Ronald Campbell is a financial advisor with Morgan Stanley based in Baltimore, MD, holding a Series 65 credential and bringing 23 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory work, he is a self-employed songwriter and musician who occasionally performs his own songs. Morgan Stanley Wealth Management provides a wide range of advisory programs to both 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 through a structured planning process without providing individual security recommendations as part of standalone plans.

Christopher Gobrial is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill and Bank of America, he worked in various roles including mortgage services and the automotive industry. Outside of his advisory role, he assists with clerical and IT tasks at a medical practice operated by his mother. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, with portfolio implementation tailored to different risk and tax considerations.

Richard G. Mohelski is a Wealth Management Advisor, Senior Vice President, and Portfolio Manager at Merrill Lynch Wealth Management. With over 30 years in the financial industry and more than 20 years holding the Chartered Financial Analyst® designation, he employs a disciplined wealth management process that integrates clients' risk tolerance, time horizon, liquidity needs, and investment goals. Richard's approach includes comprehensive reviews of clients' financial and personal lives to establish tailored objectives and develop appropriate portfolio strategies. He utilizes the investment resources of Merrill and banking capabilities of Bank of America to provide products and services aimed at simplifying and integrating clients' financial lives. Richard regularly conducts financial reviews to monitor progress and adjust strategies as needed based on life changes or market conditions. Richard graduated from the University of Virginia in 1992 with a Bachelor of Arts degree in Economics and a Minor in Religion. He holds multiple professional designations including Chartered Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is a member of professional organizations such as the Baltimore Security Analysts Society, CFA Institute, College for Financial Planning, and National Association of Plan Advisors. Outside of his professional career, Richard is married to Gayle and they have two sons and a daughter.

Tom Quirk is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 32 years of industry experience. His prior work includes roles at Raymond James Financial and Baltimore County Council Towson. He also serves as an instructor at the Community College of Baltimore County. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Melanie Samoska is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Bank of America, N.A. and Merrill since 2016. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Demetrios Karagiorgis is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and previously worked at InFocus Financial Advisors and has experience in both education and contracting sectors. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

Kieren Reilly Seivert is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and possessing 14 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, Seivert is involved with Advisors Give Back, a nonprofit focused on civic and educational activities. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, with clients responsible for plan implementation and updates.

Christian Schwartz is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023. His prior work includes roles at Indiana University and TBH Global Asset Management. 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 investment committee insights.

Campbell Jamieson is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this position, he partners with clients and their families to understand their financial landscape, develop a roadmap, and guide them towards their financial goals through comprehensive personalized planning. Prior to joining Fidelity Investments, Campbell worked as a Senior Sales Consultant at T. Rowe Price from 2020 to 2024. Before that, he served as a DCIO Internal Wholesaler at State Street Global Advisors from 2016 to 2020. His professional experience spans investment consulting and sales roles within prominent financial institutions. [No information about education, credentials, personal interests, or community involvement was provided.]

Anne Grant is a financial advisor at Merrill with 30 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2007 and holds Series 63 and Series 65 licenses. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brooke Coligan is a Series 66-licensed financial advisor at Morgan Stanley with two years of industry experience. Her prior work includes roles at Gorman & Williams and involvement with Towson University and Blue Water Baltimore. Morgan Stanley Wealth Management serves 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 directly to individuals as well as through corporate agreements.

Edwin Hogan is a financial advisor with Primerica Advisors, holding the ChFC® designation and a Series 63 license, with eight years of industry experience. His work history includes roles at PFS Investments Inc. since 2017, service in the Army National Guard since 2014, and tenure at Primerica Financial Services since 2013. Outside of advising, he works as a notary public and loan signing agent and has been an Uber driver since 2021. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, operating under a tiered wrap-fee structure.

Darren Sweeney is a financial advisor at OSAIC with 19 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for 18 years. Outside of his advisory role, he owns a separate legal entity involved in warehousing and property purchases and is active as an insurance agent offering a range of insurance products. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct portfolios incorporating various asset types, and supports both discretionary and non-discretionary account management.

Jennifer Wade is a financial advisor with Morgan Stanley, holding a Series 66 designation and 17 years of industry experience. She worked at Merrill Lynch from 1998 to 2021 before joining Morgan Stanley Smith Barney in 2021. Outside of finance, she is the sole proprietor of Baltimore Pressure Washers, a pressure washing business based in Sykesville, MD. 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations to model financial outcomes.

Edward Witherspoon is a CFP® professional with 30 years of industry experience, currently affiliated with Cetera. He has held roles at Holistic Private Wealth since 2014 and at Cetera Financial Specialists LLC and Cetera since 2012. He serves as a board member for the Al Cesky Scholarship Fund and Harford Community College. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform and a variety of program options.

Peter Della Croce is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Outside of his advisory role, he is a committee member of The Myositis Association and serves as Chair of Leadership Development for The Arc of Howard County, a healthcare organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved planning tools.

Marcus Harris is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. He brings over 20 years of experience in financial advising, having previously worked as a Financial Consultant at Fidelity from 2010 to 2015 and as a Financial Advisor at Morgan Stanley Smith Barney from 2004 to 2009. His professional focus includes investment council and retirement planning for affluent and high net worth investors. Marcus specializes in retirement planning, tax efficient investing, estate planning considerations, gifting strategies, Social Security, and asset preservation. He emphasizes clear communication with clients, aiming to provide collaborative guidance that is prudent and predictable. Outside of his professional work, Marcus has personal interests in biking, museums, reading, skiing, and traveling.

Russell Lagreca is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. Lagreca serves on investment committees for several nonprofit organizations, including the Community Fund of Harford County, the Catholic Family Foundation, and The John Carroll School. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets and offering financial planning through structured discovery and firm-approved tools.

Robert Friedman is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Friedman serves on the Maryland Board of Football Officials and works as a Game Day Assistant for the National Football League. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutions, employing structured financial planning tools and investment models to deliver tailored advice. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual plans and Corporate Financial Planning agreements.

David Kalvar is a financial advisor at Morgan Stanley with eight 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 individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outlook models.