Kara Mikotowicz is a Planning Consultant at Fidelity Investments, where she collaborates with local Financial Consultants to understand clients' financial situations and assist them in working toward their financial goals. She focuses on helping clients develop financial plans tailored to their priorities and aspirations. Kara's professional experience includes roles as a Financial Advisor at American Wealth Strategy Group from 2021 to 2022, a Senior Financial Consultant at T. Rowe Price from 2020 to 2021, and a Financial Consultant at T. Rowe Price from 2019 to 2020. Through these positions, she has gained experience in financial advising and consulting. Outside of her professional work, Kara enjoys family activities, football, golf, pets, reading, and traveling.

Jared Simmons is a Planning Consultant at Fidelity Investments, where he has been working since 2025. In this role, he collaborates with clients to build comprehensive financial plans that help them prepare for and pursue their fullest retirement. Prior to his current position, Jared served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Representative from 2023 to 2024. He holds a California Insurance License.

James Straut is a financial advisor at Wells Fargo Clearing with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo entities since 2009, including Wells Fargo Advisors LLC and Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, tailoring investment solutions to plan objectives and risk tolerances while acting as an ERISA fiduciary.

Alexandra Jamieson is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2015. She holds a Series 66 designation and is based in Baltimore, MD. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients. The firm combines institutional trading capabilities with wealth management, offering fee-based financial planning, portfolio management, and access to proprietary research and capital markets services.

Destiny Efinda is a financial advisor at Fidelity with a Series 66 credential and less than one year of industry experience. Prior to joining Fidelity, Destiny held various positions including roles at Orange Theory Fitness and Towson University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its investment process.

Joseph Jones II is a Series 66-licensed financial advisor with Merrill in Baltimore, MD, with 22 years of industry experience. He has been with Merrill Lynch since 1995. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bryce Arnstein is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, he worked in various roles including at the University of Maryland and University Recreation & Wellness. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides a range of advisory programs without offering individual security recommendations as part of its standalone planning service.

Ronald Greene Jr. is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has been with LPL Financial since 2010 and has operated Greene Financial Services, Inc. since 1997. Outside of his advisory work, he is involved in art and painting through his business, Ron Greene Art. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management programs supported by technology tools and a broad non-advisory financial services platform.

John Mclaughlin is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, National Association 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 wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Joann Stout is a financial advisor at Morgan Stanley with nine years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley Smith Barney LLC since 2011. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Shelby Smith is a financial advisor with Primerica Advisors in Ellicott City, MD, holding Series 65 and Series 63 licenses and nine years of industry experience. Their background includes roles in various sectors such as transportation and staffing alongside a long tenure at Primerica Financial Services and PFS Investments Inc. Outside of financial advising, Shelby is a notary public and loan signing agent and also drives for Lyft on a part-time basis. Primerica Advisors serves primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm manages a wrap-fee asset management program that employs model-delivery strategies from unaffiliated asset managers and emphasizes advisory services through financial advisors who collect client information and present model recommendations.

Linda Schwab is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her prior roles include positions at M&T Securities, PNC Wealth Management, and Mercantile Brokerage Services. She is involved with Wilmington Advisors @ M&T, an investment-related business affiliated with her LPL practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing tools and a broad network of over 22,800 advisors.

Joseph Shaw III is a financial advisor with Raymond James Financial in Ellicott City, MD, holding a Series 66 designation and over 26 years of industry experience. His prior experience includes roles at Fulton Financial Advisors and The Columbia Bank. Raymond James Financial Services Advisors, Inc. serves individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm provides tailored financial planning and investment consulting, offering non-discretionary guidance supported by analytical tools and a range of advisory programs.

Joseph Reilly is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors, Equitable Advisors, and Northwestern Mutual Investment Management. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Richard Muller is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill Lynch. He is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Alexander Dodge is a financial advisor at Equitable Advisors with Series 66 credentials and no prior industry experience. He has held various roles outside the financial sector, including positions at The Home Depot and the University of Maryland’s Department of Recreation and Wellness. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a range of advisory models and third-party program sponsors to deliver investment solutions.

Ethan Grandinetti is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 credential with two years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at RBC Capital Markets and T. Rowe Price. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured financial planning process utilizing firm‑approved tools and offers a broad range of retail and institutional investment services.

James Metzbower Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and having 23 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and Founders Financial Securities LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Patrick Mcculloh is a financial advisor with RBC Capital Markets in Baltimore, MD, holding a Series 66 credential and 12 years of industry experience. His prior roles include positions at City National Bank, Bank of America, N.A., and Merrill. Outside of his advisory work, he serves on the Board of Directors for Roland Park Place, Inc., a not-for-profit life plan retirement community, where he chairs the Investment Committee. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients, offering advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and utilizes both in-house and third-party investment managers.

Callum Redman is a financial advisor at Raymond James Financial Services Advisors, Inc. with a Series 66 designation and three years of industry experience. He has worked with Richard Wagener and Wagener-Lee LLC since 2022 and has prior experience at Salisbury University and Howard Community College. Redman is also involved in administrative duties for Richard Wagener’s support company. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using advanced analytical tools and supports a large advisor network with specialized services such as municipal advising and SIMPLE IRA Employer Advisory programs.