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.

David Abeles is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he acts as trustee for several family trusts in Hagerstown, MD. 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 combines research and analytics with a large platform of products and services, offering both brokerage and advisory solutions.

Jeremy Douglas is a financial advisor at Raymond James Financial Services Advisors, Inc. with 17 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Fulton Bank, Guardian Life, and Wells Fargo Clearing. 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 clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and is notable for its affiliation with a municipal advisor and specialized retirement plan advisory services.

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.

Paul Ritchie is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 27 years of industry experience. His prior work includes roles at Wheatland Advisors, Orrstown Bank, Cetera Wealth Services, and Charles Schwab. Outside of his advisory work, he serves as the corporate treasurer for Hope Reformed Presbyterian Church and is a committee member of the Edwin D Martin & Judith M Martin Private Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Nathaniel High is a financial advisor at LPL Enterprise with nine years of industry experience. He holds a Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He serves as a board member for the South Carroll Business Association, a nonprofit organization focused on community networking. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in Model Wealth Portfolios wrap programs.

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 licenses and having eight years of industry experience. His prior roles include positions at T. Rowe Price and Northwestern Mutual, as well as work at Washington College. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate financial planning agreements.

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.

Amy Forman is a financial advisor at Thrivent Investment Management with 13 years of industry experience. She holds the Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning across various topics, with options to combine planning and managed-account services under a consolidated billing arrangement called “WealthPlan.”

Jacob Barr is a financial advisor with Raymond James Financial Services Advisors, Inc. holding a Series 66 designation and six years of industry experience. He has worked at Raymond James since 2019 and previously held positions at Towson University and Bridgewater College. In addition to his role at Raymond James, Barr serves as an independent contractor financial advisor for Ark Financial Advisors. 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 institutional clients. The firm employs fact-finding, risk profiling, and analytical modeling to tailor non-discretionary planning and investment consultations to client goals.

Christian Taylor is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He previously worked at Wells Fargo Clearing Services, LLC for 10 years and Cetera Advisors LLC for 4 years. 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 institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools, and supports municipal and public-finance clients through a unique affiliation with a municipal advisor.

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.