Clifford Rowland II is a CFP® designated financial advisor with 39 years of industry experience, currently affiliated with Cetera. He has held roles at Avantax Advisory Services and Avantax Investment Services, Inc. for over three decades and operates his own CPA and bookkeeping practice. He is also an independent insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment program options and manages over $256 billion in assets.

Laura Strosnider is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked at Morgan Stanley Private Bank and Morgan Stanley since 2016. Strosnider is also engaged as an investment adviser with Fulton Financial Corporation, where she dedicates significant time to investment-related activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to help clients model potential outcomes.

Allan House is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Brown Advisory, Santa Barbara Asset Management, and Rittenhouse Asset Management. House serves on the Investment Committee of Friends School of Baltimore and is a board member of the Finance Committee at The Chesapeake Bay Trust. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of investment and planning services.

Annalee Beharie is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing five years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at J.P. Morgan Securities for four years and spent thirteen years at JPMorgan Chase Bank, N.A. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Keith Manning is a financial advisor at LPL Financial with 32 years of industry experience. He holds the PFS™ designation along with Series 63, 65, and 66 licenses. His prior experience includes roles at Grove Point Advisors, LLC, Lighthouse Financial Services, Grove Point Investments, LLC, and Kamins & Manning, P.C., where he is involved in tax preparation and accounting. 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 financial planning and portfolio management services through a large network of investment adviser representatives, utilizing both proprietary research and third-party asset managers.

Daniel Benkoski is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley and Morgan Stanley Private Bank. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles and investment preferences.

Alexander Johnson is a CFP®-certified financial advisor with nine years of industry experience, currently with UBS Financial Services since 2021. He previously worked at The Vanguard Group, Inc. for four years and Dakota Funds Group for one year. Johnson also attended Saint Joseph's University from 2013 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, employing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, including fiduciary financial planning and capital markets operations.

Mark Kamins is a financial advisor at LPL Financial with 35 years of industry experience. He holds the PFS™ designation as well as Series 63 and Series 65 licenses. His career includes significant tenures at Lighthouse Financial Services and Kamins & Manning P.C., where he also provides tax preparation and accounting services. Kamins serves on the board of the nonprofit Guild of Temple Musicians. 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 and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive technology tools and a broad non-advisory financial service network.

Gerard Caswell is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a platform offering custody, underwriting, and capital markets services.

Katherine Muscatello is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., she has worked in various roles including at Navient Solutions, Wake Forest University, and Redeemer Presbyterian Church Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Scott Ensor is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools with modeling techniques to support its financial planning process.

Desi Berry is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. Berry has 11 years of industry experience and previously worked at Morgan Stanley and Northern Trust Securities. Outside of advising, Berry operates a home-based travel agency and works as an Uber driver. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm offers ongoing, collaborative financial planning engagements supported by firm-approved tools and educational seminars.

Husnain Bashir is a financial advisor at Morgan Stanley with a Series 66 designation and no prior industry experience before joining the firm. His work history includes service in the United States Marine Corps from 2019 to 2025 and roles at E-ISG Asset Intelligence and Pizza Bolis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Michael Case is a financial advisor with LPL Financial in Baltimore, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 13 years of industry experience, including eight years at Northwestern Mutual Wealth Management Company and related entities. Outside of his advisory role, he is involved with MAC84, Inc., a business entity established for non-investment purposes. 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 range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Michelle Mullinix is a financial advisor with OSAIC holding a Series 66 designation and 10 years of industry experience. She previously worked for Lincoln Financial Advisors Corporation for nine years before joining OSAIC in 2025. Mullinix also provides client and account support as a registered assistant with Fuchs Financial, Inc. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, unified managed accounts, and access to multiple third-party money managers and wrap programs.

Katherine Michaud is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with three years of industry experience. She previously worked at RBC Capital Markets and has experience outside finance, including roles at Birdies Snack Shack and the Basilica National Shrine of the Immaculate Conception. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering a range of advisory programs and tailored financial planning services.

Robert Keeley is a Certified Financial Planner (CFP®) and holds a Series 63 license. He has 30 years of experience at Edward D. Jones & Co., L.P., where he has worked since 1996. Based in Crownsville, MD, he is part of a large network of advisors within the firm. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Fred Crozier is a financial advisor with Raymond James & Associates in Baltimore, MD, holding Series 63 and Series 65 credentials and 40 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension plans, charitable organizations, and municipal entities, offering a range of financial planning and consulting services with a non-discretionary approach that relies on risk profiling and analytic tools.

Jesse Leblanc is a Financial Advisor at Merrill Lynch Wealth Management, specializing in wealth management for sports and entertainment professionals. He provides tailored financial planning and investment strategies designed to help athletes, entertainers, and related professionals secure and grow their wealth. Jesse's services include investment advice, art financing and custom lending, employer benefits and retirement plan consulting, Rule 144 executive and equity services, and 1031 exchange solutions. Jesse holds a Bachelor's Degree from the State University of New York and maintains a range of professional designations, including Accredited Portfolio Management Advisor (APMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He is affiliated with professional organizations such as Maryland Nonprofits and US SIF: The Forum for Sustainable and Responsible Investment. Committed to community involvement, Jesse volunteers with Business Volunteers Maryland and World Relief. Outside of his professional work, his personal interests include golfing, music, reading, and running.

Jason Rayman Rayman is a Financial Advisor at UBS Financial Services with Series 66 credentials and one year of industry experience. Prior to joining UBS in 2025, he was a student at the University of Richmond and worked at Loyola Blakefield High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client solutions.