Adam Gelcich is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 designations and possessing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank since 2020, and previously was with Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and advanced modeling tools, and it offers a broad range of retail and institutional investment solutions.

Timothy Lott is a Series 66-licensed financial professional with 22 years of industry experience, currently affiliated with Cetera and a partner at Paved Wealth Partners, LLC. He has prior experience with Avantax and 1ST Global Advisors and is also a CPA partner at N/L Healthcare Advisory Accounting & Tax LLC, providing accounting and business advisory services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning solutions, overseeing more than $256 billion in assets.

David Sheusi is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. 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.

Lionel Desbordes II is a financial advisor at Edward Jones with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Edward Jones since 2009. Outside of his advisory role, he serves on the Board of Trustees for Glenelg Country School in Ellicott City, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management supported by a nationwide network of more than 23,700 advisors. The firm offers a range of advisory programs, investment strategies, and affiliated solutions under a fiduciary standard.

Jessica Chicorelli is a financial advisor at Charles Schwab with three years of industry experience. She holds a Series 66 designation and previously worked for 15 years at Akin Gump Strauss Hauer & Feld. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a centralized operational structure supporting a large client base.

William Dorr is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 licenses. He has 28 years of industry experience, including roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. In addition to his advisory work, he is an insurance agent offering life, property/casualty, health, and fixed annuity products. MassMutual Investors Services, LLC 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, using firm-approved tools to analyze client goals and deliver written recommendations.

William Koras is a CFP® with 30 years of experience in the financial industry. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Prior to Morgan Stanley, he worked at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs that include tailored financial planning and utilizes firm-approved tools and investment committee models to support client strategies.

Bonnie Krosin is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and 34 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and modeling tools, with clients responsible for plan implementation and updates.

John Webster is a financial advisor with MassMutual Investors Services in Hunt Valley, MD, holding Series 66, Series 65, and Series 63 licenses and 26 years of industry experience. He has been with MML Investors Services Inc and MassMutual Life Insurance Company since 2008. In addition to his advisory role, Webster coaches lacrosse at the Webster Lacrosse Academy. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on structured, goal-oriented client engagements.

Heidi Locastro is a financial advisor at Fidelity with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Merrill, PNC Investments, Mass Mutual Investors Services, and Metlife Securities. She has been with Fidelity in various capacities since 2022. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios composed of mutual funds, ETFs, and ETPs.

Beth Terry is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in providing financial solutions and personalized wealth management strategies for high net worth individuals, families, and businesses. She focuses on building relationships with clients to understand their risk tolerance, time horizon, liquidity needs, and overall investment goals, enabling her to offer tailored advice across all areas of their wealth management. Beth has been working in the financial services industry since 2006. She holds a Bachelor's Degree from the University of Georgia, where she studied Family Financial Management. Beth is a CERTIFIED FINANCIAL PLANNER™ professional and holds the Series 7, 31, and 66 FINRA registrations. She is also recognized as a Personal Investment Advisor (PIA) and is affiliated with Merrill Lynch. In addition to her professional work, Beth supports community organizations including UMAR, Marian House, and the Boys and Girls Clubs. Her personal interests include boating, golfing, reading, spending time with family, and playing tennis.

John Day Jr. is a financial advisor at LPL Financial with 32 years of industry experience. He has held his current role at LPL Financial since 1996 and holds Series 63 and Series 65 credentials. Outside of his advisory work, he has been involved in teaching seminars and selling non-variable insurance products, including disability, health insurance, fixed annuities, long-term care, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and corporations through a nationwide network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and various technologies to support diversified investment strategies.

Luke Welsh is a financial advisor with LPL Financial, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Financial, he worked at Goohoo Digital and held teaching positions at Coastal Carolina University and Glenelg High School. 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 advisory programs, financial planning, and retirement plan consulting, utilizing various investment management strategies and supporting technologies.

Bradley Hartzel is a CFP® and holds a Series 66 designation with 19 years of industry experience. He has been with Edelman Financial Engines since 2025, following prior roles within affiliated firms dating back to 2011. He is based in Ellicott City, MD. Edelman Financial Engines provides technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutions. The firm employs a committee-driven modeling process combined with planner support and online tools, offering both discretionary management and non-discretionary online advice.

Brian Walter is a financial advisor at RBC Capital Markets with seven years of industry experience. He holds a Series 66 designation and has worked at RBC Capital Markets since 2019, following eleven years with the Department of Defense. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Clinton Hare is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he is involved in purchasing model homes from a homebuilder, renting them out, and later selling the properties. 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 with both advisory and brokerage/insurance channels to deliver customized client solutions.

Karen Johnson is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing Services since 2018 and has been with Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Ahmad Bean is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018. His prior work includes roles at Bank of America, Ceasars Entertainment, MV Transportation, and Amazon. 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, pension plans, and charitable organizations. The firm is integrated with Bank of America’s broader platform, providing access to a wide range of financial products and services.

David Baitel is a financial advisor with LPL Financial based in Owings Mills, MD, holding Series 65 and Series 63 credentials and 23 years of industry experience. His prior experience includes roles at Metlife Securities, Massachusetts Mutual Life Insurance Company, M&T Securities, and Prudential-affiliated firms. Outside of his advisory work, he designs and sells dog ramps and operates a jewelry wholesale business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Ilghar Samadzadeh is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses. He has been with Wells Fargo Bank and Wells Fargo Clearing since 2023 and 2025, respectively. Prior to his career in financial services, he held roles at George Washington University, Vaco LLC, and Macy’s. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.