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 18 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009. Prior to that, she was with Citigroup Global Markets. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and the use of firm-approved planning tools, with a range of investment and financial services.

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 financial advisor with Merrill based in Hunt Valley, MD, holding a Series 66 designation and eight years of industry experience. He has been with Bank of America, N.A. and Merrill since 2017. Outside of his advisory role, he has been involved with the University of Maryland Pediatric Associates since 2016. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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.

Matthew Braerman is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise in 2025, he worked in the hospitality industry and held roles at Loyola University Maryland and Loyola Blakefield. Outside of his advisory role, he has experience working as a bartender at Lib's Grill. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model wealth portfolios and third-party asset management programs through both advisory and brokerage channels.

David Anderson is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. His prior roles include positions at Truist Advisory Services, Truist Investment Services, and BB&T Securities. He also operates an independent investment-related business, DANDERSON121449, LLC. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including retirement, education, risk, and wealth-transfer planning, using proprietary research and tools to develop tailored client recommendations.

Marcus Grubb is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a Financial Advisor since 2001 and brings extensive experience in helping clients pursue a wide range of financial objectives, including college education planning, family wealth management strategies, liquidity management, retirement planning, philanthropic planning, tax minimization, and portfolio management services. Marcus graduated from the University of Maryland, College Park in 1998 with a degree in Economics. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Marcus is also a qualified Portfolio Manager able to build and manage personalized or defined investment strategies on a discretionary basis. A lifelong resident of Harford County, Maryland, Marcus grew up in Havre De Grace and currently lives in Fallston with his wife Kysa and son Noah. He is involved in community activities, including past participation in the local Lion’s Club. In his personal time, Marcus enjoys cooking, fishing, hunting, and spending time with his family.

Taylor Currie is a financial advisor at Merrill with a Series 66 designation and has been in the industry for under one year. Prior to joining Merrill, Taylor held positions at Bank of America, Warby Parker, and Optum (United Health Group). Outside of financial services, Taylor has experience working with Spelman College and the Columbia Association. 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 broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Sean Carter is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Bankers Life and roles during his time at the University of Maryland. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Sebastian Buonato III is a financial advisor at Morgan Stanley with 36 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as a board member for the Howard County Youth Hockey Club in Columbia, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning and managing approximately $2.74 trillion in client assets.

Mary Mc Carthy Melton is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 licenses and has previous experience at T. Rowe Price and Bank of America. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies constructed by its Chief Investment Office with services offered across Bank of America’s broader platform.