Daniel Higgins is a financial advisor with Edward Jones in Pasadena, MD, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2012. Outside of his advisory role, Higgins serves as a lead facilitator at Arundel Christian Church and is a member of the board for Gold Flex Life Sciences, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of advisors and branch offices nationwide.

Michael Fagan is a Financial Advisor based in Baltimore, Maryland, specializing in providing financial guidance to individuals, families, and business owners. He focuses on developing thoughtful, personalized strategies that align investments, planning, and long-term goals, such as retirement and wealth transfer. Michael takes a disciplined approach centered on understanding clients' priorities and guiding decision-making over time. Leveraging the capabilities of Merrill and Bank of America, Michael provides access to a broad platform of services, including investment management, trust services, banking, and lending solutions. He aims to serve as a long-term partner by delivering consistent insight, service, and support as clients' needs evolve. His client focus areas include college education planning, family wealth management, legacy planning, personal retirement planning, portfolio management, and tax minimization. Michael holds a Bachelor's Degree from the University of South Carolina and holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Outside of his professional role, Michael enjoys boating, fishing, and golfing.

James Mcdonald III is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked with Equitable Advisors since 2000, including its predecessor AXA Advisors, LLC. Outside of his advisory role, he is involved with MDJ Financial Services Inc. and serves as president of James A McDonald III Financial Services LLC. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm utilizes a range of advisory models implemented through third-party asset managers and LPL-sponsored programs, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Stephen Azar is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with 13 years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2012 to 2018 before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including personalized financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by tools such as Monte Carlo simulations and Secular Return Estimates.

Jennifer Crouse is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney LLC since 2010. 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 that utilizes structured discovery conversations and firm-approved planning tools.

Hooman Hafezisoleyman Zadeh is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has worked at both Bank of America, N.A. and Merrill since 2014. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and various organizational investors.

Stephen Hord is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients. The firm’s financial planning process uses structured discovery and firm-approved tools, serving clients through direct engagements and corporate financial planning agreements.

Charles Bailey is a financial advisor at Osaic with 22 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Securities America Advisors, Ameriprise Financial Services, Chapin Davis, and UBS Financial Services. Outside of his advisory work, he serves as the executor of his parents' estate. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a broad range of brokerage and advisory services, utilizing model-based asset allocation and portfolio optimization techniques supported by risk-tolerance assessments and rebalancing tools.

Allison Chamberlain is a financial advisor at RBC Capital Markets with eight years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets since 2017, following a two-year tenure at Morgan Stanley. Prior to her advisory career, she was affiliated with Salisbury University. 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 that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Scott Keenan is a financial advisor with Ameriprise in Baltimore, MD, holding a Series 66 designation and 13 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2013. Outside of his advisory role, Keenan owns and operates a property management business, Keenan Management Group, LLC. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering 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.

Hillel Goldman is a financial advisor with Equitable Advisors in Pikesville, MD, holding a Series 66 designation and 19 years of industry experience. He has worked at Equitable Advisors since 2011 and previously at Axa Advisors LLC, Ameriprise, and Wells Fargo Advisors. Goldman serves as a board member for the Foundation of the Preservation of Perpetuation of Torah Laws and Customs. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm offers a range of advisory programs through a network of Investment Adviser Representatives, utilizing third-party asset managers and a variety of investment vehicles without sponsoring its own wrap fee program.

Anthony Janoskie is a financial advisor at Cetera with 36 years of industry experience. He holds the Series 63 and Series 65 credentials and has worked at Cetera and Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he is involved in selling life insurance and annuities and operates Janoskie Financial & Associates, which provides financial advisory and OSJ management services. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and services, supported by a large nationwide network of advisors and over $256 billion in assets under management.

Daniel Goettel is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial objectives and develop strategies tailored to their short-, mid-, and long-term goals. He serves as a resource for a range of financial services including investing, retirement planning, and saving for unexpected expenses. Additionally, he provides clients with access to Bank of America specialists for banking, credit, home financing, and small business solutions. Daniel holds a Personal Investment Advisor (PIA) designation and earned his Bachelor's degree from the University of Maryland. His approach centers on uncovering what matters most to clients and their families to create strategies aimed at pursuing their financial goals.

Samuel Daniels is a financial advisor with Equitable Advisors in Baltimore, MD, holding a Series 66 designation and two years of industry experience. His prior work includes roles at the University of Maryland, Baltimore County and Kona Ice of Annapolis. Equitable Advisors serves a broad range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and diverse asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Ryan Young is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and provides planning services utilizing a structured process and firm-approved tools.

Jonathan Rogers is a financial advisor at Merrill with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1987, also affiliated with Bank of America since 2011. Outside of his advisory role, Rogers serves as an arbitrator for FINRA dispute resolution panels and is an advisory board member of the Roland Green Community Association. Merrill, along 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, pension plans, corporations, and charitable organizations.

Madisyn Howard is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has worked in various roles including at Bank of America and Greenspring Advisors LLC. Outside of her advisory work, she coaches for the Warhawks Field Hockey Club, focusing on developing field hockey skills for young athletes. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program that emphasizes written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screening with qualitative research and incorporates an ESG eligibility framework.

Alison Canning is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2009. She serves as a board member of the Howard Community College Educational Foundation, where she is involved in business development and fundraising. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies.

Richard Armiger is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, 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.

Margaret Dubil is a Series 66-licensed advisor at Stifel with 25 years of industry experience. She has been with Stifel Nicolaus & Co. since 2014. Outside of her advisory role, she is a managing partner of Viva Charm City LLC, a webshop selling reproduction vintage clothing for women, and serves on committees for the National Society of Compliance Professionals and FINRA as an arbitrator and elected regional committee member. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, providing brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.