Asher Furst is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, AsherFurst.com, and involvement with community and educational organizations such as The Voice of Lakewood and Kollel of Greenspring Inc. 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 for individuals, high-net-worth clients, and institutional investors.

Robert Rogers is a financial advisor with Wells Fargo Clearing in Hunt Valley, MD, holding Series 63 and Series 65 credentials and 45 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent time at Citigroup Global Markets in 2008. 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, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

Dale Waters Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Waters is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range 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 tools and modeling techniques as part of its advisory process.

Raymond Sheedy is a Certified Financial Planner® with 17 years of industry experience. He is currently with Morgan Stanley, having held prior roles at Merrill and Bank of America. His recent positions include working at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models in its financial planning process.

Randall Becker is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm uses model-driven investment implementation and offers access to third-party asset managers and insurance products through affiliated entities.

Jordan Thompson is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. Prior to joining Merrill, he worked at T. Rowe Price and held various positions outside the financial sector, including roles related to global health supply chain management. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Deborah Starr is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. She has been with Raymond James & Associates since 2016. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser with approximately $501 billion in assets under management, serving a diverse client base including individuals, institutions, and municipal entities. The firm offers financial planning, non-discretionary investment consulting, and municipal advisory services, supported by a nationwide adviser network and a range of portfolio management styles.

Jason Sarratea is a financial advisor at Morgan Stanley with 29 years of industry experience. He has held positions at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis.

Shahzib Hussain is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2017. Prior to his finance career, he was involved with Glyndon Grill and Towson University. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

David Gately is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Morgan Stanley since 2010, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he serves as a basketball coach at Calvert Hall High School in Towson, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by proprietary tools and simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Andrew Horowitz is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Osaic Wealth since 2025. Prior to this, he spent 20 years with Lincoln Financial Advisors. In addition to his advisory role, he is an insurance agent offering disability, long-term care, traditional life insurance, and fixed annuities. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm provides both brokerage and advisory services through a multi-advisor platform that uses model-based asset allocation and portfolio optimization, supporting a range of investment programs and third-party manager options.

Mikaila Davis is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch since 2018. Prior to that, she held positions at Amazon, PNC Bank, and Teavana. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Monroe is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he held positions at State Employee Credit Union, Navy Federal Credit Union, and ValleyStar Credit Union. He also worked seven years at T-Mobile before transitioning into financial services. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

James Spies III is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors, MassMutual, MML Investors Services, Hornor, Townsend & Kent, and Waddell & Reed. Outside of advising, he is a partner in a brewery business, Makers House, LLC, where he serves in a consultative role. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a wide range of brokerage and advisory services with an investment approach centered on model-based asset allocation and portfolio optimization.

Charles Bostwick II is a financial advisor with LPL Enterprise, holding Series 66 and Series 63 licenses and having six years of industry experience. He has been with LPL Enterprise since 2025 and has a long tenure with American Family Insurance dating back to 1993. LPL Enterprise provides investment advisory and brokerage services to a diverse clientele, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated trust and insurance services.

Brett Moritz is a Wealth Management Advisor with more than 25 years of experience serving multiple generations of clients nationwide. He specializes in creating personalized wealth management strategies that align with clients’ real-world objectives. Brett emphasizes a disciplined process and clear communication to help clients navigate various market conditions and make informed financial decisions. His approach involves understanding each client's unique goals through meaningful conversations and offering straightforward advice tailored to their long-term plans. Brett holds a Bachelor's Degree from the University of Nebraska System and has earned several professional credentials, including Certified Investment Management Analyst (CIMA), Certified Investment Management Consultant (CIMC), and Personal Investment Advisor (PIA). He is affiliated with Merrill Lynch Wealth Management and emphasizes personalized service and collaboration in his practice. Outside of his professional work, Brett volunteers in his community and enjoys activities such as cooking, football, gardening, hiking, hunting, reading, swimming, and spending time with his family.

Kevin Kavanagh is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 designations and 49 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting, using research and analytics to guide portfolio construction while providing both brokerage and advisory solutions.

Connor Respass is a financial advisor at Merrill with Series 63 and Series 66 designations and one year of industry experience. His prior roles include positions at T Rowe Price and Bank of America, N.A., and he has professional experience in both academic and community settings, including ongoing involvement with JCC Owings Mills. 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 a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Laura Diamond is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011 and has 18 years of experience with Meadowbrook Pool outside of her advisory role. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Frederick Casper Jr. is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he owns a retail business called FCE Imaging in New Market, Maryland. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets, providing written, non-discretionary recommendation reports focused on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and automated tools overseen by committees to support advisors in delivering tailored retirement income advice.