Thomas Barger is a financial advisor with LPL Financial in Lutherville, MD, holding a Series 66 credential and bringing 34 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 33 years before joining LPL Financial in 2024. Outside of his advisory role, he is involved with Blue Harbor Benefits as a health insurance broker. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party sources.

Karen Bartz is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 24 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is in the process of winding down a non-investment-related plastics sales business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques.

Stanley Rodbell is a financial advisor with LPL Financial in Baltimore, MD, holding the Series 66 designation and bringing 29 years of industry experience. Prior to joining LPL Financial in 2024, he worked for Lincoln Financial Advisors Corporation for 27 years and has operated as an attorney since 1966. Outside of his advisory work, he is involved in legal services and real estate brokerage. 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, and provides research and model portfolios to support diversified investment strategies.

Jahaira Zorrilla is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Merrill, Bank of America, and Wells Fargo. Outside of her advisory role, she is employed with Exceed Home Care Services, providing care for a minor family member. J.P. Morgan Securities offers investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in their investment recommendations.

Charles Fuller Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. His prior work history includes roles at Raymond James Financial Services and SunTrust Advisory Services. Outside of finance, he has been involved with Uber for the past decade. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Sellitto is a CFP® professional with 16 years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at Garrison Forest Advisory Group, Pruco Securities, LLC, and Minnesota Life Insurance Co. Outside of financial advising, he is involved as an attorney and runs a bar review business for students. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through both advisory and brokerage services. The firm utilizes an integrated platform combining investment advisory, insurance products, and lending programs, with investment advice supported by LPL’s research, model portfolios, and third-party strategists.

Jeffrey Lubin is a financial advisor at Morgan Stanley in Baltimore, MD, with 32 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Merrill for 28 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and incorporates structured discovery processes and advanced modeling tools in its financial planning approach.

Albert Antlitz is a financial advisor at Equitable Advisors with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including Axa Advisors, LLC and Mony Securities Corporation. Antlitz has been with Equitable Advisors since 2005. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and asset-management programs. The firm works through a network of Investment Adviser Representatives and utilizes both proprietary and third-party investment solutions.

Annakate Cross is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2004. Outside of her advisory role, she works as a retail cashier at a shopping mall, performing customer service and cashiering duties. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a discovery-based process and offers both direct and employer-sponsored financial planning services.

James Brady is a Financial Consultant who assists clients and their families in understanding their financial well-being and collaboratively developing plans for their short-term and long-term needs. He emphasizes building relationships based on trust to guide clients toward achieving their financial goals. He has held various roles in the financial services industry, including Investment Consultant, Relationship Manager, and Financial Services Representative at Fidelity Investments from 2022 to 2024. Prior to that, he worked at T. Rowe Price in positions such as Workplace Investment Consultant, High Net Worth Client Representative, and Retail Investment Services Representative between 2019 and 2022. Outside of his professional work, James has interests in concerts, cooking and baking, fitness, football, outdoor adventures, and pets.

David Saffran is a financial advisor with LPL Financial based in Linthicum, MD. He holds a Series 66 designation and has 10 years of industry experience. Prior to joining LPL Financial in 2021, he worked at M&T Securities since 2016 and at M&T Bank from 2011 to 2019. 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 advisers. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and technology-driven strategies.

Stephen Ross is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill and Bank of America prior to joining Morgan Stanley in 2022. He serves on the Investment Committee of the Foundation for Sulpicians of the United States, a civic and religious organization based in Baltimore, Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to model financial outcomes.

Hugo Warns III is a CFA® charterholder with 30 years of industry experience, currently serving at Stifel, Nicolaus & Company, Incorporated since 2005. He is co-owner and manager of Raptor Investments, LLC, a corporation focused on investments in privately held companies. Additionally, he serves on the boards of the Fred Haskins Commission, which is involved with amateur golf awards, and Bennabis Health, a company dedicated to improving patient health. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning, while clients retain discretion over implementation.

Garrett Cioffi is a Financial Advisor at Merrill Lynch Wealth Management based in Columbia. He serves as a trusted partner to business owners, highly-compensated employees and executives, and families seeking personalized wealth management. Garrett approaches wealth management through an evidence-based framework, providing comprehensive guidance across investment management, financial planning, trust and estate considerations, and tax-efficient wealth strategies. He has built his practice on data-driven wealth strategies, leveraging the resources and depth of Bank of America & Merrill. Garrett frequently collaborates with clients' CPAs and estate attorneys to ensure financial strategies align with their overall objectives. He works closely with medical professionals, corporate executives, and high-net-worth families to address the complexities of wealth accumulation, tax-efficient planning, risk management, retirement, and legacy planning. Garrett holds a Bachelor's Degree from Salisbury University and is a Personal Investment Advisor (PIA). He is a member of the Sigma Alpha Epsilon Fraternity. In his free time, Garrett enjoys running, golfing, football, reading, and watching movies.

Steven Deboy Jr. is a financial advisor at Raymond James Financial with 20 years of industry experience. He holds the Series 66 designation and has previously worked at LPL Financial and Janney Montgomery Scott. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and analytical tools and supports advisory programs through a large network of advisors.

Cathy Dawson is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 20 years of industry experience. She has been with Morgan Stanley since 2009 and previously worked at Citigroup Global Markets beginning in 2006. 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, including tailored financial planning supported by firm-approved tools and investment research from its Global Investment Committee.

Clifford Andersson is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. He has worked at Bank of America, Merrill, MML Investors Services, and MassMutual. He serves as a board member for Mount Calvary Catholic Church in Baltimore, where he oversees various operational and compliance matters. 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 and support for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Erica Silva is a financial advisor at Cetera with Series 63 and Series 65 licenses. She has been in the industry since 2024 and has experience working with First Financial Advisory Services and Cetera ADVISORS LLC. Outside of financial advising, she is involved with Mark O. Silva Builders Inc. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with both affiliated and third-party investment options.

Marco Sacca is a financial advisor at Robert W. Baird & Co. with 24 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 66 designations. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group provides tailored consulting and portfolio services, including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Lynn Misner is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Her career includes roles at M&T Securities, Inc. from 2003 to 2021 and M&T Bank since 2021. 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 and financial planning services, utilizing model portfolios, research, and various management approaches to address client needs.