Christopher Gobrial is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill and Bank of America, he worked in various roles including mortgage services and the automotive industry. Outside of his advisory role, he assists with clerical and IT tasks at a medical practice operated by his mother. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, with portfolio implementation tailored to different risk and tax considerations.

Melanie Samoska is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Bank of America, N.A. and Merrill since 2016. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Demetrios Karagiorgis is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and previously worked at InFocus Financial Advisors and has experience in both education and contracting sectors. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Kieren Reilly Seivert is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015, following a three-year tenure at Mutual Of Omaha Investor Services, Inc. Outside of his advisory role, he is involved with Advisors Give Back, a civic and educational organization based in Oakland, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate broad retail and institutional offerings along with specialized investment and trading activities.

Christian Schwartz is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023. His prior work includes roles at Indiana University and TBH Global Asset Management. 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 investment committee insights.

Darren Sweeney is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 18 years. Outside of his advisory role, he owns a separate legal entity involved in warehousing and property purchases and is active as an insurance agent offering a range of insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios incorporating various asset types, and supports both discretionary and non-discretionary account management.

Russell Lagreca is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, following three years at Citigroup Global Markets. Outside of his advisory work, Lagreca serves on investment and finance committees for several nonprofit and community organizations in Maryland, including the Community Fund of Harford County, the Catholic Family Foundation, and The John Carroll School. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and scenario modeling as part of its financial planning process while generally acting in an advisory capacity without providing individual security recommendations.

Courtney Raney is a CFP® and Series 66 registered financial advisor with Wells Fargo Clearing, based in Millersville, MD. She has 14 years of industry experience and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics.

Elizabeth Phelan is a financial advisor with Merrill based in Baltimore, MD, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Merrill, Bank of America, N.A., BOFA Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a committee member for United Way Central Maryland, participates in the finance committee there, and is involved with the development committee at The Walters Art Museum. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Koorey is a financial advisor with LPL Financial in Linthicum, MD, holding Series 63 and Series 66 credentials and 32 years of industry experience. His prior roles include positions at Pruco Securities, Prudential Insurance Company of America, Mutual of Omaha, Merrill, and PNC Wealth Management. He is also involved with Tower Federal Credit Union and Tower Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Jackson Clements is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior roles include positions at RESCO Electronics and The Wine Post. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Aaron Meisner is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been advising clients for three decades. As a second-generation advisor, he primarily works with families seeking to grow and preserve their assets for a successful and secure retirement. Aaron focuses on a range of client needs, including education planning, family wealth management strategies, legacy planning, retirement income, and socially responsible investing. Throughout his career, Aaron has witnessed clients achieve key life milestones through careful financial planning, such as graduations, the birth of grandchildren, and retirement celebrations. He emphasizes developing personalized financial strategies tailored to each client's long-term goals, working closely one-on-one to create flexible plans that adapt to changing market conditions. Aaron holds a Bachelor's Degree from the University of Maryland College Park and has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He participates in the communities he serves through volunteer work. His personal interests include adventure sports such as biking, boating, hiking, rock climbing, skiing, photography, and traveling.

Prince Thomas is a financial advisor at Morgan Stanley with 22 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory work, he pursues DJing as a hobby, performing at weddings and restaurants on a quarterly basis. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs supported by structured planning processes and diverse investment capabilities.

Samuel Burgunder is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior roles include positions at JPMORGAN Chase Bank, N.A., and Hartree Partners, LP, as well as time spent at William & Mary. 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. As a subsidiary of J.P. Morgan, the firm delivers these advisory services alongside affiliated brokerage, distribution, and investment management capabilities.

Zakiyyah Muhammad serves as a Client Experience Advisor with Merrill Lynch Wealth Management. In this role, she works directly with clients to understand their financial situations and introduces them to a range of solutions available through Merrill and Bank of America. Her focus is on empowering clients to take control of their financial lives and select platforms aligned with their current needs. Zakiyyah holds a Personal Investment Advisor (PIA) designation. She earned her Associate's Degree from the Community College of Baltimore County and completed her high school education at Chesapeake High School. Her approach emphasizes helping clients identify what matters most to them and their families to develop strategies aimed at pursuing their financial goals.

David Bush is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its affiliates since 2009, following prior roles at Citigroup Global Markets and TD Ameritrade. Outside of his advisory work, he manages a personal rental property. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual engagements and corporate financial planning agreements.

Kreg Keeney is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His prior roles include positions at Raymond James & Associates and Deutsche Bank Securities Inc. since 2008. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, combining tailored financial planning and extensive asset management. The firm utilizes structured planning tools and advisory services supported by its Global Investment Committee.

David Huya is a financial advisor at Primerica Advisors with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica Advisors since 2014. Outside of his advisory role, he is a self-employed Tai Chi instructor. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-delivery strategies managed by unaffiliated asset managers and operates with support from BNY Mellon Advisors and Pershing for trade execution and custody.

Ryan Vermeulen is an Investment Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as a Financial Representative at Fidelity Investments from 2024 to 2025. He began his career with an internship in Business Development at SFG Wealth Management in 2023. In his current position, Ryan collaborates with individuals and their families to develop comprehensive financial plans tailored to their specific goals. His approach focuses on helping clients navigate their financial journeys with confidence. Outside of his professional life, Ryan's personal interests include beach activities, family time, fitness, football, golf, and traveling.

Joseph Arbogast, Sr. is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and possessing 21 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.