Steven Hoffman is a financial advisor with Ameriprise based in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory work, he has ownership interests in a non-investment-related business called Pair of Queens. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning with written recommendations and ongoing advice, using proprietary research and tools within a defined investment framework.

Brooke Myers is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked previously at RBC Capital Markets and TD Bank. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct financial planning and corporate financial planning agreements.

Elizabeth Bafford is a financial advisor at RBC Capital Markets with two years of industry experience. She holds the Series 66 designation and has worked previously at Calvert Impact, Inc. for 12 years, UBS Financial Services for two years, and currently also at City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs combining discretionary and non-discretionary portfolio management with financial planning and brokerage services, utilizing both in-house and third-party investment managers.

Ethan Pollack is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he held various roles including positions at JPMorgan Chase Bank and the University of Southern California. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm incorporates ESG criteria in its investment recommendations and offers a broad range of product types through its affiliations and regulatory registrations.

Kara Mikotowicz is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to understand clients' financial situations and assist them in working toward their financial goals. She focuses on helping clients develop financial plans tailored to their priorities and aspirations. Kara's professional experience includes roles as a Financial Advisor at American Wealth Strategy Group from 2021 to 2022, a Senior Financial Consultant at T. Rowe Price from 2020 to 2021, and a Financial Consultant at T. Rowe Price from 2019 to 2020. Through these positions, she has gained experience in financial advising and consulting. Outside of her professional work, Kara enjoys family activities, football, golf, pets, reading, and traveling.

Alexandra Jamieson is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2015. She holds a Series 66 designation and is based in Baltimore, MD. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Joseph Jones II is a Series 66-licensed financial advisor with Merrill in Baltimore, MD, with 22 years of industry experience. He has been with Merrill Lynch since 1995. 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.

Bryce Arnstein 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 2022, he worked in various roles including at the University of Maryland and University Recreation & Wellness. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides a range of advisory programs without offering individual security recommendations as part of its standalone planning service.

Ronald Greene Jr. is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has been with LPL Financial since 2010 and has operated Greene Financial Services, Inc. since 1997. Outside of his advisory work, he is involved in art and painting through his business, Ron Greene Art. 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 asset management programs supported by technology tools and a broad non-advisory financial services platform.

John Mclaughlin is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. 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.

Joann Stout is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2011. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Linda Schwab is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her prior roles include positions at M&T Securities, PNC Wealth Management, and Mercantile Brokerage Services. She is involved with Wilmington Advisors @ M&T, an investment-related business affiliated with her LPL practice. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing tools and a broad network of over 22,800 advisors.

Joseph Reilly is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors, Equitable Advisors, and Northwestern Mutual Investment Management. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ethan Grandinetti is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 credential with two years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at RBC Capital Markets and T. Rowe Price. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process utilizing firm‑approved tools and offers a broad range of retail and institutional investment services.

James Metzbower Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 23 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Founders Financial Securities LLC. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Patrick Mcculloh is a financial advisor with RBC Capital Markets in Baltimore, MD, holding a Series 66 credential and 12 years of industry experience. His prior roles include positions at City National Bank, Bank of America, N.A., and Merrill. Outside of his advisory work, he serves on the Board of Directors for Roland Park Place, Inc., a not-for-profit life plan retirement community, where he chairs the Investment Committee. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and utilizes both in-house and third-party investment managers.

Danijta Torres Harris is a Series 66–licensed financial advisor with Merrill, based in Towson, MD, and has 10 years of industry experience. She has been with Merrill since 2015 and previously worked at Bank of America, N.A. since 2024. Outside of her advisory role, she has maintained a long-term position at Sheraton Baltimore North since 2011. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Kevin Bultman is a CFP® and ChFC® with 38 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He has operated his own firm, Kevin F. Bultman, LLC, since 2004 and is also involved with The BJ Executive Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of advisory strategies supported by research and technology tools.

Patrick Hutchinson is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently with Morgan Stanley and has previously worked at Commonwealth Financial Network, Severn Financial Advisors, and Cambridge Investment Research. He is based in Baltimore, MD. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of financial planning and advisory programs supported by structured planning tools and a broad array of investment options.

Joseph Boddiford III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and having 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009, Morgan Stanley Private Bank since 2015, and Citigroup Global Markets since 2006. He volunteers with the James V McMahan Commission on Veterans Affairs, coordinating veteran community activities. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analyses provided by its Global Investment Committee.