Christopher Glotzbach is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 employs a structured planning process supported by firm-approved tools and modeling techniques.

Mark Sauder is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management in Columbia, Maryland. He has over 20 years of experience in the financial industry, focusing his practice on providing advanced planning services for entrepreneurs and business owners. His expertise includes working closely with clients' tax and legal advisors to alleviate risk, execute tax strategies, and organize trust and estate structures. Mark offers a variety of services, including access to Bank of America cash management, lending, trust and estate services, retirement planning, investment strategies, and succession planning. His approach helps clients manage daily business cash flow needs, protect their companies and employees, and plan for wealth transfer and business succession. He is a Personal Investment Advisor (PIA) and a member of several professional organizations, including the Baltimore Estate Planning Council, Exit Planning Exchange, Howard County Estate Planning Council, Maryland Association Corporate Growth, and Maryland Association of Certified Public Accountants. He holds a bachelor's degree from Indiana University of Pennsylvania and attended the Milton Hershey School. Outside of his professional work, Mark has personal interests in cooking, golfing, and reading. His philosophy emphasizes connecting life and finances to carve a clear path forward for clients pursuing their goals.

Joseph Fink is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022 and was previously with Lincoln Financial Distributors from 2015 to 2022. Fink serves as a board member of the Park School of Baltimore Alumni Association and is co-trustee of the Fink Family Estate. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements.

Ryan Sboray is a financial advisor with UBS Financial Services, holding a Series 66 designation and totaling 20 years of industry experience. He has been with UBS Financial Services Inc. since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services alongside proprietary research and advisory solutions.

Russell Staley is a financial advisor with Equitable Advisors in Glenelg, MD, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, he serves as a cash solicitor for Cornerstone Advisory LLP and is a notary public in Maryland. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and a variety of third-party asset managers. The firm uses a hybrid referral and implementation approach and offers both advisory and brokerage/insurance channels to implement client recommendations.

Jonathan Wang is a financial advisor with Cetera Investment Advisers LLC and holds a Series 66 designation. He has 14 years of industry experience and has worked with firms including Merrill, Wells Fargo Clearing, HSBC Bank USA, and SunTrust. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Terry Morris is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Primerica Advisors, he worked at PFS Investments Inc. and spent over three decades at the U.S. Department of Agriculture. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Charles Burguieres is a financial advisor with LPL Enterprise, holding a Series 66 designation and seven years of industry experience. His career includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, among others. Outside of his advisory work, he is involved in property and casualty financial planning through Platinum Point Financial. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, and access to third-party asset management, combining advisory programs with brokerage and insurance product sales through an integrated platform.

Megan Breneman is a financial advisor with Wells Fargo Clearing holding Series 63 and Series 65 designations and has 23 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Matthew Horton is a financial advisor with Cetera and holds the CFP® and Series 66 credentials. He has seven years of industry experience, including roles at Avantax Advisory Services and Palumbo Financial and Tax Services, where he is a partner. Outside of his advisory work, he is involved in tax preparation, accounting, and bookkeeping services through his role in Palumbo Financial and Tax Services, which is transitioning to Rowhouse Financial Partners. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual, corporate, and institutional clients. The firm offers a range of portfolio management and financial planning services, allowing advisors to utilize both affiliated and third-party strategies across various program structures.

Noah Bergey is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, he worked in various roles including positions in the food service industry and spent five years at the University of Pittsburgh. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Joshua Schwartz is a financial advisor with Merrill in Columbia, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Merrill since 2006 and also works with Bank of America, where he has been employed since 2011. Outside of his advisory role, he serves as power of attorney for his brother in several fiduciary capacities. 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 diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Troy Broadbent is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Morgan Stanley, E*Trade Financial Corp, and PNC Investments. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Robert Link is a financial advisor with LPL Financial in Catonsville, MD, holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Financial in 2026, he worked at MML Investors Services LLC and MassMutual Life Insurance Company for five years, along with experience at Cantella & Co., Cabot Lodge Securities, and Wells Fargo Advisors. He is also involved in insurance sales through Statera Advisors, LLC, focusing on life, disability, long-term care, fixed annuities, and health insurance. 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 provides a range of financial planning and advisory services, including model portfolios, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options.

Andrew Williams is a financial advisor at J.P. Morgan Securities in Baltimore, MD, holding a Series 66 designation with seven years of industry experience. His career includes roles at Brown Advisory Securities, Merrill Lynch, and JPMorgan Chase Bank. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through its Institutional Consulting Services program.

Mibenge Sumaili is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and one year of industry experience. His prior roles include positions at Wells Fargo Bank, Select Quote, Graceway Logistics, and First Citizens Bank. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Traci Mitchell is a financial advisor at Morgan Stanley in Baltimore, MD, holding the CFP® designation along with Series 63 and Series 65 licenses. She has 28 years of experience in the industry, with prior roles at Citigroup Global Markets and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management provides a broad range of advisory services to both individual and institutional clients, including tailored financial planning supported by structured processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning programs.

Mark Kramer is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients, including executives, business owners, and families, to provide personalized financial advice and guidance tailored to their unique needs and goals. His approach emphasizes forming meaningful relationships that extend beyond investment transactions and supporting clients through various personal and financial milestones. Mark holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his bachelor's degree from Yeshiva University. Mark values understanding clients as both individuals and investors to develop financial strategies that align with their long-term objectives. In addition to his advisory role, Mark engages with the community by volunteering with local organizations, continuing the Merrill tradition of community participation.

Nic Altenburger is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2018. He focuses on understanding clients' priorities and developing tailored investment strategies to support their financial goals. Prior to this role, he worked in Workplace Planning & Advice at Fidelity from 2013 to 2018 and in Brokerage & Trading from 2008 to 2013. Nic holds a California Insurance License, enabling him to provide comprehensive financial services to clients. His experience spans various aspects of investment planning and advice within Fidelity Investments. Outside of his professional work, Nic enjoys spending time at the beach, fishing, participating in social events with friends, hiking, engaging in parenthood activities, and playing soccer.

Chase Cullison is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 credentials and four years of industry experience. His prior roles include positions at T. Rowe Price and Ennkar. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven and grounded in modern portfolio theory, with a range of investment options that include insurance-related vehicles and bank deposit sweep programs.