Micheal Lipshultz is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs structured discovery conversations and proprietary planning tools to develop financial plans, managing approximately $2.74 trillion in client assets.

Elisa Mullisi is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. Her work background includes roles at The Energy Authority, Cantor Fitzgerald, and the University of North Florida, among others. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by firm-approved tools and investment modeling.

Michelle Balfe is a financial advisor at Mass Mutual Investors Services with 23 years of industry experience. She holds the Series 63 and Series 65 designations and has worked with Mass Mutual Investors Services since 2017, following prior roles at MassMutual Life Insurance Co. and MetLife Securities Inc. Balfe serves as a board member of the Bowie, MD Green Team and is an independent insurance agent for group disability and group dental products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, offering programs including wrap accounts and educational seminars.

Matthew Roberts is a Financial Advisor at Merrill Lynch Wealth Management, serving as the first point of contact and trusted confidant for clients and their families. He and his team manage every aspect of clients' financial lives, delivering a comprehensive service aimed at providing lasting financial security and building generational wealth. Matthew's expertise includes executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, sports and entertainment, and tax minimization. His approach incorporates robust investment management, tax optimization strategies, retirement and income planning, estate and legacy coordination, lending solutions, and ongoing financial guidance. He holds a Bachelor's degree from the University of South Carolina System and earned his CERTIFIED FINANCIAL PLANNER (CFP) designation. Matthew treats every client relationship with the same care and attention he would give to his own family. His personal interests include football, golfing, music, pickleball, skiing, spending time with family, swimming, tennis, traveling, and volleyball.

Howard Ulmer III is a financial advisor with Raymond James Financial Services Advisors, holding Series 63 and Series 65 credentials and 36 years of industry experience. Prior to joining Raymond James in 2019, he worked at Wells Fargo Clearing Services for 14 years. Outside of his advisory work, he is also a musician, performing as a guitarist and singer. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities, with a focus on tailored, non-discretionary advisory solutions and risk-based financial reviews.

Kevin Link is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Cetera and its affiliates since 2021 and previously spent seven years at VOYA Financial Advisors. He is also the president and owner of Link Financial Corp and volunteers with the St. Agnes Hospital Charitable Foundation’s finance committee. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Ruben Banerjee is a CFP®-designated financial advisor with Raymond James Financial, based in Rockville, MD, and has three years of industry experience. He has held various roles within Raymond James since 2019 and was also associated with Financial 360, LLC as a registered representative and paraplanner. Raymond James Financial Services Advisors provides financial planning and investment consulting to a broad client base including individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, non-discretionary advisory services and maintains a notable presence in municipal and public finance through its affiliation with Raymond James’ Public Financing department.

Daniel Searles is a CFP®-certified financial advisor with four years of industry experience, currently with LPL Financial. Prior to joining LPL Financial in 2025, he worked with Grove Point Advisors LLC and Grove Point Investments LLC. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Michael Ritterpusch is a financial advisor at Fidelity with Series 63 and Series 66 designations and three years of industry experience. His prior work includes roles at Fourth Presbyterian Church of Washington, DC, and the US House of Representatives. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, including model portfolios delivered to intermediary platforms.

Wylie Rice is a financial advisor at Equitable Advisors in Columbia, MD, holding a Series 66 designation with eight years of industry experience. Prior to joining Equitable Advisors in 2018, Rice worked at AXA Advisors LLC and was employed at Johns Hopkins University and its Department of Cognitive Neurology. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and utilizes LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

Zion Chaflawee is a CFP® and ChFC® with seven years of industry experience. He is currently affiliated with Cetera and has held prior roles at LPL Enterprise, The Prudential Insurance Company of America, NY Life, and Eagle Strategies. Outside of his advisory work, he assists applicants with health and group insurance through separate insurance-related activities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement various portfolio strategies, combining discretionary and non-discretionary management across multiple program structures.

David Morton is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 credentials and 38 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in the family business, holding a 95% ownership stake in James A Morton & Sons Funeral Home and serving in corporate strategy. 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 advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Brian Eliff is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm and established the Ewers | Griggs | Eliff Group in 2015. Brian's primary role within the group involves identifying and establishing new client relationships that align with both client needs and Merrill Lynch's financial solutions. He is a CERTIFIED FINANCIAL PLANNER® certificant, having earned the certification in 2020. Brian focuses on a wealth management process that integrates financial planning, investment management, banking, lending, and estate planning, with an emphasis on prioritizing client goals and implementing tailored strategies. Brian holds a Bachelor's degree from Gettysburg College and is affiliated with the Gettysburg College Alumni and Alpha Tau Omega Fraternity. He is originally from Wyomissing, Pennsylvania, and currently resides in Kensington, Maryland, with his wife Reed and son Brooks.

Steven Hersh is a financial advisor with Ameriprise in Potomac, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Ameriprise and its predecessor entity since 2005. Outside of his advisory role, he owns and manages a business entity related to his Ameriprise practice. Ameriprise offers a retirement-income planning service targeting individuals nearing or in retirement with significant investable assets, providing detailed, non-discretionary recommendation reports that incorporate research, modeling, and tax efficiency analysis. The firm combines advisory, brokerage, and insurance solutions through affiliated entities and uses algorithmic tools alongside human oversight to generate tailored retirement income strategies.

Randall Zinn is a financial advisor with Mass Mutual Investors Services, holding Series 63 and 65 licenses and bringing 38 years of industry experience. He previously worked at Metlife Securities Inc. for 30 years and has been with Mass Mutual Investors Services since 2017. Zinn is also an agent involved in life insurance, health, fixed annuities, and long-term care. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs collaborative, software-supported planning methodologies and offers specialized programs including estate-settlement and event-driven employer-sponsored planning.

Beau Hall is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. He has worked at Charles Schwab Bank, Charles Schwab, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management through multi-asset model portfolios and provides integrated brokerage, custody, and advisory services.

Jason Veals is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Veals attended the University of Maryland from 2019 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs and investment solutions under a fiduciary standard.

James Hurley is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of his advisory work, Hurley is involved in managing rental properties jointly owned with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Ali Mozaffar is a financial advisor with LPL Financial in Potomac, MD, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. His prior roles include positions at United Brokerage Services and Capital One Advisors, LLC. He serves as a nonprofit board member. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of advisers, offering a range of advisory programs, financial planning, and retirement plan consulting.

Ronald Seegers is a financial advisor at Fidelity with 25 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His career includes roles at Fidelity Investments, Fidelity Personal and Workplace Advisors, and Fidelity Brokerage Services LLC. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is notable for its use of systematic methodologies, model portfolio delivery, and its regulatory registrations and advisory roles within the investment company sector.