Young Kim is a Series 66-licensed financial advisor at Osaic with eight years of industry experience. He previously worked at Lincoln Financial Advisors and MCB Consulting LLC. In addition to his advisory role, Kim provides consulting services to business owners on operations and business strategies and works part-time as a home caregiver. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment approach focused on model-based asset allocation, portfolio optimization, and risk management tools.

Jessica Sewell is a Series 66-licensed financial advisor with Morgan Stanley in Frederick, MD, and has 13 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

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.

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.

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.

Peter Chipouras is a financial advisor at OSAIC with 32 years of industry experience. He holds the CFP® designation along with Series 63 and 65 licenses. He has worked at both OSAIC and The Washington Insurance Group for over two decades. Chipouras also maintains a sole proprietorship focused on servicing existing life and disability insurance policies. OSAIC Wealth serves a diverse client base, including retail and institutional investors, with a range of brokerage and advisory services. The firm employs a model-based investment approach with tools for asset allocation and portfolio optimization, supporting various managed account programs and third-party money manager options.

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.

Punchai Vutiprichar is a financial advisor at Fidelity with 21 years of industry experience and holds a Series 66 designation. His prior work includes five years at Equitable Advisors before joining Fidelity, where he has held various roles since 2010. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, with unique capabilities such as CFTC registration and advisory roles to multiple registered investment companies.

Cortney Heykoop is a financial advisor at Osaic with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services, NYLIFE Securities, New York Life Insurance, and Chevy Chase Financial Services. Heykoop is a member of the board of directors at The Arc of Loudoun, a nonprofit organization. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation and portfolio optimization.

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.

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.

Stephen Ide is a financial advisor at Edward Jones with 14 years of industry experience. He holds a Series 66 designation and has been associated with Merritt Properties since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Jeffrey White is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds a Series 66 designation and has worked at firms including Northwestern Mutual Wealth Management Company and Joseph Greenwald and Laake. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses across various planning topics, delivered as one-time or ongoing engagements, without discretionary trading authority or institutional portfolio management.

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.

John Murphy Jr. is a financial advisor at Stifel with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and Bank of America. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing analysis and asset allocation guidance designed to support client decision-making.

Kelly Kreis is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. She has worked at Thrivent Financial and Wells Fargo in various capacities since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive, goal-based financial planning without managing discretionary portfolios for institutional clients.