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.

Zane VerBrugge is an Investment Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Financial Representative at Fidelity Investments from 2022 to 2023. In his current position, Zane focuses on understanding the unique financial situations of his clients to collaboratively develop financial plans aimed at meeting their future goals and addressing their concerns. Zane leverages the comprehensive investment resources available through Fidelity Investments to assist clients in navigating their financial journeys. His approach centers on becoming familiar with each client's individual financial story to provide tailored investment solutions. Outside of his professional work, Zane has interests in baseball, beach activities, fitness, football, running, and scuba diving.

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.

Samuel Downs is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has held positions outside of finance, including roles at Idaho Falls Chukars and UMBC. 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 various third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored investment solutions.

Leah Ruffner is a financial advisor at Merrill with nine years at the firm and two years of industry experience. She holds the Series 66 designation and works in Columbia, MD. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America enables access to a broad set of products and services beyond typical investment offerings.

James Polucha is a CFP®-certified financial advisor with 25 years of industry experience. He is currently with LPL Financial and has worked with M&T Securities since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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.

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.

Chris Cunningham is a Wealth Management Advisor with Merrill Lynch Wealth Management and serves as the Senior Resident Director of the Columbia, MD office. Since 1987, he has been helping clients pursue their financial goals through disciplined investment and retirement planning. He works with corporate executives, business owners, and affluent families to provide personalized investment advice tailored to their evolving financial needs. Chris’s expertise spans a range of areas including corporate executive services, family wealth management strategies, legacy planning, personal retirement planning, portfolio management, and investment strategy for both individuals and corporations. He applies over 40 years of combined financial services experience through the Cunningham/Fredricks Group, focusing on risk management, tax minimization strategies, private business succession planning, and advanced planning for liquidity events. He holds a Bachelor of Science in Business from Mt. Saint Mary's College and holds professional designations as a Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Chris resides in Glenwood, Maryland with his wife and five children. In his free time, he enjoys golfing, sailing, boating, tennis, and supporting various charitable endeavors.

Robert Holland 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, his work history includes roles in the hospitality sector and time as a student at the University of Delaware. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and a broker-dealer, utilizing a delivery model that incorporates LPL-sponsored programs and endorsed third-party managers.

Griffin Siegfried is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has been with Equitable Advisors since 2026. His prior experience includes roles at The Witherspoon Group and various positions outside the financial industry. 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 uses a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Michael Sughroue is a financial advisor at Merrill with three years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2022. Outside of finance, he has worked as a bartender at Stoney River Steakhouse and Grill since 2012. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional clients.

Kevin Wenger is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and three years of industry experience. He previously worked at T. Rowe Price and has experience in multiple sectors including energy services and education. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on written recommendation reports and ongoing retirement-income planning advice. The firm’s approach includes collaboration between a centralized service team and financial advisors, utilizing proprietary research and algorithmic tools to address asset allocation and withdrawal strategies within a distinctive investment framework.

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.

Gregory Rooney is a financial advisor at Ameriprise with six years of industry experience. He previously worked at the US Army Audit Agency and James Allen. Rooney serves on the Board of Directors for Carroll Manor Elementary School PTA and is Vice President of the Tuscarora Junior Titans. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with specific asset thresholds, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations.

Michael Achatz is a financial advisor with MassMutual Investors Services, holding ChFC® and securities licenses including Series 63, 65, and 66, and has 26 years of industry experience. He previously worked at METLIFE Securities Inc. for 14 years before joining MassMutual Investors Services in 2017. He is also an owner and partner of Metropolitan Wealth Advisors, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers collaborative, annual financial planning engagements using firm-approved analytical tools and also conducts educational seminars.

Annette Jackson Jolly is a financial advisor with Primerica Advisors in Hyattsville, MD, holding Series 63 and Series 65 credentials and possessing 24 years of industry experience. She has worked with PFS Investments Inc. since 2001 and Primerica Financial Services since 2000. Outside of her advisory role, she participates as a team leader and walker in the Avon Walk for Breast Cancer. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed account options under a wrap-fee structure. The firm curates third-party asset managers and delegates trading responsibilities while offering a tiered percentage-based fee model.

Michael Costigan is a financial advisor with Ameriprise, holding a Series 66 designation and 26 years of industry experience. He has worked at Ameriprise and its affiliated entities since 2005. His other business activities include ownership of Advisor99, which supports his Ameriprise practice. Ameriprise provides a retirement-income planning service targeting clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

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.