Joann Stout is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2011. 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, managing approximately $2.74 trillion in client assets.

Linda Schwab is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 licenses and 36 years of industry experience. She has been with LPL Financial since 2021 and also maintains a role with M&T Securities since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research, model portfolios, and diverse investment strategies.

Katrina Warkoczewski is a financial advisor at Merrill with 12 years of experience, including 9 years in the industry. She holds the Series 66 designation and has been with Merrill since 2014. Merrill provides managed account services to Bank of America fiduciary clients through its 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. The firm’s integration with Bank of America enables access to a broad set of financial products and services.

Brian O'Neil is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1979. He manages individual portfolios by formulating risk-managed asset allocations focused on a select number of investments. Brian works collaboratively with clients’ attorneys and CPAs to align portfolios with estate planning goals and strategies for tax minimization. He serves a diverse client base including corporate executives, entrepreneurs, physicians, attorneys, retirees, and multiple generations across 15 states. Brian holds a Bachelor's degree in Business Administration from Loyola College in Maryland and carries the Personal Investment Advisor (PIA) designation. His areas of expertise include portfolio management, family wealth management strategies, international wealth management, liquidity management, philanthropic planning, tax minimization, and retirement income planning. In addition to his professional work, Brian serves on the Board of Trustees for The Boys' Latin School of Maryland. He lives in Ruxton, MD, with his wife Ann and is active in his community.

James Metzbower Jr. is a financial advisor at LPL Financial with 23 years of industry experience. He previously worked for eight years at Lincoln Financial Advisors before joining LPL Financial. He holds Series 63 and Series 65 designations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research-supported model portfolios.

Stephen Goldstein is a CFP® with 32 years of industry experience, currently with RBC Capital Markets since 2025. He previously worked at Janney Montgomery Scott for 16 years. He serves as a committee member on the board of the Chizuk Amuno Foundation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Frank White IV is a CFP® credentialed financial advisor with six years of industry experience. He is currently affiliated with RBC Capital Markets and City National Bank, where he has worked since 2019. Prior to his current roles, he was employed at Apex Tool Group, LLC from 2011 to 2019. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a variety of wrap fee advisory programs and customizes investment strategies based on clients’ Advisory Risk Profiles, utilizing both in-house and third-party investment managers.

Bokah Worjoloh is a financial advisor with Primerica Advisors in Reisterstown, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Primerica Financial Services since 2003 and has a background in commercial construction from 2014 to 2017. Worjoloh also owns Worjoloh Financial Solutions Corp., an entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered percentage-based wrap fee structure.

Danijta Torres Harris is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015 and Bank of America, N.A. since 2024. Outside of her financial career, she has been involved with Sheraton Baltimore North since 2011. 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.

Howard Soltoff is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with MML Investors Services, Inc. since 1996. Outside of his advisory role, he is involved as a sales agent with Tribridge Partners, LLC, focusing on various life, health, disability, fixed annuities, and long-term care insurance products. MML Investors Services, LLC 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, and educational seminars, with planning engagements structured as ongoing collaborations that produce written recommendations based on detailed client data and firm-approved analytical tools.

Kevin Bultman is a financial advisor at LPL Financial with 37 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He is also involved with The BJ Executive Group, a business entity used for tax and investment purposes. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Ariana Mary Waitkavicz is a financial advisor at UBS Financial Services with eight years of industry experience. She has been with UBS since 2017 and holds a Series 66 designation. She is based in Hunt Valley, MD. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances while offering a wide range of capital markets services.

Patrick Vaughan is a financial advisor with RBC Capital Markets, holding a Series 63 designation and 43 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, institutional clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile through a combination of in-house and third-party investment managers.

Gavin Potterfield is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at the University of Louisville, Delta Financial Advisors, and Humana Inc., as well as experience outside finance at Hightopps Bar and Grille. Merrill provides managed account services primarily 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, and institutional investors.

Joseph Boddiford III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and having 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009, Morgan Stanley Private Bank since 2015, and Citigroup Global Markets since 2006. He volunteers with the James V McMahan Commission on Veterans Affairs, coordinating veteran community activities. Morgan Stanley Wealth Management serves 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 uses structured planning tools and analyses provided by its Global Investment Committee.

William Coleman Jr. is a financial advisor at LPL Financial with 17 years of industry experience. He previously worked at MML Investors Services Inc and MassMutual Life Insurance Company for 15 years. Coleman holds Series 63 and Series 65 credentials. Outside of his advisory role, he serves as a board member at Hillendale Country Club and is involved in a for-profit insurance-related board position. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michelle Sin is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. Michelle's approach focuses on connecting all aspects of her clients' financial lives to help prioritize and pursue their most important goals. Michelle graduated from Towson University in 1995 with a bachelor's degree in Business Administration, concentrating in Finance. She began her career at Morgan Stanley, where she worked for 10 years, followed by three years at Ferris Baker Watts before joining Merrill Lynch with her team. She holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Michelle resides in Bel Air with her husband and three sons. She is active in the Korean-American community and volunteers at her sons' schools. Her community involvement includes participation with the Bel Air Chem Free Association, Bel Air High School, Bel Air Rec Council, FOBAS, and Harford Technical High School. In her free time, Michelle enjoys cooking, music, reading, tennis, traveling, yoga, and spending time with her family.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience before joining the firm. He has worked previously at Bank of America, N.A., OneMain Financial, and had a period of self-employment. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients, including individuals, pension plans, and charitable organizations.

Dennis Facius is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 65 and Series 66 licenses and has an extensive background at MassMutual and MML Investors Services, where he worked for over three decades. In addition to his advisory role, he is involved in selling disability, health, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory services, utilizing model portfolios, research from multiple sources, and advanced technologies across discretionary and non-discretionary management programs.

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.