Jennifer Klein is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she works as a consultant teaching people how to crop and scrapbook their photos and memorabilia and sells supplies related to this activity. Morgan Stanley Wealth Management provides advisory programs and 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 conversations and firm-approved tools, offering a range of investment and planning services.

Zongying Montgomery is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 11 years of industry experience. She has been with Morgan Stanley and its affiliates since 2013. Outside of her advisory role, Montgomery owns and manages Moving Waters, LLC, a property management business. Morgan Stanley Wealth Management offers a wide range of advisory programs for individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-linked financial planning services.

Eliza Socito Balubar is a financial advisor at Primerica Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Primerica since 2014. Prior to her current role, she was employed at the University of Maryland Medical Center from 2006 to 2018. In addition to her advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of discretionary separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap fee structure rather than fixed fees.

Aaron Polun is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and has previously worked at Grove Point Advisors LLC and Equitable Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Daniel Klosterman Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at LPL Financial since 2010 and has maintained his own practice, Klosterman & Associates, since 1986. Outside of advising, he is involved in a CPA practice providing bookkeeping and tax preparation services and also sells life insurance products and fixed annuities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management and incorporating model portfolios, research, and advanced technologies.

Casey Cheek is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 63 and Series 66 designations. His career includes time at Bank of America N.A. and Merrill, where he has worked 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jordan Banks is a financial advisor at Merrill with Series 63 and Series 66 credentials and three years of industry experience. His prior roles include positions at Bank of America, JPMorgan Chase Bank, and Truist Financial. Banks also has experience with Western Governors University and the University of Maryland - College Park. Merrill 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.

Robert Turner Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 23 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 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.

Beau Volley is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Securities for 22 years. Outside of his advisory role, he owns a private company and manages rental property holdings. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable investment strategies supported by both in-house and third-party managers.

Yong Lee is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America N.A. since 2012. 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 plans, corporations, and charitable organizations.

Jennifer Sevier is a CFP® professional with 25 years of experience in the financial advisory industry. She has been with Edelman Financial Engines and its predecessor entities since 2009. Her credentials also include Series 63 and Series 65 licenses. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, providing both discretionary and non-discretionary investment solutions.

Christopher Rockey is a CFP® with 22 years of industry experience. He is currently with OSAIC and previously worked at Woodbury Financial Services and Capital One-affiliated firms. He is a partner at Capital Harvest Wealth Partners, providing financial planning and investment services to clients. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of advisers. The firm employs asset-allocation tools and multiple platforms to construct diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Debbie Merlos is a financial advisor with Merrill holding a Series 66 designation and four years of industry experience. She has been with Merrill and Bank of America, N.A. since 2011. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Rachel Corregan is a financial advisor with RBC Capital Markets in Baltimore, MD, holding a Series 66 designation and 12 years of industry experience. She worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for nine years before joining RBC Capital Markets in 2021. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs, providing discretionary and non-discretionary portfolio management and financial planning tailored to each client’s Advisory Risk Profile.

Nicholas Ibello is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 66 licenses. He has 13 years of industry experience and previously worked at Commonwealth Financial Network and Williams Asset Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

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.