Jessica Burd is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation. She has been with Morgan Stanley since 2023 and previously worked for eight years at Beef Brother Deli. 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 supported by firm-approved tools and modeling techniques.

John Shea is a financial advisor at LPL Financial in Baltimore, MD, holding a Series 66 designation with five years of industry experience. He has worked at LPL Financial since 2018, with a brief period of unemployment and time as a homemaker prior to that. Shea is involved with Cobblestone Wealth Management, LLC, and Row Home Financial, entities associated with his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios and research from both internal and third-party sources.

Erik Moran is a financial advisor with Merrill in Towson, MD, holding Series 63 and Series 65 designations and 33 years of industry experience. He has worked at Merrill since 1993 and concurrently at Bank of America, N.A. since 2011. Outside of his advisory role, Moran serves as a committee member for St. James Church, assisting with advisor selection and endowment performance monitoring. 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.

Corinne Gaquin is a CFP® professional with eight years of experience at Raymond James Financial Services Advisors, Inc. She has been with Raymond James since 2016, supporting financial advisory activities in Towson, MD. In addition to her advisory role, she works with Armory Financial as an associate and provides support for another financial advisor. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, and institutional entities. The firm delivers non-discretionary planning tailored to client goals, utilizing analytical tools and supports municipal and public finance work uncommon among large institutional advisors.

Parth Shah is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include positions at Bank of America, Merrill, and AndWealth. He has been with Morgan Stanley since 2017. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Thaddeus Pedzich is a financial advisor with Cetera who holds the ChFC® designation and has 36 years of industry experience. He has worked at Cetera and its affiliates since 2021 and previously spent seven years with VOYA Financial Advisors. He serves as president and owner of Green Gate Technology, Inc., where he manages business, financial, accounting, and personnel activities, and is a member of the finance committee at Life Bible Fellowship Church. Cetera Investment Advisers LLC is an SEC-registered adviser operating a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a wide range of program structures and custodial relationships.

Pratt Rexford is a financial advisor at OSAIC with four years of industry experience and holds a Series 66 designation. He previously worked at Lincoln Financial Advisors Corporation for four years. Rexford’s background also includes roles outside of financial advising at companies such as Whitely Steel and Sawgrass Country Club. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm uses a range of asset-allocation tools and supports both discretionary and non-discretionary portfolio management.

Stephen Rafter is a financial advisor with LPL Financial based in Linthicum, MD. He holds Series 63 and Series 66 licenses and has 16 years of industry experience. Rafter's work history includes roles at Charles Schwab, Good Life Advisors, and the State Employees Credit Union of Maryland. Outside of his advisory work, he is also employed as a server and bartender with Atlas Restaurant Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing model portfolios and research from both internal and third-party sources.

Robert Bussells is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Philip Thomas is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with successful individuals and families to develop customized financial strategies focused on managing wealth, ensuring retirement security, and building lasting legacies in a cost-effective, tax-efficient, and risk-appropriate manner. His client focus areas include divorce transition planning, defined contribution plan investment consulting, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategies, tax minimization, and retirement income planning. Philip holds a Bachelor's Degree from Mount Saint Mary's University and holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He emphasizes persistence, empathy, and value-added service in his work, aiming to engage deeply with clients to help them achieve their financial goals. Outside of his professional responsibilities, Philip participates in community volunteer activities aligned with Merrill's tradition of service. His personal interests include boating, camping, fishing, and spending time with his family.

Benjamin Wells is a financial advisor at UBS Financial Services in Baltimore, MD, with 17 years of industry experience. He holds a Series 66 designation and has worked at UBS since 2007. Wells serves as an advisor to the Society of Cincinnati of Maryland, a nonprofit focused on educating the public about the American Revolution and Maryland’s role in it. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management services, including discretionary portfolio management and proprietary research.

Nicole Deangelo is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2024. Outside of her advisory role, she owns an inspirational website and designs and sells t-shirts online. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

William Glassman is a financial advisor at RBC Capital Markets with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009 and City National Bank since 2017. Glassman serves on the Board of Directors and is Development Committee Chairman for The First Tee of Baltimore, is a member of the Columbia University Medical Center Cancer Advisory Council, and serves on the advisory board for the Ed Reed Foundation. He also leads a rock band called BRS Productions LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutions, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies that utilize both in-house and third-party managers, and features integrated capital-markets and lending capabilities.

Alexander Knapp is a financial advisor at LPL Financial with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill, Bank of America, Ayco/Goldman Sachs, and Northwestern Mutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Richard Torgerson is a financial advisor with Cambridge Investment Research Advisors in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2015. He is also the owner of SharePower Responsible Investing, a separate business focusing on investment-related activities. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and estates. The firm offers a range of services such as financial planning, investment management, and retirement plan advisory through independent Financial Professionals, employing both proprietary model strategies and access to third-party managers across multiple custody and platform arrangements.

Michael Sprague is a Financial Consultant at Fidelity Investments, where he has been serving clients since 2023. In his role, he focuses on understanding clients' needs, fears, and goals to develop personalized financial plans. Michael emphasizes building relationships that go beyond finances, aiming to understand the factors that influence clients' decisions. This approach supports creating tailored strategies that align with clients' current situations and long-term objectives. Outside of his professional work, Michael enjoys fishing, golf, outdoor adventures, skiing, and traveling.

Stanley Kosack III is a financial advisor at Raymond James Financial Services Advisors, Inc. with 20 years of industry experience and holds a Series 66 credential. His work history includes roles at Merrill Lynch, Bank of America, and NYLIFE Securities, among others. He is also involved with Atlantic Union Financial Consultants, LLC/AUB Wealth Management as a financial advisor. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm delivers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Michael Henault is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and possessing 10 years of industry experience. He has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management, leveraging proprietary research and institutional trading capabilities.

Andrew Fink is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that uses firm-approved tools and modeling techniques to support client outcomes.

James Stafford is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 65 credentials and having 29 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, tailored to each client’s risk profile and utilizing a combination of in-house and third-party investment managers.