Robert Demuth is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank since 2015. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and firm-approved methodologies.

Richard Mutua is a Financial Advisor with Merrill Lynch Wealth Management. He works with professionals, families, and business owners to help them make clear and confident decisions despite financial complexities. His approach is strategic and analytical, focused on clarity, disciplined execution, and building long-term trust. He specializes in assisting busy professionals, growing families, and business owners with complex financial decisions including corporate executive services, equity compensation, endowments, foundations, nonprofit services, legacy planning, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. Richard emphasizes understanding his clients' unique goals to translate financial complexity into actionable steps and guide them through market shifts and life changes. Richard holds a Bachelor's Degree from the University of Nairobi and has earned the Professional Investment Advisor (PIA) designation. Outside of his professional work, he enjoys baseball, basketball, biking, boating, football, golfing, music, soccer, spending time with his family, and traveling.

Alexander Mairone is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2012 and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alison Sagi is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Merrill from 2018 to 2025 and spent six years at Johns Hopkins University prior to entering the financial sector. Sagi holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs structured financial planning tools, managing approximately $2.74 trillion in client assets.

Benjamin Hoffman is a financial advisor at Ameriprise with 25 years of industry experience. He has been with Ameriprise and its affiliates since 2006. Outside of his advisory work, he is a part-owner of a sports memorabilia business and is involved in managing business operations through his own LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

David Hicks is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at firms including Triad Advisors and OSAIC before joining Cetera in 2025. Outside of his advisory role, Hicks is a partner in a joint venture managing apartment rentals and serves as president of his own business entity. Cetera Investment Advisers LLC operates as a large multi-manager platform serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services and supports advisors with multiple program and custodial options.

Michael Stein is a financial advisor with Merrill based in Baltimore, MD, holding Series 63, 65, and 66 licenses and has 25 years of industry experience. His prior roles include positions at T. Rowe Price, PNC Bank, PNC Investments, PNC Wealth Management, and Wells Fargo Clearing. He also serves as a trustee for the Harry Curland Irrevocable Trust. 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 a diverse client base, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Judith Specht is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Wells Fargo Advisors since 2015. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and financial planning services that address a broad range of needs, including retirement, education, risk management, and specialized areas such as business-owner and special-needs planning. The firm employs Wells Fargo research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Garrett Atkins is a Series 66 licensed financial advisor at Equitable Advisors with three years of industry experience. He has been with Equitable Advisors since 2023 and previously spent time at the University of Alabama. Equitable Advisors serves a diverse client base including individuals of varying wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, utilizing both proprietary and third-party investment solutions.

Andrew Heird is a Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2019 and has been working in the financial services industry since 2017. In his role, Andrew focuses on wealth planning and client development, assisting clients with liquidity management, managing new wealth, and personal retirement planning. Andrew earned a bachelor's degree in Business, Organizations, and Society from Franklin and Marshall College in 2016. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ certification awarded by the College For Financial Planning. He also holds the Personal Investment Advisor (PIA) designation. Andrew lives in York, Pennsylvania, with his wife Bria, son Theodore, and their dog Russell. Outside of his professional responsibilities, he enjoys activities such as boating, fishing, football, golfing, hiking, hunting, scuba diving, and skiing.

Heather Sommerfield is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise since 2009, including six years with Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Ameriprise Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

William Cleary is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018 and previously spent five years at Axa Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning backed by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Christina Pascoe is a financial advisor with Cetera in Baltimore, MD, holding Series 63 and Series 66 licenses and 17 years of industry experience. Her career includes roles at First National Bank of PA, Wells Fargo Clearing, and Wachovia Bank, N.A. She has been with Cetera and its affiliated entities since 2023. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies, managing over $256 billion in assets.

Sherry Outen is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds the Series 66 designation and has been with UBS since 2005. Outside of her advisory work, she is involved with the Arundel Soccer Association, a nonprofit organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings.

Lindsey Arnold is a financial advisor at UBS Financial Services in Baltimore, MD, holding a Series 66 designation with 11 years of industry experience. She has been with UBS since 2015. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides research and capital markets solutions through its comprehensive platform.

Shamyia Smith is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with four years of industry experience. Her prior roles include positions at JPMorgan Chase Bank, J.P. Morgan Securities, and Fidelity Investments. Outside of her financial career, she has worked in the food service industry and participated in community sports and social organizations. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved planning tools.

Scott Brown is a CFP® with 20 years of industry experience, all with Edward Jones since 2006. He is based in Baltimore, MD, and holds a Series 66 license. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 financial advisors, offering a range of investment strategies including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

John Kurutz Jr. is a financial advisor with Morgan Stanley, holding Series 63 and 66 licenses and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured planning tools and a wide range of advisory programs.

Edmund Vasile is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 credential. He has experience at Morgan Stanley since 2024 and has also worked at DonorSearch and studied at Lehigh University. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and financial planning services supported by firm-approved tools and methodologies.

Timothy Hartnett is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at various J.P. Morgan affiliates since 2010. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.