Erik Barrueto is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Debra Press is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Her previous roles include positions at Bank of America, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of her advisory work, she owns an eBay retail business specializing in household items, shoes, and collectibles. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Brenden Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He previously worked at Morgan Stanley for four years before joining Wells Fargo in 2016. Outside of his advisory work, he writes and records music. 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 utilizes research and analytics to support diversified investment strategies and offers both brokerage and advisory solutions.

Candido Palting III is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney since 2009, currently working at Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and risk modeling techniques.

Aaron Kelly is a CFP®-designated financial advisor with 11 years of industry experience. He is currently with LPL Financial, having joined in 2024 after nine years at Lincoln Financial Advisors Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Timothy Cerny is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior work includes over two decades at Guardian Life Insurance. He is also involved in selling non-variable insurance products through several providers. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Shane Smith is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Bethesda Wealth Planning Group and Georgetown Financial Group, as well as work in construction and education. He has also been affiliated with the University of Maryland for four years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs.

Joshua Ernest is a financial advisor at J.P. Morgan Securities with 8 years of industry experience and holds the Series 66 designation. Prior to joining his current firm in 2023, he worked at Bank of America and Merrill from 2014 to 2022. Outside of his advisory role, he is the owner and partner of Reefer Madness, LLC, a business involved in the sale of live coral reef animals. J.P. Morgan Securities provides institutional consulting to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may include ESG considerations, with implementation support from affiliated investment management entities.

Tendai Mubagwe is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Tendai worked at NIH Federal Credit Union and Premier Bank, among other roles. Outside of finance, Tendai is the founder and business manager of an online venture, DigitalMarketingbyT, which offers digital product templates and customizable gift items. 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, offering model-based and discretionary investment strategies for a diverse client base including individuals, high-net-worth clients, and institutions.

Jacqueline Jones is a Series 65-licensed financial advisor with 30 years of industry experience. She is currently with Cetera and Cetera Wealth Services, LLC, having joined in 2024, and previously worked with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co. Jones is also active as a financial advisor at Kinnect Advisors and holds a role as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with various program options and custodial relationships.

William Nicklas is a financial advisor at Merrill holding Series 66 and Series 63 licenses. He has been with Merrill and Bank of America since 2026 and previously worked at T. Rowe Price. Outside of finance, he has been involved in various educational roles and runs a self-employed dogsitting business. 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, offering model‑based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Matthew Roberts is a financial advisor at Merrill with 8 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Jeffrey Munson is a Series 66-licensed financial advisor with 27 years of industry experience, currently with Wells Fargo Advisors since 2021. Prior to joining Wells Fargo, he worked for RBC Capital Markets from 2009 to 2021. Outside of his advisory role, Munson is involved in entrepreneurial ventures including ownership interests in investment-related LLCs. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning services supported by Wells Fargo’s research and financial tools.

Simon Moore is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience that includes roles at the Naval Academy Golf Association and the Naval Academy AA&F. Outside of advisory work, he has been involved with the Naval Academy Golf Association. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Benjamin Maulone is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior experience includes roles at Encore Global and Bank of America, N.A. Outside of finance, he performs as a saxophone player with the Mood Swings Big Band, an event band based in Baltimore. 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, offering a range of model-based and discretionary investment strategies for individuals, corporations, and charitable organizations.

Justin Arter is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, and John C. Grimberg. Outside of finance, he has been involved with organizations such as the Y of the Chesapeake and McDaniel College. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. This service provides written recommendation reports and ongoing advice focused on income sources and tax-aware withdrawal strategies, relying on a centralized team that collaborates with advisors and uses a combination of investment research, data, and algorithmic tools.

Thomas Mc Elwee is a financial advisor at LPL Enterprise with 13 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Prudential Insurance Company of America and Mutual of Omaha. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, and corporate entities, using model-driven investment implementation and offering access to third-party asset managers and financial planning.

Stacey Spedden Irrgang is a financial advisor at Osaic Wealth with over 32 years of industry experience. She holds a Series 66 designation and previously spent more than three decades with Lincoln Financial Advisors Corporation. In addition to her advisory role, she owns Stacey Spedden & Associates, LLC, which manages business expenses and payroll, and is active in offering insurance products including accident, health, disability, and traditional life insurance. Osaic Wealth serves a diverse client base including retail, institutional, and high-net-worth investors, offering brokerage and advisory services across various programs such as comprehensive financial planning and Unified Managed Accounts. The firm’s investment process utilizes model-based asset allocation and portfolio optimization supported by risk assessments and rebalancing tools, operating on a large multi-advisor platform with a complex affiliate network.

Domenic Saraceno is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at Wells Fargo Bank, N.A., Wells Fargo Clearing Services, LLC, and First National Bank of Pennsylvania. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a specialized advisory program that offers written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s process incorporates quantitative and qualitative manager due diligence and employs a non-discretionary structure with client decision-making authority.

Robert Bobango is a Chartered Financial Consultant (ChFC®) with 35 years of industry experience. He is currently with LPL Enterprise and previously spent over three decades at Prudential Insurance Company of America and Pruco Securities, LLC. Bobango also engages in non-variable insurance activities through a Prudential-sponsored agency. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and insurance products through affiliated entities.