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.

Marat Kushner is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he serves as a notary public in Baltimore County, Maryland. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Aron Maddox is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with MML Investors Services and MassMutual since 2015. Outside of his advisory role, he also works as a fulfillment associate at an Amazon fulfillment center. 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 provides financial planning, asset management, and educational seminars through structured, collaborative client relationships using firm-approved analytical tools.

Colin Renick is a financial advisor at Merrill with Series 66 credentials and two years of industry experience. His prior roles include positions at Bank of America, Sheppard Pratt, and the Social Security Administration. He also worked for five years with Sociedad de Capacitación Limitada, a language community organization. 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 plans, corporations, and charitable organizations.

Beth Petterson is a financial advisor with Primerica Advisors holding Series 65 and Series 63 licenses and has two years of industry experience. Her prior work includes roles at PFS Investments Inc., Primerica Financial Services, and various medical centers including Johns Hopkins Bayview Medical Center. Primerica Advisors is a large institutional firm managing approximately $15.5 billion in assets and serving primarily individual investors along with corporate and charitable clients. The firm offers a wrap-fee asset management program that utilizes model-delivery strategies managed by unaffiliated asset managers, supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Susan Frillman is a financial advisor at RBC Capital Markets with 14 years of industry experience. She holds a Series 66 designation and previously worked at Harbor Investment Advisory, LLC for 13 years before joining RBC in 2024. Outside of her advisory role, she serves as Treasurer for a local condominium association, overseeing financial accounts and payments. RBC Wealth Management provides services to a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

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.

Ryan Carr is a financial advisor with Ameriprise Financial Services, LLC in Bel Air, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked for MedStar Health from 2011 to 2020. He also manages an advisory business under J&R Juergensen Inc. as a Certified Financial Planner. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Mark McGrath is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Ameriprise since 2017 and previously spent 10 years with Stifel. McGrath serves on the boards of the Young Victorian Theatre Company and the Handel Choir of Baltimore and participates in the investment committee for the Church of the Good Shepherd. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach combines investment research, third-party data, and algorithmic tools to deliver tailored, tax-aware retirement strategies.

Karah Helm is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with 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. The firm offers model-based and discretionary strategies for a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Sophia Taslitsky is a financial advisor with Ameriprise in Owings Mills, MD, holding Series 65 and Series 63 licenses and three years of industry experience. She has previously worked at Miracle Mile Advisors, Kestra Investment Services, and Mutual of Omaha, among other roles. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides personalized retirement planning advice focused on reliable income sources and tax-efficient withdrawal strategies.

Michael Rufo is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he owns Giglio Rosa, LLC, a company that manufactures and sells alternative-leather goods including wallets and women's handbags. 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 a range of individual and institutional investors.

Elizabeth Paal Goss is a CFP®-certified financial advisor with 15 years of industry experience. She currently works with OSAIC and previously spent 15 years at Lincoln Financial Advisors. Goss serves on the alumni board of Calvert School, focusing on engaging young alumni through events and communications. OSAIC Wealth, Inc. provides investment advisory and brokerage services to a diverse client base including individual investors, institutions, and charitable organizations. The firm utilizes various asset-allocation tools and offers portfolios with a wide range of investment options, managed on discretionary or non-discretionary bases.

Michael Ford is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His previous roles include positions at Bank of America, N.A. and Merrill. RBC Wealth Management serves a diverse client base ranging from individual investors to institutions and offers a variety of advisory programs with customizable portfolio management and investment options. The firm integrates multiple investment managers and emphasizes a range of services including financial planning, custody, and brokerage.

Philip Defelice is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes 17 years at Wells Fargo Securities, LLC and five years at Divine Lifestyle Group Inc. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of services from financial planning and consulting to access to model portfolios and third-party asset management, utilizing an integrated platform that combines advisory programs with brokerage and insurance products.

Beau Horning is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has two years of industry experience and previously worked at Samsung Austin Semiconductor. He volunteers as a committee member for the Women’s Traffic & Transportation Club in Baltimore, MD. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, and charitable organizations, offering services such as financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals. The firm provides multiple investment platforms and strategies, including proprietary models under Founders Gate Capital and access to third-party managers.

Barbara Walters is a financial advisor with Equitable Advisors in Hunt Valley, MD, holding Series 66 and Series 63 credentials and 14 years of industry experience. She previously worked at RBC Capital Markets for 17 years and Stifel Independent Advisors for four years. Walters is also a commissioned notary for the state of Maryland. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model as both an SEC-registered investment adviser and broker-dealer.

Avis Fagu is a financial advisor with Wells Fargo Clearing, holding CFP® and Series 66 credentials and bringing 21 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a three-year tenure at WELLS FARGO Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting through a large network of advisors and a broad range of brokerage and advisory solutions.

Eric Villamater is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual 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 employs a structured planning process supported by firm-approved tools and investment committee analyses.

Timothy O'Brien is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his advisory career, he worked for four years at La Tolteca Mexican Restaurant. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients. The firm supports a range of clients including high-net-worth individuals, pension plans, corporations, and charitable organizations.