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 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.

David Holman is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He worked at Edward Jones for 13 years before joining LPL Financial in 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment options and employs technology tools to support advisors, managing over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.

Keith Hoover is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His work history includes roles at CLRA Group LLC and PFS Investments Inc., alongside a decade-long involvement with the Frederick Keys Baseball organization. In addition to his advisory role, he receives compensation for part-time referrals related to home security, automation products, and loan services through affiliated Primerica companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and operates with support from BNY Mellon Advisors and Pershing for trade execution and custody.

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.

David Hemler is a Series 66-licensed financial advisor with LPL Financial in Westminster, MD, where he has worked since 2009. He has 26 years of industry experience, including prior roles at PNC Wealth Management, Mercantile Brokerage Services, Inc., and Raymond James Financial Services, Inc. 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 advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms.

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 designations and 26 years of industry experience. His prior roles include positions at Lincoln Financial Securities and New York Life Insurance Company, among others. Taylor also operates as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base of individuals and institutions, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through multiple platforms and proprietary model strategies.

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.

Nicholas Cascarino is a financial advisor at Edward Jones with seven years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining Edward Jones in 2019, he worked in various roles including at Longhorn Steakhouse and Candoris, and had teaching engagements at Shippensburg University. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

James Adair III is a financial advisor with LPL Financial who holds Series 63 and Series 65 credentials and has 24 years of industry experience. He previously worked at Northwestern Mutual in various roles from 2002 to 2019 before joining LPL Financial in 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, utilizing both model portfolios and customized strategies.

David Goldberg is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds a Series 66 designation and has worked at Cambridge Investment Research Inc. and Cambridge Investment Research Advisors since 2021. Outside of his advisory role, he serves as interim CEO and board member for Individualized Medicine, Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, managing a multi-billion dollar asset base and offering services through multiple platforms and custodians.

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 Hedrick is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His work history includes roles at PFS Investments Inc. since 2017 and prior experience at Smith Bus Service. Outside of advising, he is involved in the sale of non-investment related products such as home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven strategies developed by unaffiliated asset managers and supports accounts with BNY Mellon Advisors and Pershing, focusing on advisory services delivered at scale through its network of financial advisors.