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®-designated financial advisor with 24 years of industry experience. He currently works at Osaic Wealth, Inc. and previously spent 20 years at Lincoln Financial Advisors. Horowitz is also an insurance agent offering disability, long-term care, traditional life insurance, and fixed annuities. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and access to multiple investment platforms.

Robert Monroe is a Series 66-credentialed financial advisor at Merrill with one year of industry experience. His prior roles include positions at Navy Federal Credit Union, State Employee Credit Union, and ValleyStar Credit Union. 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 a broad 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 and MML Investors Services/Mass Mutual. Outside of his advisory role, he is a partner in a brewery business, Makers House, LLC, where he has a consultative role. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors. The firm offers a range of integrated financial services and employs various portfolio construction tools and third-party platforms to support customized investment management.

Charles Bostwick II is a financial advisor at LPL Enterprise with five years of industry experience. He holds Series 66 and Series 63 designations and has worked at LPL Enterprise since 2025. Prior to that, he has been with American Family Insurance since 1993. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and access to a range of brokerage and insurance products via its integrated platform.

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 with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 49 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory approach is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial product options than typical large institutional advisers.

Connor Respass is a financial advisor at Merrill with Series 66 and Series 63 credentials. He has held roles at Merrill since 2026 and previously worked at T Rowe Price from 2024 to 2026. Outside of his advisory work, he has been involved with educational institutions including the University of Maryland Global Campus and McDaniel College. 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 strategies for a range of individual and institutional investors.

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.

Clinton Forry is a Series 66 licensed financial advisor with eight years of industry experience. He has worked at Edward Jones since 2018 and previously was employed at Members 1st FCU from 2015 to 2018. Edward Jones is a wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm provides 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.

Shawn Halsey is a financial advisor with Morgan Stanley, holding a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent 12 years with Bank of America and Merrill. Outside of his advisory role, he serves on the Investment Committee as a board member at York College of Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Joseph O’Rourke is a CFP®-certified financial advisor with seven years of industry experience. He is currently with LPL Financial, having joined in 2026, and previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA from 2019 to 2026. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Kyle Tosh is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Enterprise. His prior experience includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Tosh serves as a board member of the Rising Sun Chamber of Commerce, contributing to community activities and event planning. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model portfolios, third-party asset management, and brokerage and insurance product access via an integrated platform combining adviser programs with product sales.

Zachary Mccaskill is a financial advisor with UBS Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley from 2015 to 2022 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 research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, including capital markets operations and affiliated banking programs.

Silvia Tergas is a financial advisor with LPL Enterprise, holding a Series 66 designation and 15 years of industry experience. She has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm combines advisory services with brokerage and insurance products through an integrated platform.

Robert Stankowski is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 registrations. Prior to joining LPL Financial in 2025, he worked at Grove Point Advisors, LLC and Grove Point Investments, LLC from 2009 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Aaron Schmerling is a financial advisor with LPL Enterprise based in Cockeysville, MD. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Steerpath Wealth, an investment-related business associated with LPL. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory, and brokerage services through an integrated platform that combines adviser programs with a range of financial products.

Jeffrey Wasserman is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2007. 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 financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling techniques.

Winnie Gebreyesus is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 license and 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is the sole proprietor of an online retail business in Baltimore, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, serving clients through both direct and corporate agreements.