Michael Fitz Patrick is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2016, he has focused on portfolio construction, goals-based analysis for individual planning, advising clients on risk and asset allocation, and consulting for 401(k) and defined benefit plans. As a qualified Portfolio Manager, Michael develops personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, some of which he manages on a discretionary basis through the Firm's Investment Advisory Program. With a career in financial services beginning in 2000, Michael specializes in areas such as family wealth management, legacy planning, liquidity management, personal retirement planning, small business strategies, tax minimization, and retirement income. He holds the Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) designations, in addition to Series 7, 31, and 66 FINRA registrations, along with life, health, and long-term care insurance licenses. Michael earned a Bachelor's degree in Political Science with a minor in Public Administration from the University of Maryland Baltimore County. Michael resides in Hunt Valley, Maryland, with his wife MaryBeth and their four children. He serves as a board member of Change the Conversation and has previously contributed as a member of the Investment Committee at St. James School in Monkton, Maryland. His community involvement includes coaching youth lacrosse at St. James Academy and participating in TLC.

Christopher Walsh is a Wealth Management Advisor with Merrill Lynch Wealth Management. With over 33 years of experience at Merrill, he works closely with individuals to prepare them for retirement and to fund their life goals. He partners with Hugh Hanley, who focuses on mutual fund and manager analysis, employing a planning-based approach to construct client portfolios that meet their objectives and navigate market volatility. Christopher is certified to advise on defined contribution retirement plans for small businesses, including start-ups and existing plans. Prior to his financial advisory career, Christopher taught middle school math and science for seven years. He earned a bachelor's degree from Union College in Schenectady, NY, and a master's degree in Engineering in Computer Science from Loyola University in Baltimore. His experience in teaching informs his commitment to helping clients understand their investments so they can make well-informed decisions and remain disciplined over time. Christopher holds the Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) designations. Family is important to Christopher; he and his wife of 29 years have four grown children and three grandchildren. He has a range of personal interests including travel, outdoor activities such as birdwatching, fly fishing, hiking, camping, and sports like golf and soccer. He has coached soccer at various levels and remains involved with the Boys' Latin soccer program.

John Rogers is a financial advisor with LPL Financial in Hunt Valley, MD, holding Series 63 and Series 65 licenses. He has two years of industry experience and previously worked at Summit Investment Advisors, Inc. and Worthington Financial Partners. Rogers also provides administrative support to Summit Financial, an independent investment advisor firm. 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, model portfolios, and retirement plan consulting.

David Vegh is a financial advisor with Stifel, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. Outside of his advisory role, he serves as Vice President of Finance and Board Member at Congregation Darchei Tzedek in Baltimore. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Steven Moore is a financial advisor at Raymond James Financial with 30 years of industry experience. He holds Series 63 and Series 66 credentials and has been affiliated with Fusco Financial Associates, Inc. in a senior analyst and support role since 2012. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Matthew Citrano is a financial advisor with RBC Capital Markets in Bel Air, MD. He holds a Series 66 designation and has 10 years of industry experience, including 11 years at RBC Capital Markets. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Matthew Lesko is a financial advisor with Equitable Advisors, holding a Series 66 designation and bringing 12 years of industry experience. His prior roles include positions at Stifel Independent Advisors, LLC and RBC Capital Markets, LLC. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer and employs a delivery model that leverages LPL-sponsored programs and endorsed third-party managers.

Joshua Ritz is a Series 66-credentialed financial advisor with 25 years of industry experience. He is currently with LPL Financial and has previously worked at Steward Partners, Raymond James Financial Services, and Wells Fargo Advisors. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Sujata Chakraborty is a financial advisor at LPL Financial with nine years of industry experience. She holds the Series 66 designation and has previously worked at PNC Investments and M&T Securities. Chakraborty also operated as a self-employed advisor before joining her current firm. LPL Financial is an 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 services, and retirement plan consulting through a national network of investment adviser representatives.

Bonita Rodriguez is a financial advisor at UBS Financial Services in Baltimore, MD, holding a Series 66 designation with 26 years of industry experience. She previously worked at Merrill Lynch for 23 years before joining UBS in 2022. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a broad range of capital markets activities.

Antonio Santiago Zambrana is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Summum Servicios Financieros Inc., and MassMutual Life Insurance Co. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its 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.

Peter Paris is a CFP® professional with 14 years of industry experience, currently affiliated with Mass Mutual Investors Services. He has held positions at Bank of America and Merrill Lynch between 2013 and 2019. Additionally, he serves as an insurance agent for Garrison Advisors & Statera Retirement, focusing on life, disability, long-term care, and fixed annuities. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, annual financial planning engagements supported by firm-approved analysis tools and educational seminars.

Steven Reed is a financial advisor with Edward Jones in Nottingham, MD, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with Edward Jones since 2001. Outside of his advisory role, he is a member of agricultural businesses Reed Farms LLC and SJK Farms LLC in Ohio. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of more than 23,000 financial advisors.

Anne Miklos is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 18 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing 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 employs a structured planning process with firm-approved tools and modeling techniques.

Angela Johnson is a financial advisor at Robert W. Baird & Co. with 18 years of industry experience. She has been with Robert W. Baird & Co. since 2009 and holds Series 63 and Series 65 designations. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services, tailoring advice to client goals and risk tolerances through a combination of in-house and third-party managers.

Nathaniel Smith is a financial advisor with LPL Enterprise in Cockeysville, MD, holding a Series 66 designation and nine years of industry experience. Prior to joining LPL Enterprise in 2024, he worked with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is a business owner of NJS Capital LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products within an integrated platform.

Samuel Yingling is a financial advisor at Merrill with nine years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Bryan Gately is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley Private Bank and The Gately Group. Outside of finance, he works as a voice over talent providing voice work for commercials and documentaries. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to recommend investment strategies.

Michelle Harf Grim is a financial advisor with Ameriprise, holding Series 63 and Series 65 registrations and bringing 32 years of industry experience. Her career includes five years with Wells Fargo Clearing and six years with Wells Fargo Advisors LLC prior to joining Ameriprise in 2021. Ameriprise provides retirement-income planning services tailored to individuals nearing or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions offered by affiliated entities.

Joshua Shanty is a financial advisor at Osaic with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Mitsubishi Heavy Industries America. Outside of his advisory role, Shanty owns Colt Mechanical Services, a mechanical engineering contracting firm. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisors, offering brokerage and advisory services, financial planning, and access to third-party investment managers. The firm employs asset-allocation tools and automated rebalancing to manage portfolios that include a diverse set of investment vehicles and supports both discretionary and non-discretionary account management.