Michelle Fox is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Sarah White is a Series 66 licensed financial advisor at Stifel with five years of industry experience. She has worked at firms including T. Rowe Price, Merrill, and Guidehouse/Grant Thornton prior to joining Stifel. Stifel serves a wide range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Anthony Viglucci is a financial advisor with Stifel in Baltimore, MD, holding Series 63 and Series 66 credentials and possessing 25 years of industry experience. He has been with Stifel since 2006. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services such as fee-based financial planning and the use of proprietary investment methodologies developed by its Investment Strategy Group.

Brian Lutz is a financial advisor with Cetera in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Merrill, Banc of America Investment Services, and Truist Investment Services. Cetera Investment Advisers LLC operates a multi-manager platform serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and financial planning services, with access to both affiliated and third-party investment managers.

Eric Walker is a financial advisor with Morgan Stanley in Baltimore, MD. He holds Series 63 and Series 65 licenses and has 33 years of industry experience. He has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Most recently, he has worked in a private banking capacity since 2026. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools, offering comprehensive planning without individual security recommendations as part of standalone plans.

William Dennin is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, Citigroup Global Markets from 2006 to 2009, and Legg Mason Wood Walker, Incorporated from 1991 to 2006. He is based in Baltimore, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by proprietary tools and research.

Robert Declement is a financial advisor at Merrill with 23 years at the firm and 11 years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he serves on the advisory board of Junior Achievement-Central Maryland, a nonprofit organization focused on preparing young people for economic success. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

Michael Viscardi Jr. is a CFP® and ChFC® with 28 years of experience in the financial services industry. He has worked at M&T Bank and its securities affiliate for over two decades before joining LPL Financial in 2021. Outside of his advisory role, he serves as a USA Hockey certified ice hockey referee for youth games in Maryland. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and investment services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Zach Taylor is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Baltimore Washington Financial Advisors and has a background that includes educational roles at Virginia Tech and DeMatha Catholic High School. Outside of finance, he was involved with The Big Bean for two years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model financial outcomes, serving clients primarily in an advisory capacity.

Avi Greenlinger is a financial advisor at RBC Capital Markets with 22 years of industry experience. He holds a Series 66 credential and has worked at City National Bank, Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Greenlinger serves on the boards of several Baltimore-based nonprofit organizations, including Jewish Educational Services and the Jewish Community Federation of Baltimore. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base ranging from individual investors to institutions and charitable organizations. The firm offers tailored investment strategies supported by a combination of in-house and third-party managers, with services that include portfolio management, financial planning, and custody.

William Persons is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive 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 provides a range of investment and planning services.

James Orders II is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 1994. He is a member of the Roche Hans Orders Group, where he focuses on corporate retirement plans, including 401(k) and defined-contribution plans, servicing high-net-worth clients as well as managing the team's fixed-income investments. His client base includes successful business owners, physicians, retirees, wealthy families, and endowments in Baltimore, Maryland, and nationwide. James holds a Bachelor's degree in Sociology and Education from Roanoke College. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). He works closely with clients, their accountants, and attorneys to keep tax minimization and estate planning strategies aligned with investments and liabilities. James resides in Arnold, Maryland, with his wife and their three children. His personal interests include boating, fishing, reading, and spending time with his family.

Richard Dix is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and over 22 years of industry experience. His career includes roles at Securities America Advisors, The Marshall Financial Group, and Hornor Townsend & Kent Inc., among others. Dix is also an owner and partner of S2 Financial Partners LLC and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

James Ryan is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2009, including prior work at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes firm‑approved planning tools and strategic modeling in its advisory process.

Robert Budde is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Prior to joining LPL, he worked for M&T Securities, Inc. for 18 years and has been associated with Allfirst Brokerage Corporation and Allfirst Bank since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning, portfolio management, and institutional platforms to individuals, retirement plan participants, banks, and trust companies.

Tania Banach is a Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 2018 after working with Bank of America and Merrill starting in 2015. Tania holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Throughout her career, Tania has worked with a diverse range of clients, from young professionals to retirees, assisting them in navigating the financial markets. Her areas of expertise include investment planning, retirement planning, estate planning services, and wealth management. She focuses on creating comprehensive financial strategies tailored to each client's needs and goals, employing a disciplined process that begins with listening to clients to ensure alignment with their objectives. Outside of her professional role, Tania participates in community activities, including involvement with Junior Achievement of Central Maryland. She enjoys staying active through yoga, hiking, biking, music, reading, running, swimming, and traveling.

Destiny Perry is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2023, Perry worked at Wells Fargo Bank and Wells Fargo Clearing, and has experience at Bank of America, Merrill, PayPal Inc., and FedEx Office. Outside of financial advising, Perry has a role in automotive sales and marketing with CarMax in Ellicott City, Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses its Global Investment Committee’s estimates and modeling tools.

Craig Schelle is a Senior Financial Advisor at Merrill Lynch Wealth Management based in the Baltimore office. He has been with Merrill since 1990, focusing on developing, implementing, and managing wealth strategies that align with clients' risk tolerance and financial goals. His approach includes regular reporting on portfolio results and advising clients on necessary adjustments to their financial plans. Craig’s expertise spans a range of client focus areas, including education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Hampden-Sydney College. Prior to joining Merrill, he worked at Sovran Bank from 1986 to 1990. Outside of his professional role, Craig is active in community service and volunteers with local organizations. His personal interests include biking, fishing, football, hiking, hunting, traveling, and watching movies. He resides in Hunt Valley, Maryland, is married, and has two children.

Josefina Sanchez is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Primerica Advisors since 1987 and has concurrently worked with Marieta S. Caragay, M.D. since 2014. Outside of advisory services, she is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Daniel Leatherman is a financial advisor at Cetera with 28 years of industry experience and holds the Series 66 designation. He has worked at Avantax in various capacities from 2012 to 2025 and has been operating his own CPA and financial services practice since 2006, providing accounting, tax preparation, and financial planning services. Leatherman also has a background in law enforcement training. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program structures.