Mark Schulze is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley since 2017, including seven years at Morgan Stanley Private Bank, N.A., and has prior experience at Park Avenue Securities, LLC and Guardian Life Insurance Co. of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Kevin Brandel is a Wealth Management Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in the Towson, MD office. He is a CERTIFIED FINANCIAL PLANNER® practitioner who builds personalized financial strategies tailored to the unique needs of families and individuals. Kevin manages custom investment strategies on a discretionary basis, selecting from a range of Merrill model portfolios and third-party investment strategies. Kevin earned his bachelor's degree in Finance and Marketing from the University of Kentucky in 2013. He completed the Financial Planning Certificate Program at Bryant University and earned the CERTIFIED FINANCIAL PLANNER® certification in 2019. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He resides in Sykesville, MD with his wife Kristen and their two sons, Shane and Grant. Outside of work, Kevin spends time with his family and enjoys golfing. He is a member of the Carroll County Chamber of Commerce.

Charles Koras is a Series 66 credentialed advisor with Morgan Stanley in Lutherville, MD, beginning his industry career in 2025. Prior to joining Morgan Stanley, he worked at St John Properties and held roles at the University of Maryland College Park and Loyola Blakefield. Outside of finance, he is involved as an assistant coach with Predators Lacrosse, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Alan Brennan is a Series 66-licensed financial advisor with Equitable Advisors, based in Columbia, MD. He has one year of industry experience and previously worked at the Henry M. Jackson Foundation for six years. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

John Gibson Jr. is a CFP® with 31 years of experience in the financial services industry, currently associated with LPL Financial since 2023. His prior roles include positions at Fulton Bank, Raymond James Financial Services, and M&T Securities. In addition to his advisory work, he serves as a notary in Annapolis, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Young Hwang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with AXA Advisors, LLC until 2020. Outside of his advisory role, he is involved in an insurance brokerage business. Equitable Advisors serves a broad range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes third-party asset managers and advisory programs to tailor investment strategies based on client risk tolerance and objectives.

Charisma Greene is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and three years of industry experience. Prior to her current role, she worked at J.P. Morgan Securities and JPMorgan Chase Bank. In addition to her advisory work, she is involved with NewLuc DMV LLC. 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.

Colleen Schuler is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party subadvisors, and technology-driven strategies.

Joel Margolis is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley and its Private Bank 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 and financial planning services supported by structured tools and modeling techniques.

Kenneth Cooper is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 49 years of industry experience. His prior firms include Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Company. He is also a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.

Ali Haider is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 63 designations and one year of industry experience. His prior work includes roles at Fidelity Direct Mortgage, JP Morgan Chase Bank, and PNC Bank. 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 supported by research from Wells Fargo Investment Institute and third-party sources.

Steven Robinson is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has been with UBS Financial Services since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning, portfolio management, and product distribution. The firm combines institutional trading capabilities with wealth management and offers research, custody, underwriting, and capital markets services.

Kevin Howard is a financial advisor at Cetera with 25 years of industry experience. He holds the PFS™ designation and is a licensed CPA. His career includes leadership of his own CPA firm and extensive experience with Flying Cloud Money Management, as well as recent roles at Avantax Investment Services. Outside of his advisory work, he serves as Treasurer for Columbia Pro Cantare, a nonprofit community choral organization, and the Conscious Business Association of Maryland. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, with options including discretionary and non-discretionary management as well as access to affiliated and third-party managers.

John Cahill IV is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at PNC Investments for six years before joining Wells Fargo Clearing in 2018. Outside of his advisory role, he serves as a Firefighter II and driver with the Kent Island Volunteer Fire Department. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice.

Vladimir Greben is a financial advisor with LPL Financial based in Owings Mills, MD, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he is involved in wealth management operations under his own business name and holds a non-variable insurance license. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

Austin Miller is a financial advisor at Equitable Advisors with two years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience at Vicus Capital, Partners Financial Group, Penn Mutual, and Cetera Advisor Networks. Outside of his advisory work, he was involved in his family's farm business for six years. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset management programs. The firm utilizes both in-house and third-party advisory models and provides ERISA fiduciary services through credentialed representatives.

Jordan Braverman is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation and entering his first year in the industry. His prior experience includes positions at James Madison University and involvement with La Food Marketa. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm employs a network of Investment Adviser Representatives and offers access to both firm-offered and third-party advisory programs.

Matthew Emerson is a CFP® professional with six years of industry experience, currently affiliated with LPL Financial. His prior roles include positions at Lincoln Financial Advisors Corporation and Triad Advisors LLC. Emerson’s background also includes work in dining services and university employment. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management options along with model portfolios and research support.

Victoria Walker is a Series 66 licensed financial advisor with 13 years of industry experience. She has worked at Raymond James Financial Services Advisors, Inc. since 2019 and previously spent seven years with Wells Fargo Clearing. Walker also serves as Acting Branch Manager at Merriweather Money Management, LLC, where she manages daily branch operations and oversees compliance and business activities. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutional clients, and charitable organizations. The firm utilizes risk profiling and analytical modeling to tailor its non-discretionary planning and encourages implementation through its advisory programs and other providers.

Kayla Kastner is a financial advisor at UBS Financial Services in Baltimore, MD, holding a Series 66 designation with two years of industry experience. She previously worked at Edelman Financial Engines for four years and has additional experience in mortgage services and healthcare. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm employs proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.