Alexander Johnson is a CFP®-certified financial advisor with nine years of industry experience, currently with UBS Financial Services since 2021. He previously worked at The Vanguard Group, Inc. for four years and Dakota Funds Group for one year. Johnson also attended Saint Joseph's University from 2013 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, including fiduciary financial planning and capital markets operations.

Nicole Wilson is a Series 66-licensed financial advisor with six years of industry experience. She is currently with LPL Financial and previously worked at Cambridge Investment Research Advisors, Janney Montgomery Scott, and Advanced Financial Consultants. Outside of her advisory role, she is involved in tax preparation and accounting through Advanced Tax, Accounting & Software Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of over 22,800 advisors.

Russell Priddy III is a financial advisor with Ameriprise in Shrewsbury, PA, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and PNC Investments. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Grenagle Jr. is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. He has worked at Merrill and Bank of America since 2014. 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.

Julia Zimmermann is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 66 designations and 18 years of industry experience. She has been with Ameriprise since 2015, having previously worked at Cambridge Investment Research Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning focused on income sources and tax-aware withdrawal strategies.

Melissa Harbold is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been a financial advisor since 2004, focusing on areas including family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Melissa earned her Bachelor of Business Administration degree from Loyola College in Maryland and became a CERTIFIED FINANCIAL PLANNER® practitioner in 2008. She holds additional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is involved in multiple professional and community organizations, serving as the current chair of the Port Deposit Historic Area Commission and a member and past president of the Chesapeake Professional Women's Network. She also participates with the St. Margaret School Home and School Association. Melissa is married and has two children.

C Emmerson Small is a CFP® professional affiliated with Wells Fargo Clearing, with 42 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC, as well as thirteen years at Morgan Stanley DW Inc. 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

Amy Sommers is a financial advisor at Raymond James Financial with five years of industry experience. She holds a Series 66 designation and has previously worked at firms including Marshall Financial Group, Purshe Kaplan Sterling Investments, and Merrill. Prior to her financial career, she was employed at the U.S. Attorney's Office for the District of Maryland and the Maryland Department of Health. Outside of her advisory role, she supports operations at ClearPlan Wealth Management as a registered client service associate. 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, pension plans, corporations, and institutions. The firm emphasizes non-discretionary, tailored planning using analytical tools and supports clients through advisory programs and institutional consulting.

Adam Freeland is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 20 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory work, he serves as president and independent insurance agent at Harford Financial Group. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a wide range of clients, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals, providing tailored investment solutions across various custody platforms and discretionary options.

Gerard Caswell is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a platform offering custody, underwriting, and capital markets services.

Katherine Muscatello is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., she has worked in various roles including at Navient Solutions, Wake Forest University, and Redeemer Presbyterian Church Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Brandon Cawley is a CFA® charterholder affiliated with OSAIC in Hunt Valley, MD, with three years of industry experience. His prior roles include positions at Lincoln Financial Advisors, Campbell Wealth Management, and New Century Advisors. OSAIC serves a diverse client base of retail and institutional investors through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct portfolios across various investment types.

Michael Ferris is a financial advisor with LPL Financial in Hunt Valley, MD, holding the ChFC® designation and securities licenses Series 63 and Series 65. He has 10 years of industry experience, including prior roles at Mass Mutual Investors Services and Northwestern Mutual. Outside of his advisory work, Ferris is involved in managing a family-owned farm in Kennedyville, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and asset management solutions, utilizing various model portfolios and customized strategies.

William Summers is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and four years of industry experience. His prior roles include positions at Wells Fargo Clearing and Nexus Systems, LLC. In addition to advising, he works as an insurance broker specializing in life, disability, long-term care, fixed annuities, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides comprehensive financial planning, asset management, and educational seminars, utilizing firm-approved tools to deliver detailed, goal-based recommendations through ongoing client relationships.

Eric Shadoff is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2012 and City National Bank since 2017. Outside of his advisory role, he is an active owner involved in the maintenance of a rental property. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with customized investment strategies implemented through a combination of in-house and third-party managers.

Brian Davies is a financial advisor at Wells Fargo Advisors with seven years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James & Associates and Founders Financial. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored client recommendations.

Cristina Kothari is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at LaSalle Investment Management Securities, LLC and Lincoln Financial Advisors, Inc. She is also an Associate Director at Maller Wealth Advisors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct portfolios across various asset classes.

Benjamin Kellar is a financial advisor at UBS Financial Services Inc. with six years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley. Kellar has been with UBS since 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research to tailor investment strategies to client goals and risk tolerances.

Matthew Conant is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. Prior to joining UBS in 2021, he worked for seven years at The St. Paul's Schools. He serves as Treasurer for St. John the Baptist Episcopal Church in York, PA, where he manages the church’s financial affairs and coordinates with its Finance and Investment Committee. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary capital market research and model-based asset allocations to tailor financial plans and portfolio management services. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory programs.

Scott Ensor is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools with modeling techniques to support its financial planning process.