Molleda Koy is a financial advisor at Morgan Stanley with 23 years of industry experience and holds a Series 66 designation. She has worked at Morgan Stanley Smith Barney LLC since 2013. Outside of her advisory role, she is involved with THE NIGHT WATCHMAN LLC, a casting crew business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by proprietary tools and established investment committees.

Robert Norton is a Series 66 licensed financial advisor at Merrill with 13 years of industry experience. He has worked at Bank of America, N.A. since 2014 and Merrill Lynch, Pierce, Fenner And Smith Incorporated since 2012. 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.

Brian Conrad is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at Edward Jones since 2002. He holds Series 63 and Series 65 licenses. Outside of his advisory role, Conrad is involved in maritime assistance as an occasional captain for Tow Boat U.S. Annapolis Baltimore/Middle River and holds positions on the Anne Arundel County Ethics Board and Police Accountability Board. He is also the owner of Oakley Aviation, LLC, established for aircraft ownership. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with a nationwide network of approximately 23,701 financial advisors and 15,121 branch offices.

Dan Wittig is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2018. He focuses on helping families navigate complex financial challenges, including investment strategy, retirement planning, tax efficient investing, and multigenerational family wealth planning. Dan has been with Fidelity Investments since 2013, progressing through several roles including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, he worked as a Financial Advisor at RiverBay Investments from 2010 to 2013. Outside of his professional career, Dan enjoys boating, sailing, music, and spending time with his family.

Neziah Osayi is a financial advisor at Charles Schwab with a Series 66 credential and experience beginning in 2026. Prior to joining Schwab, Osayi worked at H&R Block and has an academic background connected to the University of Rochester. Charles Schwab & Co., Inc. serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management along with integrated brokerage and custody services.

Jason Henderson is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He partners with clients to develop, implement, and monitor customized financial strategies aligned with their unique goals. With over 17 years of experience, he leverages Fidelity's advanced tools and resources to provide guidance that helps clients make confident financial decisions. Prior to his current position, Jason was a Financial Consultant at Fidelity Investments from 2022 to 2025. He also served as Vice President and Premier Banker at Truist from 2016 to 2022, and as Assistant Vice President and Financial Center Manager at Bank of America from 2009 to 2016. Jason holds a California Insurance License. Outside of his professional work, his personal interests include fitness, football, museums, outdoor adventures, reading, and traveling.

Frank Link II is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 credentials and having 35 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs with a focus on tailored financial planning supported by structured discovery processes and firm-approved tools.

Harold Hunt Jr. is a financial advisor at OSAIC with 27 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Cantella and Co., Inc., and Securities America Advisors. In addition to his advisory role, he teaches as an adjunct professor at Anne Arundel Community College. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios that include various asset types on both discretionary and non-discretionary bases.

Karl Campbell is a financial advisor with Ameriprise in Columbia, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advisory work, he is the owner of CampusNIL Corporation, a student savings platform that provides financial benefits and discounts to college students across the U.S. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning, including tax-aware withdrawal strategies and Social Security options, delivered through a collaborative, non-discretionary process.

Geoffrey Mcclenney is a Wealth Management Advisor with 12 years of experience, currently affiliated with Merrill Lynch Wealth Management. He specializes in delivering a comprehensive, client-centered approach to wealth management that focuses on understanding clients’ financial situations and personal priorities. Geoffrey helps develop customized strategies that are adaptable to changing client needs and market conditions, leveraging investment insights from Merrill and banking and lending solutions from Bank of America. His areas of expertise include services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, and retirement income planning. Geoffrey holds a Bachelor's degree and a Master's degree from the University of Baltimore. He is a CERTIFIED FINANCIAL PLANNER (CFP) and a Personal Investment Advisor (PIA). He follows the Merrill tradition of community participation and spends time volunteering with local organizations. Outside of his professional activities, Geoffrey has interests in basketball, chess, and traveling.

Matthew Wallace is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill Lynch. Outside of finance, he was involved with Ken's Creative Kitchen from 2015 to 2017. RBC Wealth Management serves a broad client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs with customizable portfolio management, financial planning, and brokerage services.

Kristin Adam is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Wells Fargo, she spent 15 years working at Friends and Family Flooring. Outside of her advisory role, she owns a rental property in Ocean City, MD. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to a broad range of individual, corporate, and institutional clients.

Stacey Wildberger is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. She 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 discretionary and non-discretionary advisory options. The firm’s approach 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 menus.

Kristin Long is a Certified Financial Planner (CFP®) with 28 years of experience in the financial services industry. She is currently with Morgan Stanley, having held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney llc, Bank of America, and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market modeling techniques.

Shane Seaberry is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior experience at Babson College and The Maret School. Ameriprise offers a retirement-income planning service tailored to individuals approaching or in retirement, focusing on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver written, non-discretionary recommendation reports through a centralized consulting team.

Andrew Di Ferdinando is a financial advisor at Fisher Investments with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Northwestern Mutual in various capacities from 2015 to 2017. Fisher Investments serves a global client base that includes institutional and private investors such as pension plans, foundations, and high-net-worth individuals. The firm provides discretionary portfolio management with a centralized investment approach that combines quantitative and qualitative analysis, implementing tax-aware processes and risk management strategies.

Mackenzie Watson is a CFP® and Series 66-licensed financial advisor at LPL Financial with four years of industry experience. Prior to joining LPL Financial, Watson worked at Charter Financial Group and held positions at Uber Inc., RZIM, SunTrust Inc., and the University of Maryland. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Thomas Carter III is a financial advisor at RBC Capital Markets with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at RBC Capital Markets since 2008 and City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, corporations, and charitable organizations with a variety of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm implements client-specific strategies using both in-house and third-party managers and integrates capital markets and alternative investments into its offerings.

Keith Manning is a financial advisor at LPL Financial with 32 years of industry experience. He holds the PFS™ designation along with Series 63, 65, and 66 licenses. His prior experience includes roles at Grove Point Advisors, LLC, Lighthouse Financial Services, Grove Point Investments, LLC, and Kamins & Manning, P.C., where he is involved in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management services through a large network of investment adviser representatives, utilizing both proprietary research and third-party asset managers.

Kellie Forst is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the Harrell Group based in Annapolis. Since joining Merrill Lynch in 2007, she has focused on providing holistic wealth management services by developing customized strategies that address clients’ entire financial situations. Kellie assists affluent and high net worth individuals, small businesses, and non-profit organizations with goals including retirement income, education planning, socially responsible and ESG investing, and portfolio management. Kellie holds a Bachelor of Science degree in Economics from the University of Maryland College Park. She has earned several professional designations, including the CERTIFIED FINANCIAL PLANNER® certification, Chartered Retirement Planning Counselor™ designation, Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her approach emphasizes educating clients and helping them pursue their financial objectives while managing risks prudently. Based in Millersville, Maryland, Kellie lives with her husband and son. Outside of her professional role, she enjoys cooking, interior decorating, reading, sewing, and spending time with her family. She is also affiliated with the Sigma Kappa organization.