Howard Soltoff is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with MML Investors Services, Inc. since 1996. Outside of his advisory role, he is involved as a sales agent with Tribridge Partners, LLC, focusing on various life, health, disability, fixed annuities, and long-term care insurance products. MML Investors Services, LLC 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, and educational seminars, with planning engagements structured as ongoing collaborations that produce written recommendations based on detailed client data and firm-approved analytical tools.

Kevin Bultman is a CFP® and ChFC® with 38 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He has operated his own firm, Kevin F. Bultman, LLC, since 2004 and is also involved with The BJ Executive Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of advisory strategies supported by research and technology tools.

Omar Jennings IV is a Series 66-licensed financial advisor with Equitable Advisors in Columbia, MD, where he has 16 years of experience. Before Equitable Advisors, he worked at AXA Advisors LLC for 10 years. Outside of his advisory role, he is the sole member of Hudson Thomas LLC, a business entity unrelated to investment activities. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset management. The firm’s approach involves matching clients to appropriate program models or discretionary managers, utilizing both proprietary and third-party solutions delivered through a network of advisers.

Patrick Hutchinson is a CFP® professional with 12 years of experience in the financial advisory industry. He is currently with Morgan Stanley and has held roles at Morgan Stanley Private Bank, Commonwealth Financial Network, Severn Financial Advisors, and Cambridge Investment Research. Hutchinson is based in Baltimore, MD. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Raymond Sutton is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 registrations and beginning his career in 2025. His prior work includes roles at Turf Valley Resort, Towson University, and community organizations such as the Elkridge Youth Organization. Equitable Advisors serves individual and institutional clients with financial planning, retirement plan consulting, and various asset management programs, utilizing both in-house and third-party managers to tailor investment solutions.

Ariana Mary Waitkavicz is a financial advisor at UBS Financial Services with eight years of industry experience. She has been with UBS since 2017 and holds a Series 66 designation. She is based in Hunt Valley, MD. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, including fee-based financial planning and discretionary portfolio management. The firm integrates proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances while offering a wide range of capital markets services.

Patrick Vaughan is a financial advisor with RBC Capital Markets, holding a Series 63 designation and 43 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile through a combination of in-house and third-party investment managers.

Gavin Potterfield is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has previously worked at the University of Louisville, Delta Financial Advisors, and Humana Inc. Outside of financial services, he has experience working in the hospitality sector at Hightopps Bar and Grille. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ryan Ghee is a financial advisor with Merrill in Hunt Valley, MD. He holds a Series 66 designation and has been with Merrill since 2022. Prior to this, he held positions at Amazon, Family Dollar, Giant, Safeway, and New Town High School. Merrill provides managed account services through its Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs a variety of portfolio implementation methods, including strategic and tactical asset allocation with options for tax-aware strategies.

Joseph Boddiford III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as positions at Citigroup Global Markets and Legg Mason Wood Walker. He volunteers with the James V McMahan Commission on Veterans Affairs, coordinating veteran community activities. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a range of advisory programs supported by structured planning tools and firm-approved methodologies.

Deren Reid is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Citigroup Global Markets and Legg Mason Wood Walker. Reid has been with Fidelity and its affiliated entities since 2010. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and may delegate management to sub-advisers while maintaining oversight controls.

Amber Rizer is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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. His work history includes roles at OneMain Financial and Bank of America. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Dennis Facius is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and bringing 35 years of industry experience. He previously worked at MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company. Facius is also involved in managing Retirement Plan Solutions, LLC and Strategic Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage solutions, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 with LPL Financial in Catonsville, MD, holding Series 63 and Series 66 credentials and bringing eight years of industry experience. Her prior roles include positions at Cetera Advisor Networks, Minnesota Life Insurance Company, and Massmutual, among others. 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 and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational and research tools.

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.