Ramon Resendiz Jr. is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles in education at the Community College of Baltimore County, Lansdowne High Academy of Finance, and Lakeland Elementary Middle School. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Bowman is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include a decade at Avantax Advisory Services and 35 years as president of Bowman & Company, CPA, PC. He serves on the board of directors and as treasurer for Small Business Awards Week, Inc. Ameriprise offers retirement-income planning services aimed at individuals with substantial investable assets, delivering written recommendations on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to tailor plans, primarily for clients holding assets in Ameriprise-managed accounts.

Tyler Grabner is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at Grove Point Advisors, LLC, Grove Point Investment, LLC, Grabner Financial, and T. Rowe Price. He is also involved with Grabner Financial, a separate business focusing on non-variable insurance. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of financial planning and asset management services through a large network of advisors, supported by advanced operational tools and multiple affiliated financial offerings.

Ian Frank is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022, following seven years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

David Schmelz is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies that incorporate both in-house and third-party investment managers.

Sean Mc Elroy is a Series 66-licensed financial advisor at UBS Financial Services with nine years of industry experience. He has been with UBS since 2017. Outside of his advisory work, Mc Elroy is involved with the Baltimore Chamber Orchestra. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, offering diverse solutions including discretionary portfolio management, mutual funds, and alternative products.

Andrew Heyman is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 15 years of industry experience. His prior roles include positions at Merrill and VSR Financial Services. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in assets and utilizing structured planning tools and market modeling in its process.

Stephanie Kormanis is a financial advisor with Merrill in Towson, MD, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she serves as General Partner and Managing Member of Kormanis Properties LLC, a business related to a condominium in Ocean City, Maryland. 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 various institutional investors.

Brian Martin is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with MML Investors Services, Inc. since 1995 and Massachusetts Mutual Life Insurance Company since 1994. In addition to his advisory role, he acts as an insurance broker for various carriers providing life, health, fixed annuities, disability income, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, employing analytical tools to deliver personalized recommendations within collaborative, annual planning engagements.

Ryan Turner is a financial advisor at LPL Enterprise with 15 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Prudential Insurance Company of America since 2010. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other entities through a network of investment adviser representatives. The firm utilizes model-driven investment strategies and offers access to third-party asset managers and financial planning services.

Nicholas Meinert is a CFP® with two years of industry experience, currently affiliated with Wells Fargo Clearing. His prior work includes roles at the US Naval Academy Alumni Association, Phillips Edison and Company, Lordstown Motors, and Siemens DISW. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical large institutional advisers.

Jonathan Shimaitis is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning both directly and through corporate agreements.

Luke Smith is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His work history includes roles at Bank of America, DoorDash, and several other organizations. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers model-based and discretionary investment strategies integrated within Bank of America's broader platform.

Kelly Williams is a Series 66-licensed financial advisor with Morgan Stanley in Hunt Valley, MD, and has seven years of industry experience. She has been with Morgan Stanley since 2013, including a brief period working outside the financial sector in 2018. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes a structured discovery process and planning tools that employ Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Andrew Leedom is a financial advisor with Ameriprise in Sparks, MD, holding Series 65 and Series 66 licenses and 28 years of industry experience. He has been with Ameriprise since 2008. Outside of his advisory role, he owns and manages Leedom AR, LLC, an investment-related business. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Eli Ben Zev is a Series 66-licensed financial advisor with 16 years of industry experience. He is currently with LPL Enterprise and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Morgan Stanley. He is involved part-time in selling health insurance through the Maryland Health Exchange and acts in a fiduciary capacity for individual clients. 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 access to third-party asset managers, financial planning, and insurance product sales through affiliated entities.

Baylee Gray is a Financial Advisor at Merrill Lynch Wealth Management, specializing in assisting individuals, families, and business owners with financial strategies focused on investing, retirement, and long-term planning. She emphasizes building trust and meaningful relationships with clients to understand their priorities and develop practical approaches to wealth management. Prior to her career in financial advising, Baylee worked as an Emergency Medical Technician (EMT), where she gained skills in critical thinking, effective communication, and maintaining composure under pressure. She then spent several years supporting high-performing advisory teams, acquiring experience in investment management, financial planning, and client service. This background informs her straightforward and personalized approach to financial decision-making. Baylee holds a Bachelor's Degree from the University System of Maryland and an MBA from the Louisiana State University System. She has earned the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Additionally, she is involved with the University of Maryland Medical Center.

Max Hoffman is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Fidelity Investments and previously worked at Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Zouhair Tahri is a financial professional at Cetera with credentials including Series 63 and Series 65. He previously worked at DXC Technology and Xerox and has five years of experience managing Tahri CPA PLLC, a tax and accounting firm. Cetera operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services delivered through a nationwide network of independent advisors.

Geoffrey Brent is a financial advisor with RBC Capital Markets LLC, holding Series 63 and Series 65 licenses and over 35 years of industry experience. His prior work includes nine years with Ferris, Baker Watts, LLC and nine years at City National Bank. Brent serves on the boards of the Living Classrooms Foundation, where he coaches an after-school program for at-risk youth, and Boys' Latin School, where he chairs the committee on trustees. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides a range of advisory programs and portfolio management services to individual investors, institutions, corporations, and charitable organizations, utilizing both in-house and third-party investment managers.