Enterprise since 2025. Prior to that, he has been with American Family Insurance since 1993. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products via its integrated platform.

Richard Craft Jr. is a CFP® and ChFC® with 12 years of industry experience, currently serving at LPL Financial since 2024. He previously worked at Lincoln Financial Advisors for 10 years. Outside of his advisory work, he is a business owner of Guilford Brewing, LLC and Moodys Place. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support from various sources.

Stephanie Livingston Alper is a financial advisor at LPL Financial with 10 years of industry experience. She has held roles at LPL Financial since 2018 and previously worked at INVEST Financial Corp. from 2015 to 2018. Outside of her advisory work, she is the owner and president of Livingston Tax Solutions and a managing partner of EliteProcure, LLC, an equipment supplier for contractors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and services, including financial planning, retirement plan consulting, and brokerage services, with access to model portfolios and research from multiple sources.

Brett Moritz is a Wealth Management Advisor with more than 25 years of experience serving multiple generations of clients nationwide. He specializes in creating personalized wealth management strategies that align with clients’ real-world objectives. Brett emphasizes a disciplined process and clear communication to help clients navigate various market conditions and make informed financial decisions. His approach involves understanding each client's unique goals through meaningful conversations and offering straightforward advice tailored to their long-term plans. Brett holds a Bachelor's Degree from the University of Nebraska System and has earned several professional credentials, including Certified Investment Management Analyst (CIMA), Certified Investment Management Consultant (CIMC), and Personal Investment Advisor (PIA). He is affiliated with Merrill Lynch Wealth Management and emphasizes personalized service and collaboration in his practice. Outside of his professional work, Brett volunteers in his community and enjoys activities such as cooking, football, gardening, hiking, hunting, reading, swimming, and spending time with his family.

Scott McIntyre is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes roles at Equity Fund Advisors and Cole Capital Corporation. Outside of advising, he is involved in volunteer youth wrestling and operates as an independent insurance agent and tax preparer. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm supports a range of investment approaches through various platform arrangements and offers both proprietary and third-party strategies.

Kevin Kavanagh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 49 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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 approach is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial product options than typical large institutional advisers.

Connor Respass is a financial advisor with Merrill, holding Series 66 and Series 63 designations and beginning his advisory career in 2026. Prior to joining Merrill, he worked at T Rowe Price from 2024 to 2026 and has teaching experience at the University of Maryland Global Campus and McDaniel College. He is also involved with JCC Owings Mills, a community organization. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, and other institutional investors. The firm operates within Bank of America’s platform, providing access to a broad set of products and services.

Matthew Kunkel is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds the CFP® and Series 66 designations and has been with RBC Capital Markets LLC since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client's risk profile.

Jonathan Kalu is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Christopher Brazfield is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 licenses and 13 years of industry experience. He has been with Primerica Advisors since 2012 and also has concurrent experience with the Department of Defense since 2011. Outside of his advisory role, Brazfield has involvement in sales of loan products and home-related services through affiliated Primerica companies. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, operating at scale with nearly 3,700 advisors and $15.5 billion in assets under management. The firm’s program emphasizes model-based investment strategies overseen by third-party managers and focuses on individual investors rather than institutional clients.

Laura Diamond is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011 and has 18 years of experience with Meadowbrook Pool outside of her advisory role. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Frederick Casper Jr. is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he owns a retail business called FCE Imaging in New Market, Maryland. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets, providing written, non-discretionary recommendation reports focused on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and automated tools overseen by committees to support advisors in delivering tailored retirement income advice.

Shawn Halsey is a financial advisor with Morgan Stanley, holding a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent 12 years with Bank of America and Merrill. Outside of his advisory role, he serves on the Investment Committee as a board member at York College of Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Joseph O’Rourke is a CFP®-certified financial advisor with seven years of industry experience. He is currently with LPL Financial, having joined in 2026, and previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA from 2019 to 2026. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Joel Cohn is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and formerly at Citigroup Global Markets. Outside of his advisory role, he serves as a board member of Beth Tfiloh Synagogue, engaging in fundraising activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Kyle Tosh is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Enterprise. His prior experience includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Tosh serves as a board member of the Rising Sun Chamber of Commerce, contributing to community activities and event planning. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model portfolios, third-party asset management, and brokerage and insurance product access via an integrated platform combining adviser programs with product sales.

Zachary Mccaskill is a financial advisor with UBS Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley from 2015 to 2022 before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, including capital markets operations and affiliated banking programs.