Andrew Berkowitz is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 66 designation and has worked with Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, delivering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and planning tools as part of its financial planning process.

Shamli Mamgain is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Wells Fargo, she held roles at Urban Cooperative Bank Limited and Newbt Teas of London. She is also affiliated with the University of Baltimore. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Anthony Lepore is a financial advisor at Morgan Stanley in Baltimore, MD, with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its related entities since 2013, previously working at Scottrade. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

David Mott is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2013, having spent the past 11 years at Morgan Stanley Private Bank. Outside of his advisory work, he is involved in real estate ownership in Baltimore. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market outlooks.

James Lee is a financial advisor with MassMutual Investors Services in Columbia, MD, holding Series 63 and Series 66 licenses and 30 years of industry experience. He has held roles at Metropolitan Life Insurance Company and MetLife Securities Inc. since 1999 and has been with MassMutual Investors Services since 2017. Outside of advising, he is an agent involved in life and health insurance and owns Metropolitan Wealth Advisors, LLC. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships and provides specialized event-driven planning, including estate settlement and divorce planning.

Nicole Mc Donald is a Financial Advisor with Merrill Lynch Wealth Management. She partners with individuals, families, and organizations to develop personalized financial strategies aimed at pursuing long-term goals by aligning money with clients' values and aspirations. Nicole's experience includes a background in the hospitality industry, which contributes to her focus on listening and delivering tailored financial guidance. She provides support in areas such as retirement planning, wealth preservation, liquidity management, portfolio management services, and financial strategies for business owners and mission-driven organizations. Nicole holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Howard University and is involved in community service through the Howard University Alumni Club and the Phi Sigma Chapter of Sigma Gamma Rho Sorority, Inc. Nicole's personal interests include basketball, hiking, music, photography, spending time with family, and traveling.

Robert Demuth is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets beginning in 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides 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 financial planning process using firm-approved tools and market estimates, while generally acting in an advisory capacity for client plans.

Richard Mutua is a Financial Advisor at Merrill Lynch Wealth Management who collaborates with professionals, families, and business owners to navigate complex financial decisions. He focuses on creating strategic, actionable plans suited to each client's unique goals, including retirement, homeownership, and education funding. His approach emphasizes understanding clients' key priorities, such as health, family, and financial objectives, to ensure tailored guidance. His areas of expertise include corporate executive services, equity compensation, legacy planning, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. Richard's philosophy centers on helping clients uncover what matters most to them and their families to develop strategies for their financial goals. He aims to provide clarity, disciplined execution, and long-term trust throughout the advisory process. Richard holds a Bachelor's Degree from the University of Nairobi and is a Personal Investment Advisor (PIA). Outside of his professional role, he enjoys activities such as baseball, basketball, biking, boating, football, golfing, music, soccer, spending time with his family, and traveling.

Michael Peters is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 30 years of industry experience. His prior roles include senior positions at Avantax Advisory Services, 1st Global Advisors, and managing his own accounting firm, Michael G. Peters, PA, since 1988. His background includes both investment advisory and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and nonprofits. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Alexander Mairone is a financial advisor at Merrill based in Baltimore, MD, holding a Series 66 designation with 12 years of industry experience. He has been affiliated with both Merrill and Bank of America since 2012 and 2014, respectively. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base, including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based and discretionary investment strategies implemented by Managed Account Advisors LLC and offers access to a wide range of products and services through its connection with Bank of America.

Alison Sagi is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Merrill from 2018 to 2025 and spent six years at Johns Hopkins University prior to entering the financial sector. Sagi holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs structured financial planning tools, managing approximately $2.74 trillion in client assets.

Joseph Bell is a financial advisor with LPL Financial in Columbia, MD, holding CFP® and Series 66 credentials and bringing 17 years of industry experience. He has worked with multiple firms including Avantax Advisory Services and 1ST Global Capital Corp. He is also associated with Bell, Frech & Jacobs, a CPA firm specializing in tax preparation and accounting. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party research, and technology-driven investment strategies.

Brendan Smith is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. His work history includes roles at Equitable Advisors and Merrill Lynch, as well as multiple positions at Clemson University. 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, offering both advisory and brokerage/insurance channels to implement client recommendations.

David Hicks is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at firms including Triad Advisors and OSAIC before joining Cetera in 2025. Outside of his advisory role, Hicks is a partner in a joint venture managing apartment rentals and serves as president of his own business entity. Cetera Investment Advisers LLC operates as a large multi-manager platform serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services and supports advisors with multiple program and custodial options.

Ronnie Rounds II is a financial advisor at Equitable Advisors with a Series 66 designation and no prior industry experience. His work history includes positions at CWCapital and academic roles at Louisiana State University and Bishop McNamara High School. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating through multiple program sponsors and third-party managers.

Robert Bowman is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 66 and Series 63 licenses. He has been with Wells Fargo Clearing since 2025. His prior roles include various positions at James Madison University and other organizations. 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.

Michael Stein is a financial advisor with Merrill in Baltimore, MD, holding Series 63, 65, and 66 licenses and 25 years of industry experience. His prior roles include positions at T. Rowe Price and PNC Bank. Stein also serves as trustee for an irrevocable trust, overseeing distributions and annual tax filings. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Balakirsky is a financial advisor with LPL Financial in Columbia, MD, holding a Series 66 designation and having 22 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory work, he has a small involvement in acquiring local tax liens. 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 various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management along with model portfolios and research support.

Kevin Hutt is a CFP®-designated financial advisor with 30 years of industry experience, currently affiliated with Cetera. His career includes long-term roles at Avantax and ownership of Onyx Asset & Wealth Management LLC. Outside of his advisory work, he serves on the boards of several nonprofit organizations, including the Christian Jail Ministry and the National Children's Center, and is involved in community leadership as president of the Hidden Ridge Homeowners Association. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform enabling advisors to implement a range of portfolio management strategies across various program structures and custodial relationships.

Connor Flynn is a financial advisor at Merrill with 11 years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2017, following two years at Axa Advisors, LLC. Merrill provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies across a broad client base including individuals, high-net-worth clients, and institutional fiduciaries.