Amber Rizer is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Rachel Rivera is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at Henry J. Austin Health Center and has been involved with RWJBH Behavioral Health since 2013. Rivera serves as Committee Chair for Equity and Inclusion at the Financial Therapy Association. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a broad range of investment programs and strategies.

Kaitlyn Manning is a financial advisor with LPL Financial in Catonsville, MD, holding Series 63 and Series 66 credentials and bringing eight years of industry experience. Her prior roles include positions at Cetera Advisor Networks, Minnesota Life Insurance Company, and Massmutual, among others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

Paul Fallace is a financial advisor at Morgan Stanley in Baltimore, MD, with 21 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, Paul operates a lacrosse coaching and clinic business focused on youth skills training. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Thomas Wetzler is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves on the Investment Committee of the Pickersgill Retirement Community, a nonprofit organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and models to support their investment strategies.

Megan Mohr is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Her prior roles include positions at Stepstone Group and Market on Main. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that 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.

Laura Michael is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and nine years of industry experience. She previously worked at Merrill for six years before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets services.

Alana Keeley is a financial advisor at Edward Jones with 17 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cathy Whitestone is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with various Morgan Stanley entities since 2007, including Morgan Stanley & Co., Morgan Stanley Smith Barney, and the Morgan Stanley Services Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Schimri Yoyo is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, Schimri partners with clients to help them identify opportunities and progress toward their financial goals, focusing on simplifying investing through education and empowerment. Prior to joining Fidelity Investments, Schimri held positions as a Financial Planner at Bridgemark Wealth Management from 2019 to 2020, a Financial Advisor at Delaware Valley Advisors from 2018 to 2019, and a Registered Representative at Foresters Financial from 2016 to 2018. Schimri holds a California Insurance License. Outside of professional responsibilities, Schimri has interests in football, movies, music, reading, and writing.

Stephanie Kormanis is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she is a managing member and general partner of Kormanis Properties LLC, a business related to a condominium in Ocean City, Maryland. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Dawn Biedenkapp is a financial advisor at Morgan Stanley in Baltimore, MD, with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including nine years with Morgan Stanley Services Group Inc. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a variety of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools.

Jeremy Schwendeman is a CFP®-certified financial advisor with 17 years of industry experience, currently affiliated with Morgan Stanley in Baltimore, MD. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Angelena Hayes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has also worked at Wells Fargo Bank NA since 2006. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Scott Cannon is a financial advisor at Raymond James Financial with 11 years of industry experience. He holds a Series 66 designation and is based in Ellicott City, MD. In addition to his advisory work, he owns Chesapeake Tax Services, LLC, which provides tax preparation services. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized services, including municipal and public finance advisory.

Eric Graffe Ostos is a Financial Consultant currently working at Fidelity Investments. He has held various roles within Fidelity, including Investment Consultant in 2024 and High Net Worth Service Associate from 2022 to 2024. Prior to joining Fidelity, Eric was a Financial Adviser at Edward Jones Investments from 2019 to 2021. His professional experience spans multiple facets of financial consulting, focusing on creating tailored financial plans that align with clients' unique goals and aspirations. Eric aims to simplify financial concepts and empower clients to feel optimistic about their financial futures. Outside of his professional work, Eric has interests in art, soccer, and traveling.

John Mele is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 credential and bringing 23 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. Outside of his advisory work, he is a partner in Marathon Horizon LLC, a real estate venture based in Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs for individual and institutional clients, including customized financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market projections to support financial plans, which clients are responsible for implementing.

Vertti Iso Ahola is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has previously worked at Commonwealth Financial Network and Ameriprise Financial Services. He also engages in fixed insurance sales as part of his business activities. 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 portfolios, third-party asset management, and institutional platforms.

Frank Carbone is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2017 and has been with Bank of America, N.A. since 2018. Prior to that, he spent one year at Howard Bank. 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 range of clients, including individuals, high-net-worth investors, and institutional entities.

Aaron Shapo is a Series 66 licensed financial advisor with Equitable Advisors in Columbia, MD. He joined the firm in 2025 and has prior experience working with Communities First Inc. and the Bender JCC of Greater Washington. He also held various roles during his time at Michigan State University. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, often utilizing third-party asset managers and advisory programs.