Robert Declement is a financial advisor at Merrill with 23 years at the firm and 11 years of industry experience. He holds a Series 66 designation. Outside of his advisory role, he serves on the advisory board of Junior Achievement-Central Maryland, a nonprofit organization focused on preparing young people for economic success. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pensions, corporations, and charitable organizations.

Zach Taylor is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley, he worked at Baltimore Washington Financial Advisors and has a background that includes educational roles at Virginia Tech and DeMatha Catholic High School. Outside of finance, he was involved with The Big Bean for two years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools to model financial outcomes, serving clients primarily in an advisory capacity.

Amy Mc Elhose is a financial advisor at Merrill with a Series 66 designation and 4 years of industry experience. She has been with Merrill since 2005. Outside of her advisory role, she is the author of the book *Didi—The Life and Death of a Hidden Artist*. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Avi Greenlinger is a financial advisor at RBC Capital Markets with 22 years of industry experience. He holds a Series 66 credential and has worked at City National Bank, Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Greenlinger serves on the boards of several Baltimore-based nonprofit organizations, including Jewish Educational Services and the Jewish Community Federation of Baltimore. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base ranging from individual investors to institutions and charitable organizations. The firm offers tailored investment strategies supported by a combination of in-house and third-party managers, with services that include portfolio management, financial planning, and custody.

William Persons is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 32 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. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive advisory programs and tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of investment and planning services.

Kirby Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 46 years of industry experience. His career includes prior roles at Ameriprise Financial Services and Morgan Stanley. Outside of his advisory work, he serves as an affiliate professor teaching portfolio management at Loyola College of Maryland and performs wedding officiant duties in his community. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement consulting to individual, corporate, and institutional clients. The firm uses research and analytics to support its investment approach and offers both brokerage and advisory solutions at scale.

James Orders II is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 1994. He is a member of the Roche Hans Orders Group, where he focuses on corporate retirement plans, including 401(k) and defined-contribution plans, servicing high-net-worth clients as well as managing the team's fixed-income investments. His client base includes successful business owners, physicians, retirees, wealthy families, and endowments in Baltimore, Maryland, and nationwide. James holds a Bachelor's degree in Sociology and Education from Roanoke College. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). He works closely with clients, their accountants, and attorneys to keep tax minimization and estate planning strategies aligned with investments and liabilities. James resides in Arnold, Maryland, with his wife and their three children. His personal interests include boating, fishing, reading, and spending time with his family.

Christina Boyer is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015, following four years at Wells Fargo Clearing. 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 supported by internal and third-party managers.

Evan Riss is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Merrill Lynch and Financial Gravity Family Office Services. Outside of finance, he is involved in lacrosse officiating and coaching with the Southern Lacrosse Officials Association, National Intercollegiate Lacrosse Officials Association, and Zingos Lacrosse Club. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services that utilize structured discovery and firm-approved tools to model financial outcomes.

John Magiros is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and with 19 years of industry experience. Since 2009, he has worked with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association. He is involved in a trust-related business activity outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Richard Dix is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and over 22 years of industry experience. His career includes roles at multiple firms such as Securities America Advisors and The Marshall Financial Group. Outside of advisory work, he is an owner and partner of S2 Financial Partners LLC and has experience as an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individual, institutional, pension, and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through numerous financial professionals and manages a multi-billion dollar asset base across multiple platforms.

James Ryan is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley and its affiliates since 2009, including prior work at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes firm‑approved planning tools and strategic modeling in its advisory process.

Robert Budde is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Prior to joining LPL, he worked for M&T Securities, Inc. for 18 years and has been associated with Allfirst Brokerage Corporation and Allfirst Bank since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning, portfolio management, and institutional platforms to individuals, retirement plan participants, banks, and trust companies.

Tania Banach is a Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 2018 after working with Bank of America and Merrill starting in 2015. Tania holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Throughout her career, Tania has worked with a diverse range of clients, from young professionals to retirees, assisting them in navigating the financial markets. Her areas of expertise include investment planning, retirement planning, estate planning services, and wealth management. She focuses on creating comprehensive financial strategies tailored to each client's needs and goals, employing a disciplined process that begins with listening to clients to ensure alignment with their objectives. Outside of her professional role, Tania participates in community activities, including involvement with Junior Achievement of Central Maryland. She enjoys staying active through yoga, hiking, biking, music, reading, running, swimming, and traveling.

Dustyn Debernardo is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. His prior roles include positions in education at Towson University and Baltimore County Public Schools. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios including mutual funds, ETFs, and ETPs.

Destiny Perry is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2023, Perry worked at Wells Fargo Bank and Wells Fargo Clearing, and has experience at Bank of America, Merrill, PayPal Inc., and FedEx Office. Outside of financial advising, Perry has a role in automotive sales and marketing with CarMax in Ellicott City, Maryland. 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 employs a structured financial planning process that uses its Global Investment Committee’s estimates and modeling tools.

Craig Schelle is a Senior Financial Advisor at Merrill Lynch Wealth Management based in the Baltimore office. He has been with Merrill since 1990, focusing on developing, implementing, and managing wealth strategies that align with clients' risk tolerance and financial goals. His approach includes regular reporting on portfolio results and advising clients on necessary adjustments to their financial plans. Craig’s expertise spans a range of client focus areas, including education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Hampden-Sydney College. Prior to joining Merrill, he worked at Sovran Bank from 1986 to 1990. Outside of his professional role, Craig is active in community service and volunteers with local organizations. His personal interests include biking, fishing, football, hiking, hunting, traveling, and watching movies. He resides in Hunt Valley, Maryland, is married, and has two children.

Josefina Sanchez is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Primerica Advisors since 1987 and has concurrently worked with Marieta S. Caragay, M.D. since 2014. Outside of advisory services, she is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Daniel Leatherman is a financial advisor at Cetera with 28 years of industry experience and holds the Series 66 designation. He has worked at Avantax in various capacities from 2012 to 2025 and has been operating his own CPA and financial services practice since 2006, providing accounting, tax preparation, and financial planning services. Leatherman also has a background in law enforcement training. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program structures.

Michael Gula is a financial advisor with Fidelity Investments based in Towson, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he worked in the restaurant and hospitality sector with companies such as Martuscelli Restaurant Group and Taverna Rustic Italian. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm also supports multiple registered investment companies and develops model portfolios using systematic methodologies and long-term asset allocation benchmarks.