Eric Franz is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. He is based in Baltimore, MD. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved methodologies to deliver tailored financial plans.

Jonathan Davidov is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the boards of several nonprofit and business organizations, including Sinai Hospital, LifeBridge Health, and Chill Ice Cream Solutions. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Brian Feeley is a financial advisor at OSAIC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors, Mass Mutual Investors Services, and MetLife Securities. Outside of advising, he manages rental properties as a sole proprietor. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, using a range of tools and third-party solutions to construct diversified portfolios tailored to client needs.

Carlos Vallejo Bustamante is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has worked previously at Merrill and several other companies across different sectors. 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 research. The firm manages approximately $2.74 trillion in client assets and provides services through a structured planning process without individual security recommendations as part of standalone plans.

Brandon Hepburn is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 66 licenses and having eight years of industry experience. He previously worked at Santander Bank, Santander Securities, and PNC Bank. Outside of finance, he is co-owner of Pro Experience!, LLC, where he provides web design and fitness and nutrition coaching to individuals. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services that include asset-allocation advice and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework in its recommendations.

Valerie Campbell is a financial advisor at Wells Fargo Advisors in Baltimore, MD, with 33 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill for 13 years and Wells Fargo Clearing for 2 years before joining Wells Fargo Advisors in 2018. She also owns and manages a private investment-related business, VALERIE A. CAMPBELL, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers comprehensive financial planning services and integrates advisory recommendations with various financial products and referral channels.

Annette Schiavone is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has worked at several firms, including Goldman Sachs Wealth Services and Ic Advisory Services, prior to joining Morgan Stanley in 2016. She serves as a member of the FINRA Series 6/7 committee and acts as a fiduciary trustee for an immediate family member’s trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs and financial planning services to individual and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and investment models as part of its financial planning process.

James Horris is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and seven years of industry experience. He previously worked at Lincoln Investment, Capital Analysts, Equitable Advisors, and Axa Advisors. Outside of finance, he owns businesses related to hair care and government affairs in Baltimore, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to various advisory and brokerage services, including financial planning, portfolio management, and institutional platforms.

Kristin Mccartin is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. 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 supported by firm-approved tools and a structured discovery process.

Scott Mcroy is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Merrill for 33 years before joining Ameriprise in 2009. In addition to his advisory work, Mcroy serves as Vice Chair of the Anne Arundel Medical Center Foundation Board and chairs the foundation’s Finance Committee. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with automated and personalized advice, focusing on assets managed within Ameriprise accounts.

Holly Hobbs is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 19 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for 13 years before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through various programs including corporate financial planning agreements.

Elizabeth Mciver is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

Terrance Dandridge is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2016 and previously spent three years at T. Rowe Price. Stifel serves a diverse client base, including individuals, institutional clients, and nonprofit organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Mark Altemus is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 33 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Andrew Frazier is a financial advisor at Osaic Wealth, Inc. with a Series 66 designation and one year of industry experience. His prior work history includes roles outside the financial sector at Annapolis Yacht Club, Kent Island Resort, Harvest Thyme Tavern, and Coopers Hawk Winery. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms and third-party money managers.

Melissa Gregory is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has worked with Morgan Stanley since 2016 and was previously involved with Basignani Winery from 2014 to 2017. Morgan Stanley Wealth Management offers advisory programs to both individual and institutional clients, providing tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and combines a range of investment and planning solutions across retail and institutional markets.

Nathan Gounaris is a financial advisor at RBC Capital Markets in Baltimore, MD, holding a Series 66 designation and having two years of industry experience. His prior roles include positions at City National Bank and multiple engagements with Elon University and Woodholme Country Club. Outside of his advisory work, he has experience connected to 1623 Brewing Co. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies and a range of advisory programs. The firm combines in-house and external investment management resources to provide discretionary and non-discretionary portfolio management, financial planning, and custody services.

Andrew Berkowitz is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering financial planning and estate strategies supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Anthony Lepore is a financial advisor at Morgan Stanley in Baltimore, MD, with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its related entities since 2013, previously working at Scottrade. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and 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 modeling techniques.

David Mott is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2013, having spent the past 11 years at Morgan Stanley Private Bank. Outside of his advisory work, he is involved in real estate ownership in Baltimore. Morgan Stanley Wealth Management serves both individual and institutional clients with 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 proprietary tools and market outlooks.