Thomas Ofarrell is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at RBC Capital Markets since 2009 and has been with City National Bank since 2019. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers various 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.

Ashley Roy is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 designation. Roy has been with Morgan Stanley since 2023 and has prior experience at the University of Maryland - College Park, Boston College, and St. Mary's Annapolis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Luke Krmpotich is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Cambridge Investment Research and Morgan Stanley. In addition to his advisory role, he operates as an independent insurance agent. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Levi Bean is a financial advisor with OSAIC, holding a Series 66 credential and seven years of industry experience. Prior to joining OSAIC in 2025, he spent eight years with Lincoln Financial Advisors and six years at Mount St. Mary's University. Outside of his advisory role, he coaches a youth ice hockey team and works as an employee producing sharp edge tester caps. OSAIC serves a diverse range of clients including individual, high-net-worth, institutional, and charitable organizations, offering integrated brokerage, advisory services, and access to multiple investment platforms. The firm employs asset-allocation tools and supports various portfolio management approaches, including discretionary and non-discretionary accounts with client-imposed investment restrictions.

Mark Schulze is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley since 2017, including seven years at Morgan Stanley Private Bank, N.A., and has prior experience at Park Avenue Securities, LLC and Guardian Life Insurance Co. of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Alan Brennan is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, Brennan worked at the Henry M. Jackson Foundation for six years. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

John Gibson Jr. is a CFP® with 31 years of experience in the financial services industry, currently associated with LPL Financial since 2023. His prior roles include positions at Fulton Bank, Raymond James Financial Services, and M&T Securities. In addition to his advisory work, he serves as a notary in Annapolis, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Young Hwang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 36 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC for 21 years. Outside of his advisory work, he operates an insurance brokerage business. 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 third-party asset managers and LPL programs. The firm uses a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored financial solutions.

Dianna Jones is a CFP® professional with 19 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, she worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she is the president of the Beverly Beach Community Association, where she manages community affairs and events. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Benjamin Spiker is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Outside of his advisory role, he has co-ownership interests in several investment-related businesses, including a wealth management firm and office space ventures. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a wide range of planning solutions supported by Wells Fargo’s research and tools.

Colleen Schuler is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party subadvisors, and technology-driven strategies.

Mike Ellis is a financial advisor at Merrill with 21 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill Lynch since 2011. 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.

Ali Haider is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 designations and one year of industry experience. His prior work includes roles at Fidelity Direct Mortgage, JP Morgan Chase Bank, and PNC Bank. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Thomas Horst is a financial advisor at OSAIC with 47 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years prior to joining OSAIC in 2023. Outside of his advisory work, he has been involved in insurance sales since 1999. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services and employs various asset-allocation tools and third-party solutions to manage diversified portfolios.

Steven Robinson is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and product distribution. The firm combines institutional trading capabilities with wealth management and offers research, custody, underwriting, and capital markets services.

Kevin Howard is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ designation and is a licensed CPA. His career includes leadership of his own CPA firm and extensive experience with Flying Cloud Money Management, as well as recent roles at Avantax Investment Services. Outside of his advisory work, he serves as Treasurer for Columbia Pro Cantare, a nonprofit community choral organization, and the Conscious Business Association of Maryland. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, with options including discretionary and non-discretionary management as well as access to affiliated and third-party managers.

Christopher Ridgeway is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior work history includes roles at Wells Fargo, PNC Bank, BBVA, and SunTrust Bank. 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.

Keith Hendrick is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and firm-approved processes to support client financial goals.

Victoria Walker is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at Raymond James Financial Services Advisors, Inc. since 2019 and previously spent seven years with Wells Fargo Clearing. Walker also serves as Acting Branch Manager at Merriweather Money Management, LLC, where she manages daily branch operations and oversees compliance and business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm utilizes risk profiling and analytical modeling to tailor its non-discretionary planning and encourages implementation through its advisory programs and other providers.

Kayla Kastner is a financial advisor at UBS Financial Services in Baltimore, MD, holding a Series 66 designation with two years of industry experience. She previously worked at Edelman Financial Engines for four years and has additional experience in mortgage services and healthcare. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm employs proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.