Charles Stamm is a financial advisor at MassMutual Investors Services with 18 years of industry experience. He holds Series 65 and Series 63 licenses and has been with MML Investors Services Inc and MassMutual Life Insurance Company since 2010. MML Investors Services, LLC operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning programs and educational seminars, using firm-approved tools to deliver written recommendations tailored to client goals.

Daniel Chilcoat is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he is involved in property management through 1331 Property, LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Jordan Banks is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at Bank of America, JPMorgan Chase Bank, and Truist Financial. Banks also has experience with Western Governors University and the University of Maryland - College Park. Merrill 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, pension plans, corporations, and charitable organizations.

Robert Turner Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has worked at Wells Fargo since 2016 and previously spent a year at UBS Financial Services. Wells Fargo Advisors is a national firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm operates at scale with over 14,000 advisors and $671 billion in assets under management, offering both brokerage and advisory solutions.

Thomas Johnson is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes multiple roles within Wells Fargo entities since 2017. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services using proprietary research and tools, and integrates advisory services with other financial products and referral channels.

Paul Baader is a financial advisor at Osaic with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at MML Investors Services and MassMutual Life Insurance Company for 13 years. Baader is also a financial planner at Heritage Financial Consultants, LLC, where he provides investment and insurance services. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services utilizing model-based asset allocation, portfolio optimization, and a variety of managed portfolio options delivered through a complex network of affiliated broker-dealers and investment advisors.

Nicholas Steier is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Wells Fargo Clearing, and Truist Investment Services. Outside of his role at Wells Fargo Advisors, he owns and manages Steier Wealth Management, LLC, and Steier GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and special-needs analysis, delivered through tailored recommendations supported by Wells Fargo research and planning tools.

Yong Lee is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America N.A. since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jillian Magiros is a Series 66-credentialed financial advisor with Morgan Stanley in Lutherville, MD, where she has worked since 2015. She has three years of industry experience. 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 and financial planning services supported by structured discovery tools and investment modeling techniques.

Nicholas Ibello is a CFP® professional with 13 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Commonwealth Financial Network and Williams Asset Management. Outside of his primary advisory work, he is involved in an insurance brokerage and operates a business entity for tax and investment purposes. 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 financial planning and investment management solutions, including access to third-party asset managers and institutional platforms, supported by a large network of advisors and advanced operational tools.

Joshua Cramer is a financial advisor with Osaic Wealth, holding a Series 66 designation and 26 years of industry experience. He previously worked at Invest Financial Corporation for six years and has operated Cramer Financial Services since 1999. Outside of advising, he volunteers as a recreational league coach with the Freedom Area Rec Council. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools, and it is known for its scale, complex affiliate network, and recent consolidation activity.

Cody Allison is a CFP® professional with 12 years of industry experience, currently advising at Raymond James Financial in Hunt Valley, MD. Prior to joining Raymond James, he spent over a decade at Northwestern Mutual in various capacities. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through an affiliated municipal advisor.

Jacob Lanford is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2007. Outside of his advisory role, he is also a licensed agent involved in life, health, group life, group health, disability income, and long-term care insurance through Lenox Advisors Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses analytical tools and provides event-driven planning services, including specialized offerings such as divorce and estate-settlement planning.

Zane VerBrugge is an Investment Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Financial Representative at Fidelity Investments from 2022 to 2023. In his current position, Zane focuses on understanding the unique financial situations of his clients to collaboratively develop financial plans aimed at meeting their future goals and addressing their concerns. Zane leverages the comprehensive investment resources available through Fidelity Investments to assist clients in navigating their financial journeys. His approach centers on becoming familiar with each client's individual financial story to provide tailored investment solutions. Outside of his professional work, Zane has interests in baseball, beach activities, fitness, football, running, and scuba diving.

Timothy Flynn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Avantax Investment Services and Avantax Insurance Agency prior to joining Cetera. Outside of advising, Flynn is involved with Free State Tax Associates, where he provides tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party managers through a multi-manager platform with discretionary and non-discretionary programs.

Todd Roop is a financial advisor with Morgan Stanley Wealth Management in Lutherville, MD, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include positions at Raymond James & Associates and BNY Mellon. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Samuel Downs is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has two years of industry experience. Prior to joining Equitable Advisors, he held roles at Idaho Falls Chukars, UMBC, Monrovia Mart, Food Lion, US Business Service, Stevenson University, and Linganore High School. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party solutions through a broad network of Investment Adviser Representatives.

Leah Ruffner is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has been with Merrill since 2007, totaling over 16 years in various roles within the firm. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christopher Hayburn is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having 32 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Citigroup Global Markets, and Legg Mason Wood Walker. He is the owner of Hayburn Wealth and Asset Management, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services. The firm employs research and planning tools to develop tailored recommendations across various financial needs, including retirement, education, and specialized planning such as business-owner transitions and special-needs analysis.

Julie Frantz is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior work includes roles at RBC Capital Markets, Wells Fargo Clearing, and Brown Advisory Securities. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, delivering tailored financial planning supported by firm-approved tools and a broad array of investment services.