Ariana Mary Waitkavicz is a financial advisor at UBS Financial Services with eight years of industry experience. She has been with UBS since 2017 and holds a Series 66 designation. She is based in Hunt Valley, MD. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances while offering a wide range of capital markets services.

Patrick Vaughan is a financial advisor with RBC Capital Markets, holding a Series 63 designation and 43 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile through a combination of in-house and third-party investment managers.

Gavin Potterfield is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at the University of Louisville, Delta Financial Advisors, and Humana Inc., as well as experience outside finance at Hightopps Bar and Grille. Merrill provides managed account services primarily 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, and institutional investors.

Joseph Boddiford III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and having 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009, Morgan Stanley Private Bank since 2015, and Citigroup Global Markets since 2006. He volunteers with the James V McMahan Commission on Veterans Affairs, coordinating veteran community activities. Morgan Stanley Wealth Management serves 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 uses structured planning tools and analyses provided by its Global Investment Committee.

William Coleman Jr. is a financial advisor at LPL Financial with 17 years of industry experience. He previously worked at MML Investors Services Inc and MassMutual Life Insurance Company for 15 years. Coleman holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves as a board member at Hillendale Country Club and is involved in a for-profit insurance-related board position. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michelle Sin is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. Michelle's approach focuses on connecting all aspects of her clients' financial lives to help prioritize and pursue their most important goals. Michelle graduated from Towson University in 1995 with a bachelor's degree in Business Administration, concentrating in Finance. She began her career at Morgan Stanley, where she worked for 10 years, followed by three years at Ferris Baker Watts before joining Merrill Lynch with her team. She holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Michelle resides in Bel Air with her husband and three sons. She is active in the Korean-American community and volunteers at her sons' schools. Her community involvement includes participation with the Bel Air Chem Free Association, Bel Air High School, Bel Air Rec Council, FOBAS, and Harford Technical High School. In her free time, Michelle enjoys cooking, music, reading, tennis, traveling, yoga, and spending time with her family.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience before joining the firm. He has worked previously at Bank of America, N.A., OneMain Financial, and had a period of self-employment. 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 wide range of clients, including individuals, pension plans, and charitable organizations.

Dennis Facius is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 65 and Series 66 licenses and has an extensive background at MassMutual and MML Investors Services, where he worked for over three decades. In addition to his advisory role, he is involved in selling disability, health, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory services, utilizing model portfolios, research from multiple sources, and advanced technologies across discretionary and non-discretionary management programs.

Benjamin Lanser is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Janney Montgomery Scott LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment products.

Guy Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 36 years of industry experience. He previously worked at VOYA Financial Advisors from 2014 to 2021 and has been with Cetera and Cetera Wealth Services since 2021. Outside of his advisory role, he is also an independent insurance agent and is involved with INOVA Financial Associates. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Frederick Davis is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and previously worked at Merrill for eight years before joining Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process involves structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Katalin Jambor is a financial advisor at LPL Enterprise with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, and Bankers Life. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products via its integrated platform.

Aaron Stephenson is a CFP® and holds a Series 66 license with 10 years of industry experience. He has been with Edward Jones since 2014, based in Bel Air, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Clayton Ulman is a financial advisor with LPL Financial who holds a Series 66 designation and has 22 years of industry experience. He has been with LPL Financial and its predecessor firm since 2006. In addition to his advisory role, he is involved in the sale of disability, health, long-term care, and life insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Ferdinand Fiastro is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 18 years of industry experience with prior roles at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. Fiastro maintains an active insurance agent role, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Jeffrey Harris is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Kristopher Ewers is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and one year of industry experience. His prior work includes roles at PNC Private Bank, Pro Grass LLC, Bradleys Wine and Spirits, and Shoprite. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside its Financial Advisors and Estate Planning Strategies Group.

John Fisher is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2012. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Noor Bhatti is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Bhatti worked in the service industry and held roles in education at Penn State Harrisburg, HACC, and Patapsco High School for The Center of The Arts. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Jones Jr. is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Fidelity, Avantax, Bank of America, Merrill, and Bluemount Financial. Outside of his advisory career, he operates Sonic Squirrel Productions, providing video editing and music composition services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers.