Stephen Pryor is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 registrations and bringing 34 years of industry experience. He has worked at Raymond James since 2017 and previously at RBC Capital Markets for three years. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets. The firm provides wealth advisory planning and investment consulting to a diverse client base, including individuals, pension plans, corporations, and government entities, with a notable focus on municipal and public finance services.

Christopher Rockey is a CFP® with 22 years of industry experience. He is currently with OSAIC and previously worked at Woodbury Financial Services and Capital One-affiliated firms. He is a partner at Capital Harvest Wealth Partners, providing financial planning and investment services to clients. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of advisers. The firm employs asset-allocation tools and multiple platforms to construct diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Debbie Merlos is a Series 66-licensed financial advisor with Merrill, based in Laurel, MD, and has four years of industry experience. She has been affiliated with Bank of America and Merrill since 2011, totaling 15 years at both institutions. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies. The firm serves a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries, integrating investment management with Bank of America’s broader financial platform.

Ashley Hall is a financial advisor at J.P. Morgan Securities with Series 65 and Series 63 credentials and five years of industry experience. Prior to joining J.P. Morgan Securities, Hall worked at Chevy Chase Trust and the Smithsonian Institution. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Michael Ruff is a financial advisor with J.P. Morgan Securities in Washington, DC. He holds Series 65 and Series 63 licenses and has one year of industry experience. Prior to joining J.P. Morgan Securities, he worked at Goldman Sachs & Co. LLC and Deloitte Consulting LLP. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Nicholas Ibello is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 66 licenses. He has 13 years of industry experience and previously worked at Commonwealth Financial Network and Williams Asset Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Kirby is a financial advisor at Osaic Wealth, Inc. based in Washington, DC. He holds the Series 66 designation and has been with Osaic and Athena Wealth Strategies since 2025. Prior to entering the financial industry, his background includes roles in education and service positions. Osaic Wealth, Inc. serves a broad client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing various portfolio construction tools and third-party solutions to manage a wide range of investment products.

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.

Edward Tarbutton is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 65 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2017, following six years at FBR Capital Markets & Co. He serves as a board member for the Town of Chevy Chase View, participating in the local neighborhood council. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Samuel Downs is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has held positions outside of finance, including roles at Idaho Falls Chukars and UMBC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored investment solutions.

Leah Ruffner is a financial advisor at Merrill with nine years at the firm and two years of industry experience. She holds the Series 66 designation and works in Columbia, MD. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America enables access to a broad set of products and services beyond typical investment offerings.

James Polucha is a CFP®-certified financial advisor with 25 years of industry experience. He is currently with LPL Financial and has worked with M&T Securities since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Christopher Mc Garvey is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has worked at Ameriprise since 2005, including its Financial Services division prior to 2020. Outside of his advisory role, he supports advisors in client transitions as an independent contractor for J&R Juergensen, Inc. Ameriprise offers retirement-income planning services focused on individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional providers.

Gabriela Guardia is a Series 66–licensed financial advisor at Merrill with 20 years of industry experience, all of which she has spent at Merrill since 2006. Outside of her advisory role, she is a general partner and managing member of several family-owned properties in Costa Rica inherited from her grandfather. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

James Thomas II is a financial advisor with Ameriprise in La Plata, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he co-owns Waypoint Group, LLC, a personal service corporation managing practice employment and payroll services, and serves as president of the Stone Ridge Homeowners Association board. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Gabarra is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica since 2023. Prior to his current role, he was self-employed as a consultant and has experience working with Washington Spirit Soccer. He is also involved in non-investment business activities, including consulting and referrals related to home security and automation products. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-based investment strategies developed by third-party asset managers, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Chris Cunningham is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as the Senior Resident Director of the Columbia, MD office. Since 1987, he has been helping clients pursue their financial goals through disciplined investment and retirement planning. He works with corporate executives, business owners, and affluent families to provide personalized investment advice tailored to their evolving financial needs. Chris’s expertise spans a range of areas including corporate executive services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, and investment strategy for both individuals and corporations. He applies over 40 years of combined financial services experience through the Cunningham/Fredricks Group, focusing on risk management, tax minimization strategies, private business succession planning, and advanced planning for liquidity events. He holds a Bachelor of Science in Business from Mt. Saint Mary's College and holds professional designations as a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Chris resides in Glenwood, Maryland with his wife and five children. In his free time, he enjoys golfing, sailing, boating, tennis, and supporting various charitable endeavors.

Gordon Wallace is a financial advisor at RBC Capital Markets with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill, Bank of America, and City National Bank. Wallace is associated with Wallace Management LLC, a family-held business in which he serves as a signer on the account. 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 tailored investment strategies and multiple advisory programs combining discretionary and non-discretionary portfolio management with a range of in-house and third-party investment options.

Robert Holland is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, his work history includes roles in the hospitality sector and time as a student at the University of Delaware. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing a delivery model that incorporates LPL-sponsored programs and endorsed third-party managers.