Lawrence Wyss is a CFP® professional with 22 years of experience in financial services. He is currently with OSAIC and has prior experience at Lincoln Financial Advisors and M&T Securities. Outside of his advisory role, he serves as the Director of Financial Planning at Heritage Financial Consultants, where he leads research, plan development, and training for advisors. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment options and utilizes firm-provided tools to construct portfolios tailored to client risk profiles.

Robert Fry is a financial advisor at OSAIC with 25 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at Lincoln Financial Advisors Corporation for 11 years. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, using various asset-allocation tools and third-party solutions to manage portfolios across a range of investment types.

Alan Hess is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015, with prior experience at Morgan Stanley Smith Barney and Citigroup Global Markets. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and market simulations.

Uche Ebereonwu is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and eight years of industry experience. His prior roles include positions at Bank of America, Merrill, and First Bank of Nigeria Limited. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage, distribution, and investment management services.

Samuel Jeppi is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America in 2025 and 2026 respectively, he worked at AlphaSense Inc. and held various roles at organizations including the University of Richmond and Instacart. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Hardisky is a financial advisor with LPL Enterprise, holding a ChFC® designation and Series 65 and Series 63 licenses. He has 10 years of industry experience and previously worked at Pruco Securities, LLC. Outside of finance, he is involved in coaching sports for the Baltimore Orioles, National Football League, and Loyola University Maryland Division I athletics. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products through its integrated advisory and brokerage platform.

Patricia Veney is a financial advisor at OSAIC with 28 years of industry experience and holds a Series 66 designation. She has worked at Woodbury Financial Services, Inc., Questar Capital Corporation, and Veney Financial Group. Outside of advising, she is a CPA who provides tax preparation and consultation services and conducts financial workshops on business success and personal finance. OSAIC serves a wide range of retail and institutional clients through a large network of advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Kristi Dargan is a financial advisor with RBC Capital Markets holding a Series 66 designation and 17 years of industry experience. Her career includes roles at Deutsche Bank Securities Inc., DB USA Core Corporation, Raymond James & Associates, Inc., and RBC Capital Markets across multiple periods since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ Advisory Risk Profiles and utilizes a combination of in-house and third-party managers, providing various options including responsible investing and tax management.

Suzanne Yoder is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following a prior role at Citigroup Global Markets beginning in 1995. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate tools such as Monte Carlo simulations and investment committee return estimates.

Mark Namvary is a financial advisor with UBS Financial Services in Forest Hill, MD, holding Series 63 and Series 65 registrations and with 30 years of industry experience. He has been with UBS since 2002. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment plans.

Robert Sitton Jr. is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having 45 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2017 and previously held roles at SunTrust Advisory Services and SunTrust Investment Services. Outside of his advisory work, he is involved in property management as a sole proprietor. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages trillions in client assets and provides services through Financial Advisors and specialized estate planning groups.

Larry Holmes Jr. is a CFP® professional with 24 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Holmes is a co-trustee for his grandfather's investment-related trust in Monroeville, NJ. Wells Fargo Clearing provides retirement plan consulting and fiduciary services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Michael Feranec is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 modeling techniques as part of its advisory services.

Matthew Gue is a Vice President and Financial Consultant at Fidelity, a role he has held since 2025. He partners with clients to understand their unique short and long-term goals and helps build customized financial plans. His approach emphasizes forming strong relationships and delivering a high level of trust and reliability. Matthew has extensive experience in the financial services industry, having worked with Fidelity Investments since 2021. Prior to that, he held several positions at T. Rowe Price from 2013 to 2021, including Financial Consultant, Manager, Investment Specialist, Specialist, and In-Plan Representative. This experience has provided him with a broad understanding of financial consulting and investment management.

Kevin Widmayer is a Series 66-registered financial advisor with Merrill, based in Hunt Valley, MD, and has nine years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2017. Additionally, he is affiliated with the University of Maryland Pediatric Associates outside of his financial advisory role. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Frank Dingle is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2018. Outside of his advisory work, he serves on the boards of the School of the Cathedral of Mary Our Queen and the Virginia Military Institute Investment Holdings LLC, and is a member of the Catholic Community Foundation of the Archdiocese of Baltimore’s investment committee. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations, offering a range of advisory programs and portfolio management solutions tailored to clients’ risk profiles.

Philip Lee is a CFP® professional with 28 years of experience in financial services, currently serving at Morgan Stanley in Hunt Valley, MD. He has been with Morgan Stanley Smith Barney since 2010 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, employing a structured planning process supported by firm-approved tools and modeling techniques.

Janis Hofsass is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and over 43 years of industry experience. Her prior roles include positions at Grove Point Investments, H. Beck, Inc., and National Planning Corporation. Outside of her advisory work, she has served as a taste tester in the food and beverage industry. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, trusts, and charitable organizations, providing financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm offers a range of investment implementation strategies across multiple platforms, with discretionary and non-discretionary options tailored to client objectives and includes proprietary models as well as access to third-party managers.

John Vaccacio is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has previously worked at Cambridge Investment Research Advisors and Park Avenue Securities. Vaccacio also operates Maryland Financial Group, Inc., an independent investment advisory firm. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, and institutions. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by in-house and third-party research.

Timothy Twiss is a financial advisor with Ameriprise Financial Services who holds Series 63 and Series 65 credentials and has 35 years of industry experience. He has been with Ameriprise since 2005, working first with Ameriprise Financial Services, Inc. and then with Ameriprise Financial Services, LLC since 2020. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on income sources and tax-aware withdrawal strategies for clients nearing or in retirement.