Roseanne Clingerman is a financial advisor at Morgan Stanley with three years of industry experience. She has worked at Morgan Stanley since 2022 and was previously with Sandy Spring Bank for ten years. Clingerman holds the Series 66 designation and is based in Frederick, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning through structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

William Peacock is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Suntrust Advisory Services and Suntrust Investment Services before joining Merrill and Bank of America in 2018. 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, and institutional investors.

Michael Baldecchi is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, N.A., and prior experience at Atlas Container Corporation among other positions. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Carol Gillespie is a financial advisor with Wells Fargo Clearing in Hagerstown, MD, holding Series 63 and Series 66 designations and with 31 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and offers a range of brokerage and advisory solutions.

Richard Pencek is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. He has held prior roles at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. Since 2020, he has also pursued activities as an artist and musician under the name FatherTime. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Ryan Flurie is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he manages financial aspects of R&J Assets LLC, a real estate holding company in which he holds a majority ownership stake. 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 wide range of brokerage and advisory solutions supported by research and analytics.

Kevin Jackson is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and six years of industry experience. He previously worked at M&T Bank for 19 years before joining Morgan Stanley in 2019. He serves on the board of directors for DIW Group, Inc., a geotechnical engineering company, where he participates in executive compensation, compliance, legal issues, and financial oversight. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs to individuals and institutions, providing financial planning and wealth management services supported by firm-approved tools and analysis methods.

Brad Young is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Lincoln Financial Advisors Corporation for 23 years. Outside of his advisory role, Young serves as an elected member of the Frederick County Council, teaches finance and economics at Mt. St. Mary’s University, and is a board member of the nonprofit organization I Believe In Me. OSAIC serves a broad client base including retail and institutional investors, offering a multi-advisor platform with both brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and access to a variety of managed account programs and third-party investment managers.

Jacob Griffith is a financial advisor with RBC Capital Markets in Frederick, MD, holding Series 63 and Series 65 designations and 26 years of industry experience. He worked at Arrow Investment Advisors, LLC for 14 years before joining RBC Capital Markets in 2021. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers tailored portfolio management and financial planning services through multiple advisory programs and integrates both in-house and third-party investment managers.

Jennifer Brandenburg is a financial advisor with RBC Capital Markets in Hagerstown, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with RBC Capital Markets since 2009 and has owned Chesapeake Bay Seafood House since 1991. Brandenburg serves on the board of directors for the Howard & Anne Kaylor Charitable Foundation, overseeing community nonprofit disbursements. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, and charitable organizations with tailored investment strategies and a range of advisory programs that include portfolio management, financial planning, and brokerage services.

Laura Johnson is a CFP® with 27 years of industry experience. She is affiliated with Cambridge Investment Research Advisors and has held positions at Cetera Advisors LLC, LPL Financial, and Uvest Financial Services Group. Johnson is also a Certified Divorce Financial Analyst and is involved in various business activities including authoring, podcasting, and financial education through her ownership of Hummingbird Wealth Management LLC, as well as serving as president of Jeep Fest for Charity, Inc. Cambridge Investment Research Advisors, Inc. serves a broad range of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of Financial Professionals and manages a multi-billion dollar asset base with access to multiple platforms and custodians.

Brittany Morton is a financial advisor with Wells Fargo Clearing in Hagerstown, MD, holding a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously spent two years at Citi Corp. Prior to her finance career, she was employed at MedExpress Urgent Care for five years. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Regis Larkin is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at RBC Capital Markets from 2009 to 2017. Outside of his advisory work, he is a partner in Larkin Dental Health LLC, a healthcare-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Thomas Roccograndi is a financial advisor with Charles Schwab in Hagerstown, MD, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. He has been with Charles Schwab since 2012 and also manages his own firms, Roccograndi Management, LLC, and Hope Meadows Farm, LLC. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by a large scale and integrated operational structure.

Kevin Moore is a Series 66 registered advisor with Cambridge Investment Research Advisors, where he has worked since 2019. He has eight years of industry experience and previously worked with the U.S. Army Medical Research Acquisition Activity. Outside of his advisory role, he serves on several nonprofit boards and committees in Frederick, Maryland, including Habitat for Humanity of Frederick County and Goodwill Industries' Business & Community Advisory Council. Cambridge Investment Research Advisors serves a broad mix of individual and institutional clients, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and offers both discretionary and non-discretionary management across multiple platforms, including proprietary model strategies under the Founders Gate Capital brand.

Beth Linton is a financial advisor at LPL Financial with 16 years of industry experience. She holds a Series 66 designation and previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory role, she is a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including model portfolios, third-party asset management, and institutional platforms.

Elizabeth Rodriguez is a financial advisor at OSAIC with one year of industry experience. She holds a Series 66 designation. Her prior work experience includes roles in the salon and day spa industry and periods as a full-time student and homemaker. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process featuring asset allocation, portfolio optimization, and various managed account options.

James Cholet is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. His prior experience includes positions at Citigroup Global Markets and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Lisa Taylor is a ChFC® with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2011. She is licensed with Series 63 and Series 66. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Melinda Wise is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets since 2020, following a five-year tenure at Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies based on each client’s risk profile, utilizing both in-house and third-party investment managers.