Stephen Jozwick is a financial advisor at Merrill in Baltimore, MD, holding a Series 66 designation. He has experience working with OneMain Financial from 2016 to 2024 and joined Merrill and Bank of America, N.A. in 2026. 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.

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.

Paul Fallace is a financial advisor at Morgan Stanley in Baltimore, MD, with 21 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, Paul operates a lacrosse coaching and clinic business focused on youth skills training. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Katalin Jambor is a financial advisor at LPL Enterprise with nine years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, Bankers Life Securities, Bankers Life and Casualty, and Noushig, Inc. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate and charitable entities through a network of investment adviser representatives. The firm utilizes model-driven investment implementation with discretionary authority for certain programs and offers financial planning, access to third-party asset managers, and affiliated trust and insurance services.

Thomas Wetzler is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves on the Investment Committee of the Pickersgill Retirement Community, a nonprofit organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and models to support their investment strategies.

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 Series 66-licensed financial advisor with 23 years of industry experience. He has been with LPL Financial since 2006, following a two-year tenure at Hornor, Townsend & Kent, LLC. Outside of his advisory work, he is involved in non-variable insurance sales, including disability, health, long-term care, and life insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools and a large network of over 22,800 advisors.

Megan Mohr is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Her prior roles include positions at Stepstone Group and Market on Main. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved planning tools.

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.

Noor Bhatti is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and previously worked at Bank of America, N.A. Noor has also been involved in educational roles at Penn State Harrisburg, HACC, and Patapsco High School for the Center of the Arts. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Ramon Resendiz Jr. is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles in education at the Community College of Baltimore County, Lansdowne High Academy of Finance, and Lakeland Elementary Middle School. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Laura Michael is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and nine years of industry experience. She previously worked at Merrill for six years 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 capital market assumptions and research to tailor financial plans and portfolio management to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of financial products and capital markets services.

Tyler Grabner is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at Grove Point Advisors, LLC, Grove Point Investment, LLC, Grabner Financial, and T. Rowe Price. He is also involved with Grabner Financial, a separate business focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and asset management services through a large network of advisors, supported by advanced operational tools and multiple affiliated financial offerings.

Ian Frank is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022, following seven years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

David Schmelz is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 designations and bringing 47 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, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies that incorporate both in-house and third-party investment managers.

Cathy Whitestone is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with various Morgan Stanley entities since 2007, including Morgan Stanley & Co., Morgan Stanley Smith Barney, and the Morgan Stanley Services Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Andrew Heyman is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds Series 65 and Series 63 licenses. Prior to joining Morgan Stanley in 2022, he worked at Merrill for eight years and also held positions at VSR Financial Services and Kowitz Financial Group. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Stephanie Kormanis is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she is a managing member and general partner of Kormanis Properties LLC, a business related to a condominium in Ocean City, Maryland. 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 individuals, high-net-worth clients, and institutional accounts.