Charles Koras is a Series 66 credentialed advisor with Morgan Stanley in Lutherville, MD, beginning his industry career in 2025. Prior to joining Morgan Stanley, he worked at St John Properties and held roles at the University of Maryland College Park and Loyola Blakefield. Outside of finance, he is involved as an assistant coach with Predators Lacrosse, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Madison Rexford is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for seven years. His background also includes roles at The University of Tampa and Greene Turtle Sports Bar. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services supported by various asset-allocation tools and third-party platforms.

Adam Grzybowski serves as Senior Resident Director at Merrill, leading the Hunt Valley office and working directly with clients. With more than 25 years of experience in the financial services industry, he began his career as a Financial Advisor at a large financial institution before joining Merrill Lynch Wealth Management in 2005. Adam’s areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. He holds the Accredited Asset Management Specialist™ designation from the College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) designation. A native of the Baltimore area, Adam earned a Bachelor's degree from West Virginia University and a Master’s of Business Administration from The University of Baltimore. Outside of work, he enjoys boating, fishing, and spending time with his family, including his wife, Kristy, and their three daughters.

Bryan Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he is the sole owner of Quickstar Productions LLC. 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 solutions. 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 in its investment menus.

Benjamen Pickett is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Point Breeze Federal Credit Union, M&T Bank, and Aberdeen Proving Grounds Federal Credit Union. Outside of his advisory role, he serves as an executor for a family estate. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Joel Margolis is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured tools and modeling techniques.

Kenneth Cooper is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 49 years of industry experience. His prior firms include Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Company. He is also a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Brian Gorman is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and four years of industry experience. He has worked with both Merrill and Bank of America, N.A. since 2021. Outside of his advisory role, Gorman serves as a basketball referee for elementary school games through OneTeam Officiating LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates a broad range of products and services as part of Bank of America’s corporate platform.

Brian Gracie is a financial advisor at OSAIC with 38 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked for Lincoln Financial Advisors Corporation for 37 years. Outside of his advisory role, he is involved as an owner and agent of Heritage Financial Consultants LLC, offering various insurance products including group benefits and annuities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and provides integrated brokerage and advisory services. The firm uses a variety of asset-allocation tools and offers access to multiple investment platforms and third-party money managers.

John Cahill IV is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at PNC Investments for six years before joining Wells Fargo Clearing in 2018. Outside of his advisory role, he serves as a Firefighter II and driver with the Kent Island Volunteer Fire Department. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice.

Christopher Connolly is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers research-driven, model-based asset allocation tailored to clients’ goals and risk tolerance.

Vladimir Greben is a financial advisor with LPL Financial based in Owings Mills, MD, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he is involved in wealth management operations under his own business name and holds a non-variable insurance license. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

Daniel Cote is a financial advisor at LPL Enterprise with 29 years of industry experience. He holds Series 63 and Series 65 registrations and has previously worked at Prudential Insurance Company of America, Pruco Securities, LLC, and Cetera Advisors 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 portfolio programs, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Douglas Schamburg Jr. is a financial professional with LPL Enterprise and holds a Series 66 designation. He previously spent ten years with McCormick & Co. Outside of his professional work, he volunteers as a basketball commissioner and camp coach with the Fallston Recreation Council. LPL Enterprise serves a diverse client base including individuals, retirement plans, and institutional clients, offering a range of advisory and brokerage services supported by LPL’s research and model portfolios.

Daniel Newell is a financial advisor with Stifel in Hunt Valley, MD, holding Series 63 and Series 65 designations and 47 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously spent nine years at RBC Capital Markets Corporation. Newell also serves as a personal representative for a non-family trust. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Matthew Emerson is a CFP® professional with six years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Lincoln Financial Advisors Corporation and Triad Advisors LLC. Emerson’s background also includes work in dining services and university employment. 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 representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management options along with model portfolios and research support.

Stacey Hampton is a financial advisor with Primerica Advisors in Owings Mills, MD, holding Series 63 and Series 65 licenses and eight years of industry experience. Her work history includes roles at Healthcare Access Maryland and PFSI Investment Inc., alongside her ongoing tenure with Primerica Financial Services. Outside of her advisory work, she serves as a clinical supervisor for All Walks of Life in Baltimore. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while utilizing a tiered wrap-fee structure.

Kelly Alcala is a financial advisor with Morgan Stanley, holding a Series 66 designation and 26 years of industry experience. She has been 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 range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by advanced modeling tools.

Charles Hurtt is a financial advisor with Ameriprise in Lutherville, MD, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wells Fargo Advisors. Outside of his advisory role, Hurtt is involved in tax preparation through business ownership. Ameriprise is an institutional firm that offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Anthony Patti Jr. is a financial advisor with LPL Enterprise in Cockeysville, MD. He holds Series 63 and Series 65 licenses and joined the firm in 2025. Prior to his advisory role, his work experience includes positions at Papa John's, Target, and Little Caesars, as well as an academic background at Towson University and Calvert Hall College High School. He is also a commissioned notary. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to various investment and insurance products through advisory and brokerage channels. The firm utilizes a combination of proprietary research, model portfolios, and third-party strategists to deliver investment advice.