Joseph Dankowski Jr. is a CFP®-designated financial advisor with 26 years of industry experience. He currently works at OSAIC and has previous experience at Lincoln Financial Advisors Corporation, Park Avenue Securities, Guardian Life Insurance Company, and Ids Life Insurance Company. Outside of his advisory role, he is involved in insurance-related business activities through Heritage Financial Consultants, LLC and Maryland Financial Planner, Ltd., where he offers and services various insurance products. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, pension, corporate, and charitable clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services with a range of investment options and portfolio management tools.

Christine Buckley is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding CFP® and ChFC® designations and possessing 24 years of industry experience. Her prior work includes roles at City National Bank and Huber, Weakland & Associates, Inc. She serves on the Board of Directors for the Baltimore Estate Planning Council. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm provides a range of advisory programs offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Alex Humphries is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range 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 that integrates advanced modeling tools, though clients are responsible for implementing and maintaining their plans.

Alexander Costos is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he serves as a Portfolio Manager, providing traditional financial advice, guidance, and planning, and manages discretionary personalized and defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus areas include education planning, family wealth management, retirement planning, socially responsible investing, and services for endowments, foundations, and non-profits, among others. Alexander began his financial services career in 2007. He holds a bachelor's degree from Bucknell University (2004) and a Master of Business Administration from Loyola University Maryland (2017). He earned the CERTIFIED FINANCIAL PLANNER® certification in 2016 and holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He also serves on the Board of Directors for the Maryland Family Network and is involved with the Loyola Sellinger School of Business Alumni Board. Raised in the greater Baltimore area, Alexander is the son of Bob and Sandy Costos. He resides in Phoenix, Maryland, with his wife Laura and their two children. His personal interests include boating, camping, cooking, football, gardening, hunting, reading, spending time with family, and woodworking.

George Hunter III is a financial advisor with Cetera, holding CFP® and Series 66 designations and possessing 22 years of industry experience. His career includes roles at Cetera Wealth Services, LLC and Resonant Financial Management. Outside of advising, he is an author and speaker on topics related to his book published in 2023. 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 financial planning services through a nationwide network of independent advisors and operates a multi-manager platform featuring both affiliated and third-party investment options.

Samantha Fiedler is a financial advisor with RBC Capital Markets holding a Series 66 designation and two years of industry experience. Her background includes roles in sports organizations such as Athletes Unlimited and coaching lacrosse through the HOCO Lacrosse Club. She also works part-time at Coppermine Heath & Fitness. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple fee-based advisory programs with tailored portfolio management strategies using both in-house and third-party investment managers.

Sean Kavanagh is a financial advisor with Merrill, holding a Series 66 credential and over 10 years of industry experience. He has been with Merrill since 2001. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad range of products and services beyond typical investment management.

William Thompson II is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with MML Investors Services, Inc. since 1997. Outside of his advisory role, he owns and manages Harmony Grove Farm, LLC and Harmony Grove Farm Management, LLC, which hold farm land and related assets. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars.

Jason Parks is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process utilizes firm-approved tools and market outlook models, focusing on advisory services without offering individual security recommendations as part of standalone plans.

Ian Hamsher is a financial advisor at Raymond James & Associates with six years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2019. His prior experience includes roles at INTL FCStone and Textron Aviation. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting through its Institutional Fiduciary Solutions division.

Nohemi Cecil is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc., and also has experience with John Hancock Life Insurance Co. Outside of finance, she is involved in her local community through a homeowners association welcome committee and sells handmade crafts at local shows. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools and efficient-frontier analysis to construct diversified portfolios tailored to client risk tolerance and investment objectives.

Howard Kleinman is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at MetLife Securities, Metropolitan Life Insurance Company, and MassMutual. His other business activities include insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of advisor representatives. The firm offers a range of financial planning and advisory programs supported by research and employs both discretionary and non-discretionary management strategies.

Matthew Day is a Series 66 licensed financial advisor with LPL Financial in Columbia, MD, where he has worked since 2008, totaling 18 years of industry experience. He is also involved with Belman Klein Insurance, providing life, health, disability, LTC, and fixed annuity insurance products. 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, model portfolios, and retirement plan consulting.

Douglas Sunday is a financial advisor at Ameriprise with 30 years of industry experience. He has been with Ameriprise since 2005 and holds Series 63 and Series 65 designations. Outside of his advisory work, he co-owns an Etsy shop called Sundays In The Woodshop, where he makes and sells small wooden items. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm delivers personalized, research-driven recommendations that integrate income sources, Social Security options, and tax-efficient withdrawal strategies.

Pratik Shrestha is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at J.P. Morgan Securities, Primerica Financial Services, and Transworld Business Advisors. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a broad range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets, offering both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Kristen Benner is a financial advisor at Merrill with 18 years of industry experience. She holds Series 65 and Series 66 licenses and has been with Merrill since 2009. Prior to that, she worked at Bank of America N.A., where she has been employed since 2002. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America allows access to a broad range of financial products and services.

Troy Elser is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc for 11 years before joining Wells Fargo Advisors in 2020. Outside of his advisor role, he owns Elser Wealth Management LLC and serves as a trustee and partner in several investment-related entities. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that address various financial needs using Wells Fargo’s research and tools.

David Seifert is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a trustee or co-trustee for several trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, with a financial planning process based on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate agreements.

Katie Hansen is a financial advisor with Ameriprise in Eldersburg, MD, holding a Series 66 designation and 10 years of industry experience. She has been with Ameriprise and its affiliated entity since 2014. Outside of her advisory role, she serves as Operations Director at Brad Schwartz Wealth Management LLC, supporting staff development and business operations. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary recommendations.

Melford Brown Jr. is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in consulting through his business, M G Brown & Associates, Inc. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.