Ashley Roy is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 designation. Roy has been with Morgan Stanley since 2023 and has prior experience at the University of Maryland - College Park, Boston College, and St. Mary's Annapolis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Luke Krmpotich is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Cambridge Investment Research and Morgan Stanley. In addition to his advisory role, he operates as an independent insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Alan Brennan is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, Brennan worked at the Henry M. Jackson Foundation for six years. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

John Gibson Jr. is a CFP® with 31 years of experience in the financial services industry, currently associated with LPL Financial since 2023. His prior roles include positions at Fulton Bank, Raymond James Financial Services, and M&T Securities. In addition to his advisory work, he serves as a notary in Annapolis, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Young Hwang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC for 21 years. Outside of his advisory work, he operates an insurance brokerage business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party asset managers and LPL programs. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored financial solutions.

Dianna Jones is a CFP® professional with 19 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, she worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is the president of the Beverly Beach Community Association, where she manages community affairs and events. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Benjamin Spiker is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Outside of his advisory role, he has co-ownership interests in several investment-related businesses, including a wealth management firm and office space ventures. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a wide range of planning solutions supported by Wells Fargo’s research and tools.

Colleen Schuler is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party subadvisors, and technology-driven strategies.

Mike Ellis is a financial advisor at Merrill in Annapolis, MD, with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill Lynch since 2011. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Ali Haider is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 designations and one year of industry experience. His prior work includes roles at Fidelity Direct Mortgage, JP Morgan Chase Bank, and PNC Bank. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Thomas Horst is a financial advisor at OSAIC with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years prior to joining OSAIC in 2023. Outside of his advisory work, he has been involved in insurance sales since 1999. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services and employs various asset-allocation tools and third-party solutions to manage diversified portfolios.

Kevin Howard is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ designation and is a licensed CPA. His career includes leadership of his own CPA firm and extensive experience with Flying Cloud Money Management, as well as recent roles at Avantax Investment Services. Outside of his advisory work, he serves as Treasurer for Columbia Pro Cantare, a nonprofit community choral organization, and the Conscious Business Association of Maryland. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, with options including discretionary and non-discretionary management as well as access to affiliated and third-party managers.

Christopher Ridgeway is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Merrill in 2024, he worked at Wells Fargo Clearing Services, PNC Bank, BBVA, and SunTrust Bank among other firms. 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 including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates with Bank of America’s broader platform, delivering access to a wide range of products and services.

Keith Hendrick is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support client financial goals.

Victoria Walker is a financial advisor with Raymond James Financial, holding a Series 66 designation and 12 years of industry experience. She has worked at Raymond James since 2019 and previously at Wells Fargo Clearing from 2012 to 2019. In addition to advising, she serves as Acting Branch Manager at Merriweather Money Management, overseeing branch operations and compliance. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, leveraging firm research and a broad affiliate network to support tailored client solutions.

Adina Lavoie is a financial advisor with Primerica Advisors in Annapolis, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. She has worked at PFS Investments Inc. and Primerica Financial Services since 2008 and is currently associated with Digi Financial. Outside of her advisory role, she serves as a consultant for Pourkys LLC. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts to individual and high-net-worth clients. The firm employs third-party asset managers and emphasizes a tiered wrap-fee structure.

Jeffrey Carlson is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as president of Nexus Group, Inc., a legal entity through which his staff is employed. Ameriprise provides a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Cynthia Brown is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and bringing 23 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a broad client base, including individuals, pension plans, corporations, and government entities, delivering non-discretionary planning and portfolio recommendations.

Stanley Omosa is a Series 66 credentialed financial advisor with nine years of industry experience, currently working at Merrill in Seabrook, MD. His work history includes roles at Bank of America, N.A., Merrill, and MassMutual. Outside of his advisory work, he serves in a guardianship role involving child care. 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.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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.