Omoniyi Oyekoya is a financial advisor at Morgan Stanley in Baltimore, MD, with three years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Fidelity Investments, JPMorgan Chase & Co, Ameriprise Financials, and Walmart. Morgan Stanley Wealth Management offers a range of advisory programs to individual and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct and corporate financial planning agreements.

Timothy Schere is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2014. He is based in Baltimore, MD. Morgan Stanley Wealth Management (MSWM) serves both individual and institutional clients, offering a variety 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 utilizing tools like Secular Return Estimates and Monte Carlo simulations.

Timothy Flynn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Avantax Investment Services and Avantax Insurance Agency prior to joining Cetera. Outside of advising, Flynn is involved with Free State Tax Associates, where he provides tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party managers through a multi-manager platform with discretionary and non-discretionary programs.

Nicole Kalinosky is a financial advisor at UBS Financial Services with 24 years of industry experience. She has been with UBS since 2009 and holds a Series 66 designation. Outside of her advisory role, she is involved with St. Stephen Roman Catholic Church and participates in providing Juice Plus+ products to interested individuals without solicitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Robert Dyer Sr. is a CFP® with 42 years of experience in the financial services industry. He is currently with OSAIC and has held previous roles at Securities America Advisors, Investacorp Advisory Services, and Compass Financial Group. Outside of advisory work, he is involved in life and health insurance sales and serves as co-trustee of a family member’s special needs trust. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management with access to third-party money managers and alternative investment options.

Todd Roop is a financial advisor with Morgan Stanley Wealth Management in Lutherville, MD, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include positions at Raymond James & Associates and BNY Mellon. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Fatimah Hijjawi is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018. Prior to her advisory career, she was affiliated with DePaul University for three years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and proprietary tools to model outcomes, offering advisory support without individual security recommendations as part of standalone plans.

Shannon Bowerman is a financial professional with 10 years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and has worked at firms including Securian Capital of the Chesapeake and Minnesotal Life Insurance Company. Outside of her advisory role, she is a partner in a property management business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Philip Nazzaro is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and models.

James Gabarra is a financial advisor at Primerica Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica since 2023. Prior to his current role, he was self-employed as a consultant and has experience working with Washington Spirit Soccer. He is also involved in non-investment business activities, including consulting and referrals related to home security and automation products. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm utilizes model-based investment strategies developed by third-party asset managers, supported by custodial and trade execution services from Pershing and BNY Mellon Advisors.

Joseph Cover is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Northwestern Mutual Investment Services and experience in the hospitality sector, including positions at Nacho Mamas and Bill's Seafood & Catering. 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 advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Allison Duvall is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and with six years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery processes and advanced modeling tools.

Paige Wasser is a financial advisor at Morgan Stanley with a Series 66 designation and 10 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2014 and is currently associated with Morgan Stanley Private Bank, N.A. Wasser holds power of attorney arrangements related to investment activities. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process uses firm-approved tools and modeling techniques to support client strategies without providing individual security recommendations as part of standalone plans.

Tricia Mauck is a financial advisor at Merrill with 25 years of industry experience. She holds the Series 66 designation and has been with Merrill since 1995. 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 broad range of clients including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s corporate platform, providing access to a wider set of products and services.

Joseph Fuggi is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Robert W. Baird since 2009. Fuggi serves as a Finance Committee Member for the nonprofit Mission Helpers of the Sacred Heart, where he reviews budgets, fundraising projects, and evaluates outside money managers. Robert W. Baird & Co.’s DDK Group provides wealth management services to individuals, corporate clients, pension and profit-sharing plans, and charitable organizations, offering a range of financial planning, portfolio management, and custody services supported by internal research and ongoing manager monitoring.

Joel Fink is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 credentials and over 20 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following prior work at Citigroup Global Markets. Fink serves as president of the board for Jewish Community Services of Baltimore and is involved with the Associated Jewish Federation of Baltimore. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques, serving clients primarily in an advisory capacity.

Jason Shanty is a financial advisor at Osaic with 16 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corp for 18 years before joining Osaic in 2025. Outside of his advisory role, he is an insurance agent offering fixed insurance products such as fixed annuities, indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Brandon Perzin is a Financial Advisor at Merrill Lynch Wealth Management, where he has been providing financial guidance since 2012. With a focus on personalized planning, Brandon assists individuals, families, and business owners with managing new wealth, personal retirement planning, portfolio management, tax minimization, and retirement income strategies. His approach centers on understanding each client's unique objectives to develop goal-based financial plans tailored to their needs. Brandon holds a Bachelor's Degree in Business Administration with a concentration in Finance from The George Washington University. He maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). His commitment to building long-term client relationships supports his mission to help clients make confident financial decisions through proactive planning and ongoing support. Outside of his professional duties, Brandon resides in the Canton neighborhood of Baltimore and enjoys activities such as golfing, cooking, and following Philadelphia sports teams. He also appreciates spending time with his family and engaging in sports including baseball, basketball, bowling, football, pickleball, and soccer.

Natalie Vicchio is a financial advisor at Raymond James & Associates with 11 years of industry experience. She holds the Series 66 designation and has been with Raymond James & Associates since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets with over 5,400 advisors. The firm serves a wide range of clients, including individuals, pension plans, corporations, and government entities, offering wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Noah Schettini is a CFP® professional with seven years of industry experience, currently advising at Cetera. His prior roles include positions at JPMorgan Securities LLC, JPMorgan Chase Bank NA, Ameriprise, and PNC Bank NA. He is also involved as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutions through a nationwide network of independent advisors. The firm offers a range of portfolio management and advisory services with access to both affiliated and third-party investment managers.