Gavin Rayburn is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. He has worked at Morgan Stanley since 2012, including a role at Morgan Stanley Private Bank, N.A. since 2018. Rayburn serves as a board member on the Finance Committee at John Carroll School in Bel Air, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including financial and estate planning, employing structured discovery conversations and firm-approved planning tools in its approach.

Courtney Massey is a financial advisor at Fidelity with a Series 66 designation and two years of industry experience. She previously worked at Merrill, ClearOne Advantage, Lonzo Warren State Farm, Maryland Management Company, and Darden Restaurants. Massey also works as an independent contractor for a travel agency, focusing on trip booking, marketing, and itinerary planning. She is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Theodore Waters III is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY llc since 2014. Outside of his advisory role, he serves on the Investment and Finance Committees of St. Thomas Episcopal Church in Owings Mill, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.

Karen Bartz is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 24 years of industry experience. She has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is in the process of winding down a non-investment-related plastics sales business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques.

Mark Molowa is a financial advisor with Mass Mutual Investors Services in Bethesda, MD, holding the CFP® designation and a Series 66 license. He has 11 years of industry experience, including roles at Goldman Sachs, CETERA Advisor Networks, United Capital Financial Advisers, and Stifel. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, offering strategies that focus on investment categories rather than specific product selections.

Douglas Meyer is a financial advisor at Osaic Wealth, Inc. with 44 years of industry experience. He has held the Series 63 and Series 65 designations and previously worked for American Portfolios Financial Services, Inc. for 23 years before joining Osaic in 2024. On rare occasions, he has written life insurance and long-term care insurance. Osaic Wealth, Inc. serves a range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage, investment advisory services, financial planning, and access to third-party money managers, utilizing a variety of asset-allocation tools and portfolio construction methods.

Caroline Hulting is a financial advisor at Ameriprise with five years of industry experience. She holds the Series 66 designation and previously worked at Scarborough Capital Management and Solomonwood. Outside of her advisory role, she is involved with River Hills Consulting Services, LLC as a case manager and paraplanner. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Andrew Phillips is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 designations and nine years of industry experience. He previously worked at Foresters Financial Services and Live Nation before joining Ameriprise. Phillips also manages an advisory business through River Hills Consulting Services, LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach includes written Recommendation Reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, supported by proprietary research and third-party analysis.

Stanley Rodbell is a financial advisor with LPL Financial in Baltimore, MD, holding the Series 66 designation and bringing 29 years of industry experience. Prior to joining LPL Financial in 2024, he worked for Lincoln Financial Advisors Corporation for 27 years and has operated as an attorney since 1966. Outside of his advisory work, he is involved in legal services and real estate brokerage. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, and provides research and model portfolios to support diversified investment strategies.

Charles Fuller Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. His prior work history includes roles at Raymond James Financial Services and SunTrust Advisory Services. Outside of finance, he has been involved with Uber for the past decade. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Michael Sellitto is a CFP® professional with 16 years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at Garrison Forest Advisory Group, Pruco Securities, LLC, and Minnesota Life Insurance Co. Outside of financial advising, he is involved as an attorney and runs a bar review business for students. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through both advisory and brokerage services. The firm utilizes an integrated platform combining investment advisory, insurance products, and lending programs, with investment advice supported by LPL’s research, model portfolios, and third-party strategists.

Jeffrey Lubin is a financial advisor at Morgan Stanley in Baltimore, MD, with 32 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Merrill for 28 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and incorporates structured discovery processes and advanced modeling tools in its financial planning approach.

Daniel Rooner is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and 17 years of industry experience. He has been with Equitable Advisors since 2008, previously associated with AXA Advisors LLC during that period. 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/insurance channels to implement client recommendations.

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.

Victoria Cucina is a financial advisor at Wells Fargo Clearing with six years of industry experience. She holds a Series 66 designation and has worked previously at Merrill, Bank of America, N.A., and PLC Hardware. 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, relying on research and analytics from Wells Fargo Investment Institute and third-party sources.

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.

Garrett Cioffi is a Financial Advisor based in Columbia, serving as a trusted partner to business owners, highly-compensated employees, executives, and families seeking personalized wealth management. He works within Merrill Lynch Wealth Management, providing a disciplined, evidence-based approach to financial planning. His practice focuses on comprehensive wealth strategies including investment management, financial planning, trust and estate considerations, tax-efficient wealth strategies, and retirement income. Garrett collaborates with clients' CPAs and estate attorneys to ensure alignment of financial strategies with overall objectives. He assists clients in areas such as education planning, executive compensation, family wealth management, legacy planning, portfolio management, small business strategies, special needs planning, and tax minimization. Garrett holds a Bachelor's Degree from Salisbury University and the Personal Investment Advisor (PIA) designation. He is a member of the Sigma Alpha Epsilon Fraternity. In his free time, Garrett enjoys running, golfing, playing football, reading, and watching movies.

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.

Sonya Logan is a financial advisor at Edward Jones with 22 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses. Her prior experience includes roles at Spire Investment Partners, TD Ameritrade, and Scottrade. Outside of finance, she was the owner of a candle-making business, Lydon's Creative Concepts. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a range of wealth levels. The firm offers a variety of advisory programs and investment strategies, supported by a large national network of advisors and branch offices.

Karen Williams is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and previously worked for Wells Fargo Home Mortgage for seven years. Karen is based in Severna Park, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and investment options, supported by a large nationwide network of financial advisors and branch offices.