Zain Wasi is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with four years of industry experience. His prior roles include positions at T. Rowe Price and MATClinics, as well as work with the Baltimore City Health Department and Franklin & Marshall College. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of investment products alongside its advisory services.

Tyler Tait is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has held multiple roles within Morgan Stanley since 2017, including at Morgan Stanley Private Bank, N.A. Outside of his advisory work, he is involved in property management. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and financial planning services.

Josh Webber is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 credential and one year of industry experience. His prior work includes roles at Merrill and Oceaneering, as well as experience in the restaurant industry and education. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and global market insights.

Aidan Ryan is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and three years of industry experience. His work history includes positions at Morgan Stanley Private Bank and Morgan Stanley, as well as prior experience outside finance at Caves Valley Golf Club and Mothers North Grille. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers access to comprehensive investment strategies alongside its broader retail and institutional offerings.

Jason Parks is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process utilizes firm-approved tools and market outlook models, focusing on advisory services without offering individual security recommendations as part of standalone plans.

Ian Hamsher is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds a Series 66 designation and has previously worked at INTL FCStone, Textron Aviation, and The Pennsylvania State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning and consulting services through various advisory programs and institutional solutions.

Nohemi Cecil is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc., and also has experience with John Hancock Life Insurance Co. Outside of finance, she is involved in her local community through a homeowners association welcome committee and sells handmade crafts at local shows. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools and efficient-frontier analysis to construct diversified portfolios tailored to client risk tolerance and investment objectives.

Howard Kleinman is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company for 28 years, followed by roles at Mass Mutual Investors Services and MassMutual Life Insurance Co. Kleinman is also involved in non-variable insurance sales as a sole proprietor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of investment and financial planning solutions through a large network of advisors, supported by proprietary research and technology tools.

Kristen Benner is a financial advisor with Merrill in Baltimore, MD, holding Series 65 and Series 66 credentials and 18 years of industry experience. She has been with Merrill since 2009 and has worked at Bank of America N.A. since 2002. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Melford Brown Jr. is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in consulting through his business, M G Brown & Associates, Inc. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Karl Weber is a Series 66-licensed financial advisor with Merrill, based in Dundalk, MD, with nine years of industry experience. He has been with Merrill and its affiliate Bank of America since 2014. Outside of his advisory role, he works part-time at a local bike shop, assisting customers with purchases and minor repairs. 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, pension plans, corporations, and charitable organizations.

Christopher Elmonus is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation. His prior roles include positions at Bearlight Marketing, Fairview, and Wake Forest University. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Michelle Oosterwijk is a financial advisor at Morgan Stanley in Baltimore, MD, with six years of industry experience and a Series 66 designation. She has been with Morgan Stanley since 2020, including a role at Morgan Stanley Private Bank, N.A. since 2021. Outside of her advisory work, she serves on the Towson University College of Business & Economics Advisory Board, providing guidance to support the institution’s educational mission. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, utilizing structured financial planning tools and a comprehensive investment approach. The firm manages approximately $2.74 trillion in client assets and provides services that include tailored financial planning and estate strategies.

Darrell Mitchell is a financial advisor at Fidelity with two years of industry experience. Prior to joining Fidelity, he worked at Merrill and spent eight years at IKEA. He holds the Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction to manage model portfolios comprising mutual funds, ETFs, and ETPs.

Matthew Lowry is a CFP® professional with 29 years of industry experience. He has been with LPL Financial since 2012. He also serves as a trustee for the Helen P Lowry Great Grandchildren Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing both proprietary and third-party investment strategies.

Kathie Okun is a financial advisor at LPL Financial with 38 years of industry experience. She holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Financial, she worked at OSAIC, Lincoln Financial Advisors, Penn Mutual Life Insurance Company, and HORNOR, TOWNSEND & KENT, Inc. Okun is owner and president of Okun Financial Group Inc., which offers accident, health, disability, fixed annuities, and traditional life insurance products. She also serves as a board member of Enterprising Women. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various financial planning and asset management solutions, utilizing both proprietary research and third-party strategies, supported by technology tools for operational and research assistance.

Michael Weber is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at LPL Financial since 2019 and previously spent three years at Kestra Financial Services, Inc., while maintaining his own CPA practice, MacDonald & Weber, P.A., since 1984. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party subadvisors, and institutional platforms.

David Gonzalez is a CFP® professional with seven years of experience in the financial services industry. He currently works with Cetera in Baltimore, MD, having held prior roles at firms including T. Rowe Price Investment Services and Financial Dimensions, LLC. He also provides financial counseling and education for service members through Magellan Federal on a limited basis. Cetera Investment Advisers LLC is a nationwide SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with various program structures and custodial relationships.

Dominic Nicolini is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as an officer for the LD1940 Fund, a nonprofit established to honor the memory of a friend by providing scholarships and supporting cancer-related causes. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment modeling in its advisory process.

Jeffrey Shapiro is a financial advisor at Edward Jones in Pasadena, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones in 2024, he was involved with Spindle Fitness LLC for nine years. Edward Jones is a full-service wealth management firm with over 23,700 financial advisors serving more than four million clients, including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.