Jane Benjes is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and previously worked at Clearwater Management, Inc. from 2015 to 2017. Jane also has experience at Towson University between 2013 and 2016. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Kim is a financial advisor at Equitable Advisors with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including J.P. Morgan Securities and T. Rowe Price Investment Services. He is also appointed as an agent to sell non-securities insurance products for AGIA. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement consulting, and asset management programs through its network of Investment Adviser Representatives. The firm utilizes a combination of proprietary and third-party advisory models and offers a range of investment options including mutual funds, ETFs, and alternative investments.

Nasser Ali is a CFP® and CFA® with 30 years of industry experience. He is currently with Osaic Wealth and has prior experience at Lincoln Financial Advisors, Lincoln Financial Securities Corporation, and Legg Mason Wood Walker. He also serves as an investment trustee for family trusts and is involved with Heritage Financial Consultants as Director of Investment Management and as a financial advisor. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, unified managed accounts, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and multiple custodial and legacy program arrangements.

Cindy Hyde is a financial advisor at Morgan Stanley Wealth Management with nine years of industry experience. She holds a Series 66 designation and has previously worked at Wealth Enhancement Brokerage Services, LPL Financial, and Vintage Financial Partners. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using firm-approved tools and methodologies.

Andrew Piet is a financial advisor at Merrill with 15 years of industry experience. He previously worked at Wells Fargo Bank NA and Wells Fargo Clearing from 2017 to 2022, and BB&T Investment Services, Inc. from 2016 to 2017. Outside of his advisory role, he serves as Treasurer and Board Member for the Reisterstown Kiwanis Foundation, a charitable organization focused on child welfare. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ronald Mitcherling Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Charles Ransom is a CFP® professional with four years of industry experience, currently affiliated with MassMutual Investors Services. He has worked at MassMutual Investors Services since 2021 and also has experience with ClearView Wealth Advisors and NY Life Securities. Outside of finance, he is a part owner of Website Whales LLC, a website design business. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning, asset management, and educational seminars to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and provides a variety of event-driven planning services.

Henry Pitts is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and 10 years of industry experience. He has been with both Bank of America, N.A. and Merrill since 2016. Outside of finance, Pitts owns Voycewerx Media, a voice-acting and recording business focused on audio work for commercials. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to individuals, high-net-worth clients, and institutional investors. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, with features tailored to tax sensitivity and client restrictions.

Stephen Rafter is a financial advisor with LPL Financial in Linthicum, MD. He holds Series 63 and Series 66 credentials and has 16 years of industry experience. His prior roles include positions at Merrill, Charles Schwab, Edward Jones, and PNC Wealth Management. Outside of his advisory work, he is employed as a server and bartender with Atlas Restaurant Group. 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, third-party asset management, and institutional platforms.

Jacklyn Borkman is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 65 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide array of advisory programs, including tailored financial planning that employs structured discovery and firm-approved planning tools.

John Austin is a financial advisor at Cetera with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and affiliated firms since 2013. He also serves as a parish council member at St. Louis Catholic Church in Clarksville, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and both affiliated and third-party money managers.

Holly Huber is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price and Sheffield Financial. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sasha Howard is a financial advisor at Merrill with Series 66 credentials and three years of industry experience. Their work history includes roles at Bank of America and InstaCart, as well as operating a personal business, Sasha Geneva Howard LLC, from 2020 to 2021. 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.

O Emmanuel Adepoju Grace is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and previously worked for Citizens Securities, Inc. for eight years. Outside of his advisory role, he is the author of the book *The Roadmap of the Gospel of Jesus*. 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 a range of brokerage and advisory solutions supported by research and analytics.

Michael Dunn is a financial advisor at RBC Capital Markets with one year of industry experience. He holds a Series 66 designation and has previously worked at Planet Home Lending, Morgan Stanley, Universal Appraisal Services, Wells Fargo Advisors, and McDaniel College. RBC Wealth Management serves individual, institutional, corporate, and charitable clients with a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, offering features such as tax management and responsible-investing options.

Robert Bussells is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2015. 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, including tailored financial planning that incorporates firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Paul Hofmann is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He worked at UBS Financial Services from 2010 to 2021 before joining Wells Fargo Advisors in 2021. Outside of his advisory work, he serves as a trustee for his father's trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting certain net-worth thresholds, using proprietary research and planning tools to deliver customized recommendations.

Edward William Kissinger is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has worked at RBC Capital Markets since 2017 and previously spent 16 years at Sanders Morris Harris Inc. His current role includes affiliation with City National Bank beginning in 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and integrates both in-house and third-party investment resources.

Kristopher Johannssen is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Edwin Bergen II is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and municipal entities, offering financial planning and investment consulting primarily through non-discretionary advisory programs.