James Holzapfel is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 53 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following prior positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of financial advising, Holzapfel is involved in several community and recreational ventures, including serving on the finance committee of St. Marks Episcopal Church, holding leadership roles at the Washington County Museum of Fine Art, participating on the advisory board for the University System of Maryland at Hagerstown, and managing local baseball-related businesses. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs and tailored financial planning services. The firm uses structured planning tools and investment research to develop client plans and offers a variety of investment and financial product solutions across retail and institutional sectors.

Kenneth Holzapfel is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors/Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Cameron Baumgardner is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 66 designation. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2025 and previously worked at Guidehouse from 2023 to 2025. Cameron has no prior industry experience before joining the financial sector. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and serves clients through a combination of direct and corporate financial planning agreements.

Karen Dattilio is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2020. Her previous roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and modeling tools to help clients develop tailored plans.

William Holzapfel is a CFP® and holds a Series 66 license, with eight years of experience in the financial industry. He currently works at Morgan Stanley and has prior experience at Wells Fargo Clearing and Cambridge Associates LLC. Holzapfel serves as a board member on the finance committees for both the Maryland Symphony Orchestra and the Community Free Clinic of Washington County. 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, including customized financial planning leveraging firm-approved tools and modeling techniques.

Bonita Yetter is a financial advisor at Morgan Stanley with 16 years of industry experience. She has held positions at RBC Capital Markets, LLC from 2009 to 2021 before joining Morgan Stanley in 2021. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by proprietary tools and models, managing approximately $2.74 trillion in client assets.

David Handler is a financial advisor with Morgan Stanley in Hagerstown, Maryland, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as Treasurer for the Hagerstown Fire Police Association and is a member of the Finance Committee at the Hagerstown Aviation Museum. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and its Estate Planning Strategies Group.

Bradley Ciucci is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 20 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, employing structured planning tools and models while managing approximately $2.74 trillion in client assets.