James Hill Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 43 years of industry experience. He has been with Primerica Advisors since 1983 and Primerica Financial Services since 1991. Outside of his advisory role, he serves as Director of Operations and an ordained minister at Kingdom Center Ministries Inc. since 2003. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients through a large network of advisors. The firm utilizes model-based investment strategies and offers discretionary portfolio management with support from third-party asset managers and custodians.

Riley Dopp is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and seven years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2018 and 2019, respectively, and previously worked at Financial Consulate, Diamond Detail, and Towson University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a broad range of retail and institutional investment services.

Philip Insley III is a Series 66-licensed financial advisor with Mass Mutual Investors Services, where he has worked since 2012. He has 25 years of industry experience and also serves as an insurance broker offering life, health, fixed annuities, disability income, and long-term care insurance. MassMutual Investors Services, LLC is an SEC-registered investment adviser and broker-dealer providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-based planning and offers specialized programs including divorce planning, estate settlement, and employer-sponsored planning.

Raymond Mcfaul Jr. is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with Morgan Stanley Private Bank, National Association, and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements with employers.

Zain Wasi is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with four years of industry experience. His prior roles include positions at T. Rowe Price and MATClinics, as well as work with the Baltimore City Health Department and Franklin & Marshall College. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a range of investment products alongside its advisory services.

Tyler Tait is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has held multiple roles within Morgan Stanley since 2017, including at Morgan Stanley Private Bank, N.A. Outside of his advisory work, he is involved in property management. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and financial planning services.

Douglas Miller is a Certified Financial Planner® with 26 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc., having joined in 2026 after a decade at Northwestern Mutual Wealth Management Company. Miller holds Series 63, 65, and 66 licenses. 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, pension plans, 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.

Josh Webber is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 credential and one year of industry experience. His prior work includes roles at Merrill and Oceaneering, as well as experience in the restaurant industry and education. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and global market insights.

Joseph Dankowski Jr. is a CFP®-designated financial advisor with 26 years of industry experience. He currently works at OSAIC and has previous experience at Lincoln Financial Advisors Corporation, Park Avenue Securities, Guardian Life Insurance Company, and Ids Life Insurance Company. Outside of his advisory role, he is involved in insurance-related business activities through Heritage Financial Consultants, LLC and Maryland Financial Planner, Ltd., where he offers and services various insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a range of investment options and portfolio management tools.

Aidan Ryan is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and three years of industry experience. His work history includes positions at Morgan Stanley Private Bank and Morgan Stanley, as well as prior experience outside finance at Caves Valley Golf Club and Mothers North Grille. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning processes and offers access to comprehensive investment strategies alongside its broader retail and institutional offerings.

Christine Buckley is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding CFP® and ChFC® designations and bringing 24 years of industry experience. Her prior roles include positions at City National Bank, Morgan Stanley, and Citigroup Global Markets. She serves on the Board of Directors for the Baltimore Estate Planning Council. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers customizable advisory programs with discretionary and non-discretionary portfolio management, integrating both in-house and third-party investment managers.

Alex Humphries is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including 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 that integrates advanced modeling tools, though clients are responsible for implementing and maintaining their plans.

Alexander Costos is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he serves as a Portfolio Manager, providing traditional financial advice, guidance, and planning, and manages discretionary personalized and defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus areas include education planning, family wealth management, retirement planning, socially responsible investing, and services for endowments, foundations, and non-profits, among others. Alexander began his financial services career in 2007. He holds a bachelor's degree from Bucknell University (2004) and a Master of Business Administration from Loyola University Maryland (2017). He earned the CERTIFIED FINANCIAL PLANNER® certification in 2016 and holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He also serves on the Board of Directors for the Maryland Family Network and is involved with the Loyola Sellinger School of Business Alumni Board. Raised in the greater Baltimore area, Alexander is the son of Bob and Sandy Costos. He resides in Phoenix, Maryland, with his wife Laura and their two children. His personal interests include boating, camping, cooking, football, gardening, hunting, reading, spending time with family, and woodworking.

Samantha Fiedler is a financial advisor with RBC Capital Markets holding a Series 66 designation and two years of industry experience. Her background includes roles in sports organizations such as Athletes Unlimited and coaching lacrosse through the HOCO Lacrosse Club. She also works part-time at Coppermine Heath & Fitness. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple fee-based advisory programs with tailored portfolio management strategies using both in-house and third-party investment managers.

Sean Kavanagh is a financial advisor at Merrill with 10 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2001. Merrill provides managed account services through the Select Portfolio Solutions (SPS) Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Thompson II is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with MML Investors Services, Inc. since 1997. Outside of his advisory role, he owns and manages Harmony Grove Farm, LLC and Harmony Grove Farm Management, LLC, which hold farm land and related assets. MML 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 ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars.

Jason Parks is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley since 2009, including time with Morgan Stanley Private Bank. Prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques, serving clients under both individual and corporate financial planning agreements.

Ian Hamsher is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds a Series 66 designation and has previously worked at INTL FCStone, Textron Aviation, and The Pennsylvania State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning and consulting services through various advisory programs and institutional solutions.

Nohemi Cecil is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc., and also has experience with John Hancock Life Insurance Co. Outside of finance, she is involved in her local community through a homeowners association welcome committee and sells handmade crafts at local shows. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools and efficient-frontier analysis to construct diversified portfolios tailored to client risk tolerance and investment objectives.

Howard Kleinman is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He previously worked at MetLife Securities Inc. and Metropolitan Life Insurance Company for 28 years, followed by roles at Mass Mutual Investors Services and MassMutual Life Insurance Co. Kleinman is also involved in non-variable insurance sales as a sole proprietor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of investment and financial planning solutions through a large network of advisors, supported by proprietary research and technology tools.