Sidney Huguenin is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves on the finance committee of the Fountain Head Country Club in Hagerstown, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines large-firm resources with diverse investment and planning capabilities.

Sarah Dzbynski is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and two years of industry experience. She has worked with firms including Northwestern Mutual and MassMutual Life Insurance Company. Outside of financial services, she works as a quality analyst at Mercy Medical Center, focusing on data analysis and process improvement in patient care. MML Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning relationships that use firm-approved software tools to analyze client goals and deliver written recommendations.

Tricia Tripp is a CFP® with 32 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. She has worked with Raymond James since 1994 and previously operated her own firm, Tripp Financial Consultants, Inc. In addition to her advisory work, Ms. Tripp owns and manages Fox Hollow Farm LLC, where she employs staff to care for animals and property. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm emphasizes tailored, non-discretionary planning supported by analytical tools and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Consulting.

Derek McGee is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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 and financial planning services supported by structured planning tools and comprehensive investment resources.

Nathaniel High is a financial advisor with LPL Enterprise in Frederick, MD, holding a Series 66 designation and totaling nine years of industry experience. His prior roles include positions at Prudential Insurance Company of America and Pruco Securities, LLC. He serves on the board of the South Carroll Business Association, a nonprofit organization. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio programs, and access to third-party asset management, utilizing a platform that integrates adviser programs with a range of financial products including insurance.

David Holman is a Series 66-licensed financial advisor with LPL Financial and has 16 years of industry experience. He previously worked at Edward Jones before joining LPL Financial in 2023. Outside of his advisory role, he is involved with Holman Wealth Management, a business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and consulting services, utilizing model portfolios, research, and technology-driven solutions.

Keith Hoover is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His career includes roles at CLRA Group LLC and PFS Investments Inc., along with a decade-long involvement with Frederick Keys Baseball. He is also engaged in the sales of investment-related and home security products through affiliated companies. Primerica Advisors is a large-scale institution serving individual, corporate, and charitable clients, primarily through a wrap-fee asset management program that utilizes model-driven investment strategies managed by third-party firms. The firm offers a range of strategic and tactical investment models with support from established custodians and overlay managers.

Jonathan Dorsch is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 66 credentials and seven years of industry experience. He previously worked at T. Rowe Price and Northwestern Mutual, and spent four years at Washington College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Matthew Pereira is a Series 66-licensed financial advisor at Merrill with six years of experience, including four years at Wells Fargo Bank N.A. prior to joining Merrill in 2020. He is based in Frederick, MD. 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 strategies for individual, high-net-worth, institutional, and nonprofit clients.

Frederick Ridgway Jr. is a financial advisor with Stifel, holding a Series 66 designation and 28 years of industry experience. He has been with Stifel Nicolaus & Co. Inc since 2009. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipalities, offering brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Terrence Taylor is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Lincoln Financial Securities, Eagle Strategies (NY Life), and New York Life Insurance Company, as well as operating Taylor Financial Associates since 2009. In addition to his advisory work, he is an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Tj Atkinson is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1988, also working at Bank of America since 2009. Outside of his advisory role, he owns and operates an equestrian business and agricultural real estate ventures in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

David Goldberg is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Cambridge-related firms since 2021. Outside of his advisory role, he serves as interim CEO and board member at Individualized Medicine, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.

Carl Vail III is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2009. Vail also has involvement with investment-related 529 plans in Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through its Financial Advisors and Estate Planning Strategies Group.

Andrew Pantoja is a financial advisor at Morgan Stanley in Frederick, MD, holding a Series 66 designation with four years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Bank of America and Merrill from 2021 to 2024. His background also includes roles outside finance, such as working at Jinya Ramen Bar and IPIC Theaters LLC. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through structured planning processes and various investment strategies.

Nathan Harris is a Series 66-licensed financial advisor with Raymond James Financial, based in Frederick, MD, and has 18 years of industry experience. He previously worked at Bank of America and Merrill before joining Raymond James in 2021. Outside of his advisory role, he serves as CEO of Covenant Capital LLC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored non-discretionary planning and consulting services, utilizing risk profiling and modeling tools, and supports municipal and public-finance work through its affiliation with a municipal advisor.

David Morders is a financial advisor with LPL Financial in Frederick, MD, holding a Series 66 designation and over 25 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services supported by proprietary and third-party research, offering both discretionary and non-discretionary management solutions.

Sean Murphy is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009, previously spending seven years at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management and financial planning, utilizing both in-house and third-party investment managers.

Gabriella Damiano is a CFP®-certified financial advisor with Edward Jones in Frederick, MD, with 10 years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Randolf Scritchfield is a CFP® professional with 42 years of industry experience, currently serving at OSAIC since 2024. He previously worked at Securities America Advisors and Securities America Inc from 2015 to 2024 and has been involved with Montgomery Financial Group since 1990, where he also holds the position of president. Outside of his advisory role, he serves as chair emeritus and board member of the Gaithersburg-Germantown Chamber of Commerce and sits on the board of the Mid Atlantic Federal Credit Union. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and multiple third-party solutions to construct customized portfolios across various asset classes.