William Persons is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs, including tailored financial planning using firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements with employers.

Kirby Smith is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 45 years of industry experience. He has worked at Wells Fargo Clearing Services LLC since 2019 and Ameriprise Financial Services, Inc. since 2011. Outside of his advisory role, he serves as an affiliate professor at Loyola College of Maryland, teaching a portfolio management course, and acts as a wedding officiant. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options within their investment menus.

James Hennessey is a Series 66 licensed financial advisor with Edward Jones in Bel Air, Maryland, with two years of industry experience. He has been the owner and instructor of a martial arts studio specializing in Tae Kwon Do since 2002. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Christopher Payton is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and previously worked at Regus Management Group before joining Merrill and Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a variety of model-based, discretionary, and tax-aware investment strategies to individuals, high-net-worth clients, pensions, charitable organizations, and corporate fiduciaries.

James Orders II is a Wealth Management Advisor with Merrill Lynch Wealth Management, joining the firm in 1994. He is a member of the Roche Hans Orders Group, where he focuses on corporate retirement plans, including 401(k) and defined-contribution plans, servicing high-net-worth clients as well as managing the team's fixed-income investments. His client base includes successful business owners, physicians, retirees, wealthy families, and endowments in Baltimore, Maryland, and nationwide. James holds a Bachelor's degree in Sociology and Education from Roanoke College. He has earned multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Chartered Retirement Planning Counselor (CRPC). He works closely with clients, their accountants, and attorneys to keep tax minimization and estate planning strategies aligned with investments and liabilities. James resides in Arnold, Maryland, with his wife and their three children. His personal interests include boating, fishing, reading, and spending time with his family.

Daniel Petro is a CFP®-credentialed financial advisor with 16 years of industry experience. He has been with RBC Capital Markets LLC since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients' risk profiles.

Christina Boyer is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2015. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors. The firm integrates investment management with Bank of America’s broader platform, providing access to a wide range of products and services.

Abdel Al Jame is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Bank of America and Merrill since 2014. 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 integrates investment management with lending, custody, and other banking services as part of Bank of America’s broader platform.

Evan Riss is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Merrill Lynch and Financial Gravity Family Office Services. Outside of finance, he is involved in lacrosse officiating and coaching with the Southern Lacrosse Officials Association, National Intercollegiate Lacrosse Officials Association, and Zingos Lacrosse Club. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services that utilize structured discovery and firm-approved tools to model financial outcomes.

Daniel Gilman is a financial advisor at LPL Enterprise with five years of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors and Kol Halev. His background also includes roles in education and public service, including the Baltimore City Public School System and the Office of Congressman Dwight Evans. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm’s platform integrates advisory programs with brokerage and insurance products and participates in LPL’s collateralized lending program.

Brandon Hethcoat is a financial advisor with Raymond James Financial in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Morgan Stanley, Parker & Lynch, and Ohio University. He also serves as an investment strategist for Fusco Financial. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual and high-net-worth clients, pension plans, charitable organizations, and state and municipal entities, offering tailored, non-discretionary advisory services supported by extensive institutional and public finance resources.

Shannon Beauchamp is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at Wells Fargo Advisors since 2026 and previously spent 17 years at RBC Capital Markets Corporation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory services with various financial products and referral channels.

John Magiros is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and with 19 years of industry experience. Since 2009, he has worked with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association. He is involved in a trust-related business activity outside of his advisory role. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools.

Richard Dix is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and over 22 years of industry experience. His career includes roles at Securities America Advisors, The Marshall Financial Group, and Hornor Townsend & Kent Inc., among others. Dix is also an owner and partner of S2 Financial Partners LLC and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management strategies and platform arrangements tailored to client objectives.

Mark Dyer is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 licenses and bringing 49 years of industry experience. He has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, and charitable organizations. The firm offers a variety of advisory programs that deliver tailored portfolio management, financial planning, and brokerage services through a combination of in-house and third-party investment managers.

James Ryan is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its investment approach.

Robert Budde is a CFP® professional affiliated with LPL Financial, based in Baltimore, MD, with 24 years of industry experience. He has worked at LPL Financial since 2021 and has prior experience with M&T Securities, Inc., Allfirst Brokerage Corporation, and Allfirst Bank dating back to 2002. 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, supporting both discretionary and non-discretionary management with access to model portfolios, research, and various investment strategies.

Tania Banach is a Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 2018 after starting at Bank of America and Merrill in 2015. Tania holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Tania offers expertise across investment planning, retirement planning, estate planning services, and wealth management. She works with a diverse range of clients, from young professionals to retirees, focusing on crafting comprehensive financial strategies aligned with each client's individual goals. As a Merrill advisor, she connects all aspects of clients' financial lives to help prioritize and pursue the goals that matter most. Beyond her professional role, Tania participates in community involvement with Junior Achievement of Central Maryland. She enjoys staying active through activities such as yoga, hiking with her family, biking, music, reading, running, swimming, and traveling.

Dustyn Debernardo is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. His prior roles include positions in education at Towson University and Baltimore County Public Schools. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios including mutual funds, ETFs, and ETPs.

Parker Wynot is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and previously worked at Osaic FA, INC. Prior to entering the financial industry, he was employed at Bay Hills Golf Course and was a student for several years. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides a wide range of brokerage and advisory services through a large network of affiliated advisers and utilizes various asset-allocation tools and third-party platforms to manage portfolios.