Scott Mcintyre is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Equity Fund Advisors, Cole Capital Corporation, Fisher Investments, and John Hancock Distributors. Outside of advisory roles, Mcintyre is active as a volunteer for a youth high school wrestling association and operates as an independent insurance agent and tax consultant. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports discretionary and non-discretionary management across multiple platforms and offers proprietary model strategies under the Founders Gate Capital brand.

Kevin Kavanagh is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 designations and 49 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting, using research and analytics to guide portfolio construction while providing both brokerage and advisory solutions.

Connor Respass is a financial advisor at Merrill with Series 63 and Series 66 designations and one year of industry experience. His prior roles include positions at T Rowe Price and Bank of America, N.A., and he has professional experience in both academic and community settings, including ongoing involvement with JCC Owings Mills. 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 a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Shawn Halsey is a financial advisor at Morgan Stanley with 25 years of industry experience and holds a Series 66 designation. His career includes roles at Morgan Stanley and Bank of America, with over a decade spent at Merrill and its affiliates. He serves on the Board of Trustees and the Investment Committee of York College of Pennsylvania. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of services including estate planning strategies and investment products.

Joseph O'Rourke is a CFP®-designated financial advisor with seven years of industry experience. He is currently with LPL Financial and previously held roles at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and PNC Bank. O'Rourke’s background includes a variety of positions within major financial institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, trust companies, and other institutions.

Mark Miller is a financial advisor with Ameriprise in Bel Air, MD, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team.

John Lomax is a Series 66-licensed financial advisor at Stifel with 29 years of industry experience, including 19 years at Stifel. He is based in Bel Air, MD. Stifel serves a diverse client base that includes individuals, institutions, charitable organizations, and municipal entities, offering brokerage and investment advisory services including fee-based financial planning and recommendations of third-party advisers. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market assumptions and probabilistic modeling to support client decision-making.

Kyle Tosh is a CFP® with 10 years of industry experience, currently serving at LPL Enterprise since 2024. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Bank of America, N.A., and Merrill. He is also a founding partner of Old Line Wealth Partners and serves as a board member of the Rising Sun Chamber of Commerce. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and provides access to financial planning, third-party asset managers, and affiliated trust and insurance services.

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 at LPL Enterprise with 15 years of industry experience. She holds the Series 66 designation and has worked previously at Prudential Insurance Company of America, Pruco Securities, LLC, and Securian Financial Services, Inc. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse clientele including individual and high-net-worth investors, retirement plans, banks, corporations, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers additional services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Robert Stankowski is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. His prior roles include positions at Grove Point Advisors, LLC, Grove Point Investments, LLC, and MSI Financial Services, Inc. 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 institutions. The firm offers a range of financial planning and investment management programs supported by research, technology, and a broad platform of affiliated financial services.

Aaron Schmerling is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Schmerling is also involved with Steerpath Wealth, a business activity related to his work at LPL. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

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.

Darius Lynch is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and one year of industry experience. He previously worked at T. Rowe Price and Morgan Stanley. Outside of finance, he works as a bartender at Outback Steakhouse. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Kelbaugh is a CFP® professional with 27 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Sarah Rosenthal is a Senior Portfolio Advisor and Financial Advisor at Merrill Lynch Wealth Management. She works closely with Gen X and Millennial families, women, business owners, and families with special needs loved ones to navigate complex financial decisions and create personalized wealth strategies aligned with their goals and values. With experience as a former small business owner and financial advisor, Sarah understands the unique challenges and opportunities in building financial security. She holds professional designations including Certified Financial Planner (CFP), Chartered Special Needs Consultant (ChSNC), and Personal Investment Advisor (PIA). She earned her bachelor's degree from Towson University and also attended Goucher College. Sarah is involved in professional and community organizations such as the Baltimore Estate Planning Council, Girl Scouts of Central Maryland, Itineris Baltimore, Cavalier Rescue USA, and Red Cross of Central Maryland. Outside of work, she enjoys hiking, knitting and crocheting, reading, spending time with her family, and watching movies.

James Duffy IV is a CFP® with 21 years of industry experience, currently serving at LPL Enterprise since 2024. His prior experience includes roles at Prudential Insurance Company of America for 20 years, Pruco Securities, LLC for 18 years, and Morgan Stanley DW Inc. for one year. Outside of his primary advisory role, he is involved with Frame Wealth Partners, focusing on comprehensive financial planning and the sale of insurance and investment-related products. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.