Raymond Mcfaul Jr. is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements with employers.

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 six years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2019. His prior experience includes roles at INTL FCStone and Textron Aviation. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting through its Institutional Fiduciary Solutions division.

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 at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at MetLife Securities, Metropolitan Life Insurance Company, and MassMutual. His other business activities include insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of advisor representatives. The firm offers a range of financial planning and advisory programs supported by research and employs both discretionary and non-discretionary management strategies.

Douglas Sunday is a financial advisor at Ameriprise with 30 years of industry experience. He has been with Ameriprise since 2005 and holds Series 63 and Series 65 designations. Outside of his advisory work, he co-owns an Etsy shop called Sundays In The Woodshop, where he makes and sells small wooden items. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm delivers personalized, research-driven recommendations that integrate income sources, Social Security options, and tax-efficient withdrawal strategies.

Kristen Benner is a financial advisor at Merrill with 18 years of industry experience. She holds Series 65 and Series 66 licenses and has been with Merrill since 2009. Prior to that, she worked at Bank of America N.A., where she has been employed since 2002. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America allows access to a broad range of financial products and services.

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 at Merrill with eight years of industry experience. He has worked at Bank of America and Merrill since 2014. Outside of his advisory role, Weber is involved with a local bike shop where he assists customers and performs minor bike repairs. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Christopher Elmonus is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His background includes roles at Bearlight Marketing, Fairview, and Wake Forest University. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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®-certified financial advisor with 29 years of industry experience. He has been with LPL Financial since 2012 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a trustee for the Helen P Lowry Great Grandchildren Trust. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and various portfolio management options.

Kathie Okun is a financial advisor at LPL Financial with 38 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior roles include positions at Lincoln Financial Advisors and Penn Mutual Life Insurance, among others. Okun is the owner and president of Okun Financial Group Inc., offering accident, health, disability, fixed annuities, and traditional life insurance, and she serves as a trustee of a family trust as well as a board member of Enterprising Women. 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, retirement plan consulting, and brokerage services, including both discretionary and non-discretionary management supported by in-house and third-party research.

Marc Pushkin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2013. Pushkin is president of Pushkin & Pushkin, Inc., serving as a third-party administrator, and he acts as an expert witness in divorce and personal injury cases involving actuarial calculations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by model portfolios and market research.

Michael Weber is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 24 years of industry experience. He has worked at LPL Financial since 2019 and previously was with Kestra Financial Services for three years. Weber is also associated with Weber & Messick, P.A., a tax preparation and accounting firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and technology-driven strategies.