Semene Gilden is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the CFP® and ChFC® designations and has previously worked at Bank of America, Merrill, and BB&T. Gilden serves as a board member of the Centreville Rotary in Maryland. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and proprietary tools to develop financial plans, while generally acting in an advisory capacity.

Andrew Shaver is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Cetera Investment Services and Foresters Financial Services. He is also involved in outside employment as a paraplanner with River Hills Consulting Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides tailored retirement income planning and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Alec Cronin is a financial advisor with LPL Financial in Annapolis, MD, holding the Series 66 designation and three years of industry experience. His prior roles include positions at Freedom Mortgage Corporation and Atlantic Prime Mortgage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Jonathan Michael is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011. Outside of his advisory role, he operates as an independent insurance agent focusing on health, life, disability, and long-term care products and serves as a committee member for a homeowners association golf course. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of portfolio management options and proprietary as well as third-party strategy access.

Arianne Rodriguez is a Series 66-licensed financial advisor with nine years of industry experience, currently with Merrill in Annapolis, MD. She has worked at Merrill since 2013 and also holds a position with Bank of America, N.A. since 2021. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Bergner is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Securities and C Beach Brown LLC. Outside of his advisory work, he has experience in the hospitality industry and academic settings. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a broad network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management along with a range of model portfolios and research resources.

Robert Reedy is a CFP® and holds a Series 66 license with Edward Jones, where he has worked since 2010. He has 15 years of experience in the financial industry. Outside of his advisory role, he serves on the programming committee for the Annapolis Film Festival, helping to select films for the annual event. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

James Malena is a financial advisor with Morgan Stanley, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

Daniel Higgins is a financial advisor with Edward Jones in Pasadena, MD, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, Higgins serves as a lead facilitator at Arundel Christian Church and is a member of the board for Gold Flex Life Sciences, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Christopher Boyle is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds the Series 63 and Series 65 designations. His prior roles include positions at City National Bank and RBC Capital Markets Corporation. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved tools and modeling techniques.

Charles Bailey is a financial advisor at OSAIC with 22 years of industry experience and holds the Series 66 designation. His prior work includes positions at Securities America Advisors, Ameriprise Financial Services Inc, and Chapin Davis. Outside of advisory work, he serves as executor of his parents’ estate. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and investment advisory services supported by firm-provided asset-allocation tools, third-party portfolio management, and a range of investment products.

Charlotte Wall is a financial advisor with Cetera holding a Series 66 license and four years of industry experience. She has worked at multiple entities within the Cetera network as well as Premier Planning Group, where she also manages office operations and coordinates events. Additionally, she is involved in the sale of fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary strategies across multiple custodial relationships.

Timothy Grossman is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 20 years of industry experience. His prior roles include positions at VALIC Financial Advisors, Agia, and Osaic Wealth, Inc. He serves on the board of Consider the Lily, a nonprofit organization dedicated to rescuing girls from sexual abuse and trafficking in the Philippines. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by both proprietary and third-party research and model portfolios.

John Wirth Jr. is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured discovery process supported by firm-approved planning tools and modeling techniques.

Garrett Phillips is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he held roles at NewDay USA and HomeBuyer Connections, among others. He also works as a business processor and paraplanner with River Hills Consulting Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Joel Dovi is a financial advisor with Raymond James Financial in Annapolis, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Raymond James Financial Services Advisors, Inc. since 2009. 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 and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to model potential outcomes and supports municipal and public-finance work through its affiliation with a municipal advisor.

Justin Smith is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 credential and has been with Bank of America, N.A. and Merrill since 2013. Outside of his advisory role, he serves as a committee member for Bay-Area Young Life, a nonprofit organization focused on youth faith development. Merrill serves a broad client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, and discretionary portfolio management. The firm emphasizes tax-efficient investment strategies and integrates with Bank of America’s broader banking and capital markets platform.

Amanda Mc Gehrin is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2022, she worked at Trident Funding and has experience in yacht sales from positions at Bluewater Yacht Sales and Annapolis Yacht Sales. 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

Andrew Hickey III is a financial advisor at Osaic with 33 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at Woodbury Financial Services, Inc. and Capital One advisors. Hickey is also a partner at Symmetry Financial Partners, where he engages in insurance sales and financial planning. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services, utilizing asset allocation tools, risk assessments, and automated portfolio rebalancing across multiple asset classes.

Andrew Kadala is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has worked at Cetera Advisors LLC since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of his firm work, he is involved as an investment advisor with Fishing Creek Financial LLC, a financial services business. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and has over 10,000 advisors managing more than $256 billion in assets.