Drew Gagnon is a financial advisor at Morgan Stanley in Lutherville, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Morgan Stanley in 2025, he worked at RBC Capital Markets for three years and has experience at StoneBridge Advisors and The Arena Club. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering 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 supported by proprietary tools and models.

Geoffrey Flanders is a CFP® with 12 years of experience in the financial industry. He is currently affiliated with Charles Schwab and has previously worked at Nationwide Investment Services Inc, Bank of America, Merrill, and T. Rowe Price. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through a range of advisory, brokerage, and custodial services. The firm offers both non-discretionary and discretionary investment management options, utilizing multi-asset model portfolios and a formal alternative-investment process.

Timothy Barger is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 65 licenses and six years of industry experience. He has worked at various J.P. Morgan affiliates since 2018 and previously held roles at Academy Financial Advisors and Lincoln Financial Advisors. Outside of his advisory work, Barger serves as a board member on the NextGen committee of the Association for Corporate Growth, Maryland Chapter, a nonprofit focused on fostering corporate growth among young professionals. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Cecil Denton is the sole advisor at Decisions, LLC in Baltimore, MD, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Decisions since its founding in 1997. In addition to his advisory work, he is involved in life insurance activities with brokerage companies. Decisions, LLC provides financial planning and consulting services while referring clients to third-party asset managers and broker-dealers for portfolio management. The firm serves individuals, high-net-worth clients, business entities, and nonprofit organizations, and does not take custody of client assets.

August Gischel Jr. is a financial advisor at Capital Advisor Management with 4 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Global Brokerage Services, Inc. and Capital Advisor Management since 1999. Capital Advisor Management is an independent firm.

Renato Sciacqua is a financial advisor with Tilton-Steele International in Baltimore, MD, holding a Series 65 designation and four years of industry experience. He has been with Tilton-Steele International since 2012. Tilton-Steele International serves high-net-worth individuals, families, trusts, endowments, foundations, charitable organizations, and pension plans by arranging introductions between investors and independent investment advisors. The firm focuses on referral arrangements rather than discretionary portfolio management or asset custody, emphasizing advisor selection criteria and portfolio monitoring.

Troy Spratley is the principal of Troy R. Spratley Investment Advisory in Baltimore, MD, with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has operated his independent advisory firm since 2002. Spratley also has longstanding involvement with Spratley & Johnson, Inc. since 1995. Troy R. Spratley Investment Advisory is a state-registered, solo advisory firm that provides portfolio management services primarily for individual clients. The firm manages approximately $1.56 million in client assets and employs a compensation model that includes both asset-based advisory fees and commissions for certain transactions.

Richard Lenet is a CFP® professional with 26 years of experience operating Lenet Financial Resources, LLC, an independent advisory firm based in N. Potomac, MD. His practice is distinguished by its integration with accounting services through an affiliation with an accounting firm. Lenet Financial Resources, LLC serves a small client roster, delivering advisory services coordinated with accounting activities rather than traditional ongoing portfolio management. The firm’s approach emphasizes fee arrangements and advisory processes that incorporate tax and accounting considerations, targeting a client base outside the typical mass-affluent retail market.

Joseph La Rocque is a financial advisor with LaRocque Financial Group, LLC, holding a Series 65 designation and over four years of industry experience. He has held roles with multiple fund families including Franklin Templeton, Columbia Threadneedle, and Lincoln Financial Group. La Rocque serves as an independent director and trustee for mutual fund families in the UK, Luxembourg, Ireland, and the US, including chairing boards and audit committees. LaRocque Financial Group provides advisory services to individual and high-net-worth clients by referring them to third-party investment advisers rather than managing assets directly. The firm focuses on vetting and recommending licensed outside advisers and operates through fee-sharing arrangements without managing client assets or exercising investment discretion.

Nancy Bryant is a CFP® and holds a Series 63 license, with six years of experience in financial advising. She has been with Bryant Financial Advisory, Inc., an independent firm based in Baltimore, MD, since 2012. Bryant Financial Advisory, Inc. operates as a sole-advisor firm focusing on personalized financial advisory services.

Charles Nemphos is a financial advisor at NorthStar Wealth Management, Inc. with 39 years of industry experience. He has worked at NorthStar Wealth Management since 2005 and has held a position at Lasalle St. Securities, L.L.C. since 1998. Outside of financial services, he is involved in a family-owned clothing business, Yale Sportwear Inc. NorthStar Wealth Management provides investment advisory and financial planning services to individual and high-net-worth clients. The firm focuses on individualized portfolio management and periodic account reviews, offering tailored oversight through ongoing advisory relationships.