Deren Reid is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been with various divisions of Fidelity since 2010. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and offers oversight of affiliated and unaffiliated sub-advisers.

Amber Rizer is a financial advisor with Merrill, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Merrill since 2015. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to an extensive suite of financial products and services beyond typical advisory offerings.

Rachel Rivera is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with five years of industry experience. Prior to joining Morgan Stanley in 2021, she worked at Henry J. Austin Health Center and has been involved with RWJBH Behavioral Health since 2013. Rivera serves as Committee Chair for Equity and Inclusion at the Financial Therapy Association. Morgan Stanley Wealth Management provides advisory and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-approved tools and offers a broad range of investment programs and strategies.

Stephen Jozwick is a financial advisor at Merrill with a Series 66 designation and no prior industry experience before joining the firm. He has worked previously at Bank of America, N.A., OneMain Financial, and had a period of self-employment. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients, including individuals, pension plans, and charitable organizations.

Dennis Facius is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 65 and Series 66 licenses and has an extensive background at MassMutual and MML Investors Services, where he worked for over three decades. In addition to his advisory role, he is involved in selling disability, health, and life insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory services, utilizing model portfolios, research from multiple sources, and advanced technologies across discretionary and non-discretionary management programs.

Benjamin Lanser is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Janney Montgomery Scott LLC and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and a range of investment products.

Guy Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 36 years of industry experience. He previously worked at VOYA Financial Advisors from 2014 to 2021 and has been with Cetera and Cetera Wealth Services since 2021. Outside of his advisory role, he is also an independent insurance agent and is involved with INOVA Financial Associates. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Frederick Davis is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds a Series 66 designation and previously worked at Merrill for eight years before joining Morgan Stanley Smith Barney in 2022. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a 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 involves structured discovery and firm-approved tools, with a focus on advisory services rather than individual security recommendations.

Kaitlyn Manning is a financial advisor at LPL Financial with eight years of industry experience. She holds Series 63 and Series 66 credentials and has worked at several firms including Cetera Advisor Networks, Massmutual, and Minnesota Life Insurance Company. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a broad range of advisory programs, financial planning, and retirement consulting supported by in-house and third-party research and technology solutions.

Paul Fallace is a financial advisor at Morgan Stanley in Baltimore, MD, with 21 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, Paul operates a lacrosse coaching and clinic business focused on youth skills training. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools.

Katalin Jambor is a financial advisor at LPL Enterprise with eight years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at The Prudential Insurance Company of America, Pruco Securities LLC, and Bankers Life. LPL Enterprise serves a broad range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model wealth portfolios, third-party asset management arrangements, and a variety of brokerage and insurance products via its integrated platform.

Thomas Wetzler is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves on the Investment Committee of the Pickersgill Retirement Community, a nonprofit organization. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and models to support their investment strategies.

Joseph Mondell is a financial advisor at Ameriprise with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Raymond James, T. Rowe Price, and Cavanal Hill. Outside of his advisory role, he serves on the boards of several nonprofit organizations in Baltimore, including The Education Foundation of Baltimore County Public Schools, League of Dreams, and Katz Music Center. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients with significant investable assets and delivers these services through a centralized consulting team in partnership with its financial advisors.

Clayton Ulman is a financial advisor with LPL Financial who holds a Series 66 designation and has 22 years of industry experience. He has been with LPL Financial and its predecessor firm since 2006. In addition to his advisory role, he is involved in the sale of disability, health, long-term care, and life insurance products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Megan Mohr is a financial advisor at Morgan Stanley with a Series 66 credential and one year of industry experience. Her prior roles include positions at Stepstone Group and Market on Main. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved planning tools.

Ferdinand Fiastro is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 18 years of industry experience with prior roles at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. Fiastro maintains an active insurance agent role, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is 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, wrap and money-manager programs, and educational seminars.

Jeffrey Harris is a financial advisor at Wells Fargo Clearing with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services, including a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Kristopher Ewers is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and one year of industry experience. His prior work includes roles at PNC Private Bank, Pro Grass LLC, Bradleys Wine and Spirits, and Shoprite. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools alongside its Financial Advisors and Estate Planning Strategies Group.

Noor Bhatti is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Bhatti worked in the service industry and held roles in education at Penn State Harrisburg, HACC, and Patapsco High School for The Center of The Arts. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Jones Jr. is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Fidelity, Avantax, Bank of America, Merrill, and Bluemount Financial. Outside of his advisory career, he operates Sonic Squirrel Productions, providing video editing and music composition services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers.