Megan Hendricksen is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. Her prior work includes roles at Wells Fargo Bank, M&T Bank, and PNC Bank. She is based in Columbia, MD. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Louis Foran is a financial advisor with RBC Capital Markets in Columbia, MD, holding Series 63 and Series 65 designations and bringing 42 years of industry experience. He has worked at RBC Capital Markets since 2009 and concurrently with City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers.

Tania Banach is a Financial Advisor with Merrill Lynch Wealth Management. She began her career in the financial services industry in 2018 after working with Bank of America and Merrill starting in 2015. Tania holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Throughout her career, Tania has worked with a diverse range of clients, from young professionals to retirees, assisting them in navigating the financial markets. Her areas of expertise include investment planning, retirement planning, estate planning services, and wealth management. She focuses on creating comprehensive financial strategies tailored to each client's needs and goals, employing a disciplined process that begins with listening to clients to ensure alignment with their objectives. Outside of her professional role, Tania participates in community activities, including involvement with Junior Achievement of Central Maryland. She enjoys staying active through yoga, hiking, biking, music, reading, running, swimming, and traveling.

Benjamin Goldsmith is a financial advisor with Wells Fargo Clearing based in Columbia, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Wells Fargo Clearing in 2025, he held positions at Bank of America, Merrill, and several other companies. His background includes roles outside finance in the automotive and hospitality sectors. 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 a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Dustyn Debernardo is a financial advisor with Fidelity Investments, holding a Series 66 designation and one year of industry experience. His prior roles include positions in education at Towson University and Baltimore County Public Schools. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified portfolios including mutual funds, ETFs, and ETPs.

Destiny Perry is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2023, Perry worked at Wells Fargo Bank and Wells Fargo Clearing, and has experience at Bank of America, Merrill, PayPal Inc., and FedEx Office. Outside of financial advising, Perry has a role in automotive sales and marketing with CarMax in Ellicott City, Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 that uses its Global Investment Committee’s estimates and modeling tools.

Craig Schelle is a Senior Financial Advisor at Merrill Lynch Wealth Management based in the Baltimore office. He has been with Merrill since 1990, focusing on developing, implementing, and managing wealth strategies that align with clients' risk tolerance and financial goals. His approach includes regular reporting on portfolio results and advising clients on necessary adjustments to their financial plans. Craig’s expertise spans a range of client focus areas, including education planning, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Hampden-Sydney College. Prior to joining Merrill, he worked at Sovran Bank from 1986 to 1990. Outside of his professional role, Craig is active in community service and volunteers with local organizations. His personal interests include biking, fishing, football, hiking, hunting, traveling, and watching movies. He resides in Hunt Valley, Maryland, is married, and has two children.

Josefina Sanchez is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Primerica Advisors since 1987 and has concurrently worked with Marieta S. Caragay, M.D. since 2014. Outside of advisory services, she is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure for its services.

Daniel Leatherman is a financial advisor at Cetera with 28 years of industry experience and holds the Series 66 designation. He has worked at Avantax in various capacities from 2012 to 2025 and has been operating his own CPA and financial services practice since 2006, providing accounting, tax preparation, and financial planning services. Leatherman also has a background in law enforcement training. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers and program structures.

Michael Gula is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, he held various roles in the hospitality and restaurant sectors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its formal advisory role to multiple registered investment companies and use of systematic methodologies in building model portfolios.

Michael Stebner is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has worked at Pfs Investments Inc since 2002 and Primerica Financial Services since 2000. Primerica Advisors manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and offers a range of portfolio management options supported by BNY Mellon Advisors and Pershing custody services.

Christopher Breen is a financial advisor at Ameriprise with five years of industry experience and holds a Series 66 designation. He previously worked at Heritage Financial Consultants and Towson University. Outside of Ameriprise, Breen is involved with Brad Schwartz Wealth Management LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides retirement-income planning advice through written Recommendation Reports and ongoing guidance focused on dependable income sources and tax-aware withdrawal strategies.

Steven Jakubowski is a Certified Financial Planner (CFP®) with 21 years of industry experience. He is currently affiliated with Morgan Stanley in Baltimore, MD, where he has worked since 2022, following a decade at TIAA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning uses structured discovery conversations and modeling tools but generally acts in an advisory capacity without providing individual security recommendations in standalone planning.

Donald Monroe is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 66 credentials and having 22 years of industry experience. He previously worked at Morgan Stanley for three years before joining Wells Fargo Advisors and Wells Fargo Bank NA in 2016. 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 brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Matthew Hodgson is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill Lynch since 2016. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Russell Phelps is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has held positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and tailored financial planning that incorporates firm-approved tools and modeling techniques.

Matthew Mc Cabe is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation. He has one year of industry experience, including previous roles at Weston Banks Wealth Partners and Crawford 1031. His background includes five years focused on full-time education prior to entering the financial sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools and analyses.

Dianne Brilhart is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and structured discovery processes in its financial planning services.

Michael Martin is a CFP® with 12 years of industry experience currently serving at Wells Fargo Clearing. His prior roles include positions at PNC Investments, Valic Financial Advisors, and Citizens Bank. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances.

Timothy Buccini is a financial advisor at Ameriprise with five years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2019. Prior to his advisory career, he was employed at Maryland Live! Casino for seven years. Outside of his advisory role, he is involved in retail sales and trading card buying and selling through small business ventures. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.