Albert Antlitz is a financial advisor with Equitable Advisors in Timonium, MD, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He has been with Equitable Advisors since 2005, following a concurrent period at Axa Advisors, LLC from 2005 to 2020. 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 various third-party programs. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Annakate Cross is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2004. Outside of her advisory role, she works as a retail cashier at a shopping mall, performing customer service and cashiering duties. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a discovery-based process and offers both direct and employer-sponsored financial planning services.

James Brady is a Financial Consultant who assists clients and their families in understanding their financial well-being and collaboratively developing plans for their short-term and long-term needs. He emphasizes building relationships based on trust to guide clients toward achieving their financial goals. He has held various roles in the financial services industry, including Investment Consultant, Relationship Manager, and Financial Services Representative at Fidelity Investments from 2022 to 2024. Prior to that, he worked at T. Rowe Price in positions such as Workplace Investment Consultant, High Net Worth Client Representative, and Retail Investment Services Representative between 2019 and 2022. Outside of his professional work, James has interests in concerts, cooking and baking, fitness, football, outdoor adventures, and pets.

Gerald Geddes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at firms including LPL Financial and Securian Capital of the Chesapeake, and he is the president and CPA of Geddes & Company, P.C., which provides tax preparation and planning services. Geddes is also involved in the sale of fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, operating with more than 10,000 advisors and over $256 billion in assets under management.

David Saffran is a financial advisor with LPL Financial based in Linthicum, MD. He holds a Series 66 designation and has 10 years of industry experience. Prior to joining LPL Financial in 2021, he worked at M&T Securities since 2016 and at M&T Bank from 2011 to 2019. 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 advisers. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party research, and technology-driven strategies.

Stephen Ross is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill and Bank of America prior to joining Morgan Stanley in 2022. He serves on the Investment Committee of the Foundation for Sulpicians of the United States, a civic and religious organization based in Baltimore, Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to model financial outcomes.

Hugo Warns III is a CFA® charterholder with 30 years of industry experience, currently serving at Stifel, Nicolaus & Company, Incorporated since 2005. He is co-owner and manager of Raptor Investments, LLC, a corporation focused on investments in privately held companies. Additionally, he serves on the boards of the Fred Haskins Commission, which is involved with amateur golf awards, and Bennabis Health, a company dedicated to improving patient health. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning, while clients retain discretion over implementation.

Steven Deboy Jr. is a financial advisor with Raymond James Financial Services Advisors, holding a Series 66 designation and 20 years of industry experience. He previously worked at LPL Financial for seven years and Janney Montgomery Scott for six years before joining Raymond James in 2026. Based in Baltimore, MD, he provides advisory services through Raymond James Financial Services Advisors. Raymond James Financial Services Advisors serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and state and municipal entities. The firm offers tailored, non-discretionary financial planning and investment consulting, supported by risk-based reviews and a range of institutional fiduciary solutions.

Cathy Dawson is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 20 years of industry experience. She has been with Morgan Stanley since 2009 and previously worked at Citigroup Global Markets beginning in 2006. 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 supported by firm-approved tools and investment research from its Global Investment Committee.

Clifford Andersson is a financial advisor with Merrill based in Baltimore, MD, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. His work history includes roles at Bank of America, N.A., MassMutual, and MML Investors Services. He serves as a board member of Mount Calvary Catholic Church, overseeing governance and operational matters. 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 plans, charitable organizations, and corporate fiduciaries.

Marco Sacca is a financial advisor at Robert W. Baird & Co. with 24 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 66 designations. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group provides tailored consulting and portfolio services, including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Lynn Misner is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. Her career includes roles at M&T Securities, Inc. from 2003 to 2021 and M&T Bank since 2021. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and various management approaches to address client needs.

Ronald Campbell is a financial advisor with Morgan Stanley based in Baltimore, MD, holding a Series 65 credential and bringing 23 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007. Outside of his advisory work, he is a self-employed songwriter and musician who occasionally performs his own songs. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through a structured planning process without providing individual security recommendations as part of standalone plans.

Christopher Gobrial is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has held prior roles at Bank of America, South River Mortgage, and several other companies across various sectors. Outside of finance, he assists with clerical and IT tasks at a medical practice operated by a family member. 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 a diverse client base including individuals, high-net-worth clients, and institutional investors.

Richard G. Mohelski is a Wealth Management Advisor, Senior Vice President, and Portfolio Manager at Merrill Lynch Wealth Management. With over 30 years in the financial industry and more than 20 years holding the Chartered Financial Analyst® designation, he employs a disciplined wealth management process that integrates clients' risk tolerance, time horizon, liquidity needs, and investment goals. Richard's approach includes comprehensive reviews of clients' financial and personal lives to establish tailored objectives and develop appropriate portfolio strategies. He utilizes the investment resources of Merrill and banking capabilities of Bank of America to provide products and services aimed at simplifying and integrating clients' financial lives. Richard regularly conducts financial reviews to monitor progress and adjust strategies as needed based on life changes or market conditions. Richard graduated from the University of Virginia in 1992 with a Bachelor of Arts degree in Economics and a Minor in Religion. He holds multiple professional designations including Chartered Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is a member of professional organizations such as the Baltimore Security Analysts Society, CFA Institute, College for Financial Planning, and National Association of Plan Advisors. Outside of his professional career, Richard is married to Gayle and they have two sons and a daughter.

Tom Quirk is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 32 years of industry experience. His prior work includes roles at Raymond James Financial and Baltimore County Council Towson. He also serves as an instructor at the Community College of Baltimore County. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Melanie Samoska is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and ten years of industry experience. She has worked at Bank of America, N.A. and Merrill since 2016. 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 plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s corporate platform, offering access to a broad set of products and services.

Demetrios Karagiorgis is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. His prior roles include positions at InFocus Financial Advisors and several non-financial organizations. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, utilizing structured financial planning tools and strategies supported by research from its Global Investment Committee.

Kieren Reilly Seivert is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and possessing 14 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015. Outside of his advisory role, Seivert is involved with Advisors Give Back, a nonprofit focused on civic and educational activities. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, with clients responsible for plan implementation and updates.

Sarah Cicero is a CFP® professional affiliated with Osaic, with 22 years of experience in the financial services industry. She has worked at Lincoln Financial Advisors Corp from 2003 to 2025 and StoneBridge Advisors, Inc. since 2005. She also owns StoneBridge Advisors and provides insurance products including disability insurance and annuities. Sarah serves as power of attorney for her mother, overseeing financial and legal decisions if needed. OSAIC serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and access to multiple investment platforms and third-party money managers.