Manuel Alcala is a financial advisor at Morgan Stanley with 28 years of industry experience. He has held roles at Morgan Stanley Smith Barney since 2009 and currently works at Morgan Stanley Private Bank, N.A. in Baltimore, MD. He holds the Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Gavin Rayburn is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank since 2012. Outside of his advisory role, he serves on the Finance Committee of the John Carroll School in Bel Air, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with comprehensive financial planning and investment advisory services. The firm manages approximately $2.74 trillion in client assets and provides customized financial strategies supported by structured planning tools and research.

Courtney Massey is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. She previously worked at Merrill, ClearOne Advantage, Lonzo Warren State Farm, Maryland Management Company, and Darden Restaurants. Massey also works as an independent contractor for a travel agency, focusing on trip booking, marketing, and itinerary planning. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Theodore Waters III is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2014. Outside of his advisory role, he serves on the Investment and Finance Committees of St. Thomas Episcopal Church in Owings Mill, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 employs a structured financial planning process supported by firm-approved tools.

Karen Bartz is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 24 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is in the process of winding down a non-investment-related plastics sales business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques.

Mark Molowa is a financial advisor with Mass Mutual Investors Services in Bethesda, MD, holding the CFP® designation and a Series 66 license. He has 11 years of industry experience, including roles at Goldman Sachs, CETERA Advisor Networks, United Capital Financial Advisers, and Stifel. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, offering strategies that focus on investment categories rather than specific product selections.

Caroline Hulting is a financial advisor at Ameriprise with five years of industry experience. She holds the Series 66 designation and previously worked at Scarborough Capital Management and Solomonwood. Outside of her advisory role, she is involved with River Hills Consulting Services, LLC as a case manager and paraplanner. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Andrew Phillips is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and nine years of industry experience. He previously worked at Foresters Financial Services and Live Nation before joining Ameriprise. Phillips also manages an advisory business through River Hills Consulting Services, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, supported by proprietary research and third-party analysis.

Stanley Rodbell is a financial advisor with LPL Financial, holding a Series 66 designation and over 30 years of industry experience. Prior to joining LPL Financial in 2024, he spent 27 years at Lincoln Financial Advisors Corporation. He is also an attorney with a legal practice dating back to 1966. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, including access to third-party subadvisors and institutional platforms.

Michael Sellitto is a CFP®-designated financial advisor with 16 years of industry experience, currently with LPL Enterprise since 2024. His prior roles include positions at Garrison Forest Advisory Group, Pruco Securities, LLC, and LGS Financial LLC. Outside of advisory work, he is an attorney and operates a bar review business for students. LPL Enterprise offers investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients through a network of investment adviser representatives. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and provides access to third-party asset managers and wrap programs.

Jeffrey Lubin is a financial advisor at Morgan Stanley in Baltimore, MD, with 32 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Merrill for 28 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and incorporates structured discovery processes and advanced modeling tools in its financial planning approach.

David Saffran is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with LPL Financial, where he has worked since 2021. His prior experience includes roles at M&T Securities and M&T Bank. 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Hugo Warns III is a CFA® charterholder with 30 years of industry experience, currently serving at Stifel, Nicolaus & Company, Incorporated since 2005. He is co-owner and manager of Raptor Investments, LLC, a corporation focused on investments in privately held companies. Additionally, he serves on the boards of the Fred Haskins Commission, which is involved with amateur golf awards, and Bennabis Health, a company dedicated to improving patient health. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning, while clients retain discretion over implementation.

Garrett Cioffi is a Financial Advisor at Merrill Lynch Wealth Management based in Columbia. He serves as a trusted partner to business owners, highly-compensated employees and executives, and families seeking personalized wealth management. Garrett approaches wealth management through an evidence-based framework, providing comprehensive guidance across investment management, financial planning, trust and estate considerations, and tax-efficient wealth strategies. He has built his practice on data-driven wealth strategies, leveraging the resources and depth of Bank of America & Merrill. Garrett frequently collaborates with clients' CPAs and estate attorneys to ensure financial strategies align with their overall objectives. He works closely with medical professionals, corporate executives, and high-net-worth families to address the complexities of wealth accumulation, tax-efficient planning, risk management, retirement, and legacy planning. Garrett holds a Bachelor's Degree from Salisbury University and is a Personal Investment Advisor (PIA). He is a member of the Sigma Alpha Epsilon Fraternity. In his free time, Garrett enjoys running, golfing, football, reading, and watching movies.

Steven Deboy Jr. is a financial advisor at Raymond James Financial with 20 years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial and Janney Montgomery Scott. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools and supports advisory programs through a large network of advisors.

Karen Williams is a financial advisor with Edward Jones in Severna Park, MD, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, she spent seven years at Wells Fargo Home Mortgage. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory strategies, separately managed accounts, and affiliated investment products, operating under a fiduciary standard with a nationwide network of financial advisors and branch offices.

Cathy Dawson is a Series 66-credentialed financial advisor with 20 years of industry experience. She has been with Morgan Stanley since 2009 and previously worked at Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools.

Clifford Andersson is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. He has worked at Bank of America, Merrill, MML Investors Services, and MassMutual. He serves as a board member for Mount Calvary Catholic Church in Baltimore, where he oversees various operational and compliance matters. 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 model-based and discretionary investment strategies and support for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lynn Misner is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Prior to joining LPL Financial in 2021, Misner worked at M&T Bank and M&T Securities, Inc. from 2003 to 2021. 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, including access to model portfolios, third-party asset management, and institutional platforms.

Ronald Campbell is a Series 65 licensed financial advisor with Morgan Stanley in Baltimore, MD, bringing 23 years of industry experience. His career includes roles at Morgan Stanley Services Group Inc., Morgan Stanley Smith Barney, Citigroup Global Markets, and PSA Financial Advisors Inc. Outside of finance, he is a self-employed songwriter and musician who occasionally performs his own compositions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and investment modeling techniques.