Jessica Sewell is a Series 66-licensed financial advisor with Morgan Stanley in Frederick, MD, and has 13 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Roseanne Clingerman is a financial advisor at Morgan Stanley with three years of industry experience. She has worked at Morgan Stanley since 2022 and was previously with Sandy Spring Bank for ten years. Clingerman holds the Series 66 designation and is based in Frederick, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning through structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

William Peacock is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Suntrust Advisory Services and Suntrust Investment Services before joining Merrill and Bank of America in 2018. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Baldecchi is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, N.A., and prior experience at Atlas Container Corporation among other positions. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Pencek is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. He has held prior roles at Grove Point Investments, Grove Point Advisors, and H. Beck, Inc. Since 2020, he has also pursued activities as an artist and musician under the name FatherTime. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Kevin Jackson is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and six years of industry experience. He previously worked at M&T Bank for 19 years before joining Morgan Stanley in 2019. He serves on the board of directors for DIW Group, Inc., a geotechnical engineering company, where he participates in executive compensation, compliance, legal issues, and financial oversight. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs to individuals and institutions, providing financial planning and wealth management services supported by firm-approved tools and analysis methods.

Brad Young is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 23 years. Outside of his advisory role, Young serves as an instructor teaching finance, economics, and markets at Mt. St. Mary’s University, and he is an elected member of the Frederick County Council. He is also a board member of the nonprofit organization I Believe In Me. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers. The firm offers integrated brokerage and investment advisory services, using various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Jacob Griffith is a financial advisor with RBC Capital Markets in Frederick, MD, holding Series 63 and Series 65 designations and 26 years of industry experience. He worked at Arrow Investment Advisors, LLC for 14 years before joining RBC Capital Markets in 2021. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers tailored portfolio management and financial planning services through multiple advisory programs and integrates both in-house and third-party investment managers.

Laura Johnson is a CFP® professional with 27 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2016. She owns Hummingbird Wealth Management LLC and is a Certified Divorce Financial Analyst involved in divorce financial counseling. Additionally, she holds leadership roles in several organizations, including serving as chairman of Second Chances Garage and president of Jeep Fest for Charity, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers tailored investment strategies through a network of independent financial professionals utilizing various platform arrangements and both proprietary and third-party model strategies.

Regis Larkin is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at RBC Capital Markets from 2009 to 2017. Outside of his advisory work, he is a partner in Larkin Dental Health LLC, a healthcare-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Kevin Moore is a financial advisor with Cambridge Investment Research Advisors in Frederick, MD, holding a Series 66 designation and eight years of industry experience. Prior to joining Cambridge, he worked at the U.S. Army Medical Research Acquisition Activity. Outside of his advisory role, Moore is involved in several community organizations, serving as a board sergeant at arms for the Rotary Club of Carroll Creek and holding committee and board positions with Habitat for Humanity of Frederick County, Federated Charities, and Goodwill Industries. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals, providing both discretionary and non-discretionary strategies and combining proprietary models with access to unaffiliated strategists.

Beth Linton is a financial advisor at LPL Financial with 16 years of industry experience. She holds a Series 66 designation and previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory role, she is a notary public. 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 investment management services, including model portfolios, third-party asset management, and institutional platforms.

James Cholet is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. His prior experience includes positions at Citigroup Global Markets and Wells Fargo Clearing. 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 and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools.

Melinda Wise is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets since 2020, following a five-year tenure at Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies based on each client’s risk profile, utilizing both in-house and third-party investment managers.

John Murphy Jr. is a financial advisor at Stifel with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and Bank of America. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing analysis and asset allocation guidance designed to support client decision-making.

Jonathan Waters is a CFP® professional with 19 years of experience in the financial services industry. He has worked at Mass Mutual Investors Services since 2017 and held positions at MetLife Securities Inc. from 2007 to 2017. Waters is also involved in renewable energy projects through ownership of BlueWaters Solar, LLC. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational programs using collaborative, annual planning processes supported by firm-approved analytical tools.

Marissa Correll is a CFP® professional with 18 years of experience in the financial industry. She has been with Edward Jones since 2016. Outside of her advisory role, she serves as a board member for Destination Arts in Waynesboro, PA, where she volunteers at art galleries and participates in planning efforts for the local art alliance. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and maintains a large network of financial advisors and branch offices nationwide.

Tyler Hornbecker is a financial advisor at Edward Jones in Boonsboro, MD, holding a Series 66 designation with eight years of industry experience. His work history includes roles at Edward Jones since 2018 and prior positions at First Data and several hospitality-related businesses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Baker is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Edward Jones with eight years of industry experience. He worked for a decade at Gaithersburg Garage Door before joining Edward Jones in 2017. Outside of his advisory role, he hosts a podcast called Investment Biker, where he interviews individuals about their business or personality related to the motorcycle world. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Thomas Lane is a financial advisor with Stifel who holds Series 63 and Series 65 registrations and has 42 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2012. Stifel serves a wide range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group, supporting client decisions through financial planning and asset allocation guidance.