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.

Frederick Thoms Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 29 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, and H. Beck, in addition to an earlier tenure at LPL Financial. Outside of his advisory work, he operates a property and casualty agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with discretionary and non-discretionary management supported by proprietary and third-party research.

Kevin Moore is a financial advisor with Cambridge Investment Research Advisors in Frederick, MD, holding a Series 66 designation and eight years of industry experience. Prior to joining Cambridge, he worked at the U.S. Army Medical Research Acquisition Activity. Outside of his advisory role, Moore is involved in several community organizations, serving as a board sergeant at arms for the Rotary Club of Carroll Creek and holding committee and board positions with Habitat for Humanity of Frederick County, Federated Charities, and Goodwill Industries. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals, providing both discretionary and non-discretionary strategies and combining proprietary models with access to unaffiliated strategists.

Shovgi Novruz is an Investment Consultant currently working at Fidelity Investments, a position held since 2026. Prior to this role, he served as a Planning Consultant at the same company from 2025 to 2026. Shovgi has also worked as a Financial Solutions Advisor at Bank of America, Merrill Lynch between 2023 and 2025, and completed an Analyst Internship at Bank of America in 2021. In his role as an Investment Consultant, Shovgi focuses on understanding his clients' financial goals and collaborates with them to develop personalized financial plans. He works closely with clients to explore their options and provide guidance aligned with their objectives. Shovgi is committed to continuous learning, which supports his ability to offer market insights and build strong professional relationships.

Luis Alfonso is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and 14 years of industry experience. He has been with Morgan Stanley since 2013, including 11 years at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and financial planning services that utilize firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides tailored financial plans directly to individuals and through corporate agreements.

Beth Linton is a financial advisor with LPL Financial in Frederick, MD, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory work, she is a commissioned notary public. LPL Financial serves a diverse client base, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and utilizes research and model portfolio strategies to support its services.

Rolando Guzman Jr. is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, including customized financial planning supported by advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Kevin Fishkind is a financial advisor with Morgan Stanley in Rockville, MD, 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 and has been with Citigroup Global Markets since 2006. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its financial planning process.

James Henson is a financial advisor with Morgan Stanley in Rockville, MD, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked with Morgan Stanley Private Bank, N.A. since 2024. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs. The firm offers tailored financial planning supported by structured discovery processes and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

Eiber Medina Gutierrez is a financial advisor with Merrill who holds a Series 66 designation and has six years of industry experience. He has worked at Bank of America and Merrill since 2018 and was previously employed by Capital One Bank. Outside of his advisory role, he owns a remodeling and subcontracting business in Montgomery Village, Maryland. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, supported by internal and third-party managers.

Griffin Johnson is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at State Farm and service in the US Army. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary SMAs and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

James Cholet is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with an estate-related business based in Hanover, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies developed by its Global Investment Committee.

Gregory Pang is a financial advisor at OSAIC with 32 years of industry experience. He holds the Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Inc., and Capital One Investing and Capital One Advisors. Pang is also a managing partner at Capital Harvest Wealth Partners LLC and serves as a financial advisor at Pang Enterprises LLC. OSAIC serves a broad mix of retail and institutional clients through an extensive network of affiliated advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement plan consulting, and access to third-party money managers and wrap programs. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Jeffrey Kaufman is a financial advisor at Morgan Stanley with 32 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Mercy Wambari is a financial advisor at Morgan Stanley with three years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at JPMorgan Chase Bank, N.A. and Citibank N.A. Kenya. Outside of her advisory role, she is an independent personal trainer and nutrition coach. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate advanced modeling tools and tailored strategies.

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.

Douglas Ulrich is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He is based in Rockville, MD. Morgan Stanley Wealth Management serves individual and institutional clients by offering a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques within its advisory process.

Raymond Patsy is a CFP®-designated financial advisor with 42 years of industry experience, currently with LPL Financial since 2025. He previously worked at H. Beck, Inc. for 22 years and for Grove Point Investments and Grove Point Advisors from 2021 to 2025. Outside of his advisory role, he volunteers with the non-profit organization D.A.R.&E. in Arlington, VA. LPL Financial serves 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, utilizing model portfolios, research, and technology solutions for discretionary and non-discretionary asset 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 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2017, following prior roles at Bank of America and Merrill. Stifel serves a diverse client base including individual and institutional clients, offering brokerage and advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.