Kristin Mccartin is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process.

Behzad Baharloo is a financial advisor at Wells Fargo Clearing with a Series 66 designation and three years of industry experience. His work history includes roles at Merrill, Regions Bank, Cetera, and Caci, as well as managing a family business, Orelity Family Fund, for nine years. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, 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 across a broad range of financial products.

Bill Polizos is a financial advisor at LPL Financial with 10 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments LLC, Capital One Advisors, LLC, Capital One Investing, LLC, and Morgan Stanley. Outside of his advisory role, he maintains involvement with Marniso Wealth Advisors Inc., a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives.

Holly Hobbs is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 19 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. for 13 years before joining Morgan Stanley in 2018. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through various programs including corporate financial planning agreements.

Elizabeth Mciver is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley since 2015, including a role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models as part of its advisory process.

Terrance Dandridge is a financial advisor with Stifel, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2016 and previously spent three years at T. Rowe Price. Stifel serves a diverse client base, including individuals, institutional clients, and nonprofit organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning.

Mark Altemus is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 33 years of industry experience. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers a broad range of investment and planning services.

Marco Rosas Ruiz is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and five years of industry experience. He has worked with Wells Fargo Bank, NA since 2016 and is also involved in managing Timbuktu Restaurant as a cashier. 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 employs a large team of advisors and utilizes research from Wells Fargo Investment Institute along with third-party data to support diversified investment strategies.

Andrew Frazier is an advisor at OSAIC Wealth, Inc. with Series 66 credentials and one year of industry experience. His prior work experience includes roles at Thrivent Financial, Thrivent Investment Management Inc, and several hospitality positions. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and maintaining a complex affiliate network.

Kenneth Graves is a financial professional at Cetera with over 32 years of industry experience. He has held roles at multiple firms, including Avantax and 1ST Global Advisors, and currently operates Paved Wealth Partners, LLC. Graves is also affiliated with NL Healthcare Advisory Accounting & Tax LLC, a CPA firm serving as the sponsor for the Avantax relationship. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors, providing services to individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with extensive program options and over $256 billion in assets under management.

Melissa Gregory is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has worked with Morgan Stanley since 2016 and was previously involved with Basignani Winery from 2014 to 2017. Morgan Stanley Wealth Management offers advisory programs to both individual and institutional clients, providing tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and combines a range of investment and planning solutions across retail and institutional markets.

Nathan Gounaris is a financial advisor at RBC Capital Markets in Baltimore, MD, holding a Series 66 designation and having two years of industry experience. His prior roles include positions at City National Bank and multiple engagements with Elon University and Woodholme Country Club. Outside of his advisory work, he has experience connected to 1623 Brewing Co. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies and a range of advisory programs. The firm combines in-house and external investment management resources to provide discretionary and non-discretionary portfolio management, financial planning, and custody services.

Aaron Troup is a CFP®-certified financial advisor with Ameriprise, based in Arnold, MD, and has 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and EZ Federal Benefits Education. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement with significant investable assets, offering detailed written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools to support its advisory process.

Andrew Berkowitz is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering financial planning and estate strategies supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Shamli Mamgain is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 licenses and four years of industry experience. She has worked at Wells Fargo Bank, nA and Wells Fargo Clearing since 2022, and has also been involved with the University of Baltimore since 2020. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

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 at Morgan Stanley with 36 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank since 2015. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and firm-approved methodologies.