Katrina Warkoczewski is a financial advisor at Merrill with 12 years of experience, including 9 years in the industry. She holds the Series 66 designation and has been with Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America enables access to a broad set of financial products and services.

Brian O'Neil is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1979. He manages individual portfolios by formulating risk-managed asset allocations focused on a select number of investments. Brian works collaboratively with clients’ attorneys and CPAs to align portfolios with estate planning goals and strategies for tax minimization. He serves a diverse client base including corporate executives, entrepreneurs, physicians, attorneys, retirees, and multiple generations across 15 states. Brian holds a Bachelor's degree in Business Administration from Loyola College in Maryland and carries the Personal Investment Advisor (PIA) designation. His areas of expertise include portfolio management, family wealth management strategies, international wealth management, liquidity management, philanthropic planning, tax minimization, and retirement income planning. In addition to his professional work, Brian serves on the Board of Trustees for The Boys' Latin School of Maryland. He lives in Ruxton, MD, with his wife Ann and is active in his community.

Stephen Goldstein is a CFP® with 32 years of industry experience, currently with RBC Capital Markets since 2025. He previously worked at Janney Montgomery Scott for 16 years. He serves as a committee member on the board of the Chizuk Amuno Foundation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Frank White IV is a CFP® credentialed financial advisor with six years of industry experience. He is currently affiliated with RBC Capital Markets and City National Bank, where he has worked since 2019. Prior to his current roles, he was employed at Apex Tool Group, LLC from 2011 to 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a variety of wrap fee advisory programs and customizes investment strategies based on clients’ Advisory Risk Profiles, utilizing both in-house and third-party investment managers.

Howard Soltoff is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with MML Investors Services, Inc. since 1996. Outside of his advisory role, he is involved as a sales agent with Tribridge Partners, LLC, focusing on various life, health, disability, fixed annuities, and long-term care insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as ongoing collaborations that produce written recommendations based on detailed client data and firm-approved analytical tools.

Ariana Mary Waitkavicz is a financial advisor at UBS Financial Services with eight years of industry experience. She has been with UBS since 2017 and holds a Series 66 designation. She is based in Hunt Valley, MD. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances while offering a wide range of capital markets services.

Patrick Vaughan is a financial advisor with RBC Capital Markets, holding a Series 63 designation and 43 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile through a combination of in-house and third-party investment managers.

Gavin Potterfield is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at the University of Louisville, Delta Financial Advisors, and Humana Inc., as well as experience outside finance at Hightopps Bar and Grille. Merrill provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

William Coleman Jr. is a financial advisor at LPL Financial with 17 years of industry experience. He previously worked at MML Investors Services Inc and MassMutual Life Insurance Company for 15 years. Coleman holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves as a board member at Hillendale Country Club and is involved in a for-profit insurance-related board position. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Dennis Facius is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 65 and Series 66 licenses and has an extensive background at MassMutual and MML Investors Services, where he worked for over three decades. In addition to his advisory role, he is involved in selling disability, health, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory services, utilizing model portfolios, research from multiple sources, and advanced technologies across discretionary and non-discretionary management programs.

Benjamin Lanser is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Janney Montgomery Scott LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment products.

Katalin Jambor is a financial advisor at LPL Enterprise with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, and Bankers Life. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products via its integrated platform.

Ferdinand Fiastro is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 18 years of industry experience with prior roles at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. Fiastro maintains an active insurance agent role, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Noor Bhatti is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Bhatti worked in the service industry and held roles in education at Penn State Harrisburg, HACC, and Patapsco High School for The Center of The Arts. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Jones Jr. is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Fidelity, Avantax, Bank of America, Merrill, and Bluemount Financial. Outside of his advisory career, he operates Sonic Squirrel Productions, providing video editing and music composition 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 a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers.

Ramon Resendiz Jr. is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill since 2023 and previously held roles in education and training, including positions at the Community College of Baltimore County and the Lansdowne High Academy of Finance. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader platform, delivering access to diverse products and services.

David Schmelz is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies that incorporate both in-house and third-party investment managers.

Sean Mc Elroy is a financial advisor at UBS Financial Services with 8 years of industry experience. He holds a Series 66 designation and has been with UBS since 2017. Prior to UBS, he worked at Betamore and had a brief period of unemployment. Mc Elroy is involved with the Baltimore Chamber Orchestra. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a wide range of capital markets and investment products.

Andrew Heyman is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2022 and previously spent eight years at Merrill. He holds Series 65 and Series 63 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its network of Financial Advisors and the Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and modeling techniques.

Brian Martin is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with MML Investors Services, Inc. since 1995 and Massachusetts Mutual Life Insurance Company since 1994. In addition to his advisory role, he acts as an insurance broker for various carriers providing life, health, fixed annuities, disability income, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, employing analytical tools to deliver personalized recommendations within collaborative, annual planning engagements.