Kaela Iciek is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and 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 and market simulations as part of its financial planning process.

Alison Roddy is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and seven years of industry experience. She has been with Merrill and Bank of America since 2019. Her prior experience includes roles at TD Ameritrade, NewDay USA, Mary Kay Inc., and Towson University. 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 and profit-sharing plans, corporations, and charitable organizations.

Irving Robinson Jr. is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His background includes roles at Bank of America and Family First Life. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Charles Stamm is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD. He holds Series 63 and Series 65 licenses and has 18 years of industry experience, including 16 years with MML Investors Services Inc and MassMutual Life Insurance Company. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning and asset management using firm-approved tools to analyze goals and provide written recommendations, with optional implementation through separate arrangements.

Daniel Chilcoat is a financial advisor at LPL Enterprise with 10 years of industry experience. He holds Series 63 and Series 65 designations and has prior experience at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory work, he is involved in property management through 1331 Property, LLC. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and affiliated insurance and trust services.

Jordan Banks is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at Bank of America, JPMorgan Chase Bank, and Truist Financial. Banks also has experience with Western Governors University and the University of Maryland - College Park. Merrill 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.

Robert Turner Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. 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.

Thomas Johnson is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and nine years of industry experience. His career includes multiple roles within Wells Fargo entities since 2017. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services using proprietary research and tools, and integrates advisory services with other financial products and referral channels.

Paul Baader is a financial advisor with Osaic Wealth, Inc. in Hunt Valley, MD, holding Series 63 and Series 65 licenses and 14 years of industry experience. He previously worked at MML Investors Services and Mass Mutual Life Insurance Company for 13 years. Outside of his advisory role, he is an agent involved in life, health, fixed annuities, disability income insurance, and related insurance products. Osaic Wealth, Inc. serves a diverse range of clients, including individual investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, advisory services, and access to various managed account platforms. The firm employs asset allocation tools and automated portfolio rebalancing across multiple investment types and supports legacy programs as well as third-party managed-account solutions.

Nicholas Steier is a financial advisor at Wells Fargo Advisors with 26 years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services, Wells Fargo Clearing, and Truist Investment Services. Outside of his role at Wells Fargo Advisors, he owns and manages Steier Wealth Management, LLC, and Steier GP, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and special-needs analysis, delivered through tailored recommendations supported by Wells Fargo research and planning tools.

Yong Lee is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America N.A. since 2012. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jillian Magiros is a Series 66-credentialed financial advisor with Morgan Stanley in Lutherville, MD, where she has worked since 2015. She has three years of industry experience. 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 and financial planning services supported by structured discovery tools and investment modeling techniques.

David Demuth is a financial advisor with Equitable Advisors in Towson, MD, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Equitable Advisors since 1999, previously affiliated with Axa Advisors. Outside of his advisory role, he serves on the Admissions Committee and Board of Governors for the Maryland Club. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach includes matching clients to appropriate program models or discretionary managers, utilizing third-party asset managers and LPL-sponsored advisory programs without sponsoring its own wrap fee program.

Nicholas Ibello is a CFP® professional with 13 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Commonwealth Financial Network and Williams Asset Management. Outside of his primary advisory work, he is involved in an insurance brokerage and operates a business entity for tax and investment purposes. 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 financial planning and investment management solutions, including access to third-party asset managers and institutional platforms, supported by a large network of advisors and advanced operational tools.

Joshua Cramer is a financial advisor at OSAIC with 26 years of industry experience. He holds a Series 66 designation and has worked at Invest Financial Corporation and operated Cramer Financial Services since 1999. Outside of advising, he volunteers as a recreational league coach with the Freedom Area Recreation Council. OSAIC serves a broad range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to managed portfolios and third-party investment platforms. The firm employs asset-allocation tools and supports both discretionary and non-discretionary account management.

Cody Allison is a CFP® professional with 12 years of industry experience, currently advising at Raymond James Financial in Hunt Valley, MD. Prior to joining Raymond James, he spent over a decade at Northwestern Mutual in various capacities. 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, corporations, and institutional investors. The firm employs tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through an affiliated municipal advisor.

Jacob Lanford is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2007. Outside of his advisory role, he is also a licensed agent involved in life, health, group life, group health, disability income, and long-term care insurance through Lenox Advisors Inc. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that offers financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses analytical tools and provides event-driven planning services, including specialized offerings such as divorce and estate-settlement planning.

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.

Todd Roop is a financial advisor with Morgan Stanley Wealth Management in Lutherville, MD, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include positions at Raymond James & Associates and BNY Mellon. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.