Patrick Mcculloh is a financial advisor with RBC Capital Markets in Baltimore, MD, holding a Series 66 credential and 12 years of industry experience. His prior roles include positions at City National Bank, Bank of America, N.A., and Merrill. Outside of his advisory work, he serves on the Board of Directors for Roland Park Place, Inc., a not-for-profit life plan retirement community, where he chairs the Investment Committee. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and utilizes both in-house and third-party investment managers.

Callum Redman is a financial advisor with Raymond James Financial in Columbia, MD, holding a Series 66 designation and three years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2022 and is also involved with Richard Wagener and Wagener-Lee LLC in administrative capacities. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Joan Giacomini is a financial advisor with Merrill, holding a Series 66 designation and six years of industry experience. Prior to joining Merrill in 2020, she worked for SmartBrief Inc. from 2005 to 2019 and had a brief role at Walking With Purpose in 2019. Merrill provides managed account services through the Select Portfolio Solutions program to a wide range of clients, including individuals, high-net-worth clients, and institutional investors. The firm offers model-based and discretionary investment strategies integrated within Bank of America’s broader financial platform.

Robert Kamya is a financial advisor with Wells Fargo Clearing in Washington, DC, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 14 years of industry experience, including prior roles at PNC Investments from 2011 to 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non‑qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Waheed Siddiqui is a financial advisor at Cetera with 22 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, he worked at CITIGROUP for 10 years. He is also a co-owner of Prestige Global Private Wealth, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, overseeing over $256 billion in assets through a network of more than 10,000 advisors.

Matthew Tew is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill, Bank of America, Morgan Stanley, and Howard County Public Schools. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Omar Jennings IV is a financial advisor with Equitable Advisors in Mt Airy, MD, holding a Series 66 designation and 15 years of industry experience. He has been with Equitable Advisors since 2010, including its predecessor AXA Advisors LLC. Outside of his advisory role, he is the sole member of a non-investment-related business entity, HUDSON THOMAS LLC. 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 LPL programs and third-party asset managers. The firm utilizes a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Patrick Hutchinson is a CFP® and holds a Series 66 license with 11 years of industry experience. He is currently with Morgan Stanley and has previously worked at Commonwealth Financial Network, Severn Financial Advisors, and Cambridge Investment Research. He is based in Baltimore, MD. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of financial planning and advisory programs supported by structured planning tools and a broad array of investment options.

Raymond Sutton is a financial advisor at Equitable Advisors with Series 63 and Series 66 licenses and one year of industry experience. His work history includes roles outside finance, such as at Turf Valley Resort and multiple educational organizations. He has been involved with the Elkridge Youth Organization for eight years. Equitable Advisors serves a wide range of clients, including individuals, high-net-worth individuals, retirement plans, corporations, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates primarily through LPL-sponsored programs and endorsed TAMPs, providing both discretionary and non-discretionary advisory solutions.

Mark Blackmer is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at PNC Investments for nine years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brian Dinka is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds the Series 63 and Series 65 designations. His prior experience includes roles at Morgan Stanley, PNC Investments, and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is based on investment policy statements and modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Khalila Taji Brokos is a financial advisor at LPL Financial with eight years of industry experience. She holds Series 63 and Series 66 designations and has worked with firms including M&T Securities and Charles Schwab. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and research from LPL Research.

Jeff Lin is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. His prior roles include positions at Grove Point Advisors, JBL Technology Solutions, and leadership of his own CPA firm, Jeff Lin CPA, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and proprietary research.

Deren Reid is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been with various divisions of Fidelity since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and offers oversight of affiliated and unaffiliated sub-advisers.

Amber Rizer is a financial advisor with Merrill, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Merrill since 2015. 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 plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to an extensive suite of financial products and services beyond typical advisory offerings.

Darwin Alfaro is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. He has been associated with Bank of America and Merrill since 2006. Outside of his advisory role, he is involved with Frenchman Creeks condo in New Carrollton, Maryland, a business activity he dedicates limited time to. 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.

Rachel Rivera is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at Henry J. Austin Health Center and has been involved with RWJBH Behavioral Health since 2013. Rivera serves as Committee Chair for Equity and Inclusion at the Financial Therapy Association. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a broad range of investment programs and strategies.

Kaitlyn Manning is a financial advisor at LPL Financial with eight years of industry experience. She holds Series 63 and Series 66 credentials and has worked at several firms including Cetera Advisor Networks, Massmutual, and Minnesota Life Insurance Company. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting supported by in-house and third-party research and technology solutions.

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.

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.