Kimberly Gould is a financial advisor at Morgan Stanley with 15 years of experience at the firm and four years in the industry. She holds a Series 66 designation. Outside of her advisory work, she is involved with Capitol Debate Inc. and Charter Senior Living LLC, an elder care business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

David Johnston is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he serves as co-trustee for family-related investment trusts. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Their advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among their investment offerings.

Garrett Conn is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 65 and Series 63 credentials and eight years of industry experience. Prior to joining Mass Mutual Investors Services in 2018, he worked for Northwestern Mutual and Enterprise Holdings. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning and offers various asset management programs alongside educational seminars.

Michael Hopkins is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 credential and over 25 years of industry experience. He has been with Morgan Stanley since 2009 and with the Morgan Stanley Services Group Inc. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients with a range 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 both direct and corporate financial planning services.

Sean Carter is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior roles include positions at Bankers Life and the University of Maryland, College Park. 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 a range of individual and institutional clients.

Bradley R. Knapp is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Baltimore, MD office. He joined Merrill Lynch in 2001 and has held various roles within the Firm’s Global Wealth and Investment Management Division, including Vice President in the Financial Planning Department at Merrill Lynch Corporate Headquarters and Financial Advisor positions in the Rockefeller Center office in New York City and the San Diego, CA office. Brad's expertise encompasses all aspects of wealth management with a focus on investment selection and planning, retirement income strategies, philanthropic planning, and estate planning strategies. He is a qualified Portfolio Manager who can manage personalized or defined investment strategies on a discretionary basis. His client focus areas include college education planning, family wealth management strategies, retirement planning, philanthropy, portfolio management, small business strategies, tax minimization, and retirement income. Brad holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the CERTIFIED INVESTMENT MANAGEMENT ANALYST® (CIMA®) professional designation. He is registered with FINRA Series 7 and 66 securities licenses, holds a State of Maryland insurance license, earned a Bachelor of Science degree in small business with a minor in consumer economics from the University of Vermont, and obtained a Master's degree in financial and tax planning from San Diego State University. Outside of work, Brad lives in Cockeysville, MD with his wife Amber and their four sons. He spends time hiking, skiing, playing golf, coaching youth lacrosse, and serves as a qualified Alpine Patroller with the National Ski Patrol.

Luis Otero Lopez is a financial advisor with Wells Fargo Clearing based in Columbia, MD. He holds Series 65 and Series 63 licenses and has experience working at firms including J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, he has been involved with LSJC Services since 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and combines research from its Investment Institute with third-party analytics to guide investment selection and portfolio diversification.

Sebastian Buonato III is a financial advisor at Morgan Stanley with 36 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as a board member for the Howard County Youth Hockey Club in Columbia, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning and managing approximately $2.74 trillion in client assets.

Mary Mc Carthy Melton is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Bank of America, Merrill, and T. Rowe Price. 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.

Matthew Riggin is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 offers planning services supported by firm-approved tools and methodologies.

Benjamin Cummins Jr. is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and five years of industry experience. He has worked at Merrill Lynch at Bank of America since 2017, with prior roles including a position at Accent Vending and time at Salisbury University. He currently serves as Treasurer of Trojanwood Golf Club, a small family-oriented golf club. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Andrew Miller is a Series 66 licensed financial advisor with Equitable Advisors in Columbia, MD, bringing three years of industry experience. Prior to joining Equitable Advisors, he worked at Charter Financial Group and has ongoing involvement with Honeywood Rentals, a party and event rental business where he manages inventory and installation. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, and institutions. The firm offers financial planning, brokerage services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored and other endorsed platforms.

Brian Horn is a CFP® with 29 years of industry experience. He currently works at OSAIC and previously spent 29 years with Lincoln Financial Advisors Corporation. In addition to his advisory role, he owns a car wash business and is involved with Heritage Financial Consultants, LLC. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and risk-tolerance assessments to develop tailored portfolios.

Edward Feduke is a CFP® professional with five years of industry experience, currently serving with Cetera. His prior work includes roles at Guardian Life Insurance Company, Park Avenue Securities, and multiple mortgage firms. Outside of his advisory duties, he volunteers as a college funding coach. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services and allows advisors to implement model portfolios, select third-party managers, or create customized strategies.

John Cox Jr. is a financial advisor at Ameriprise with 22 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2004. Outside of his advisory work, he engages in freelance writing and art, submitting short stories, poetry, and artwork for contests and publication. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jonathan Giannino is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2022, also spending time at Bank of America, N.A. since 2024. His work history includes a range of roles outside finance, including positions at social and retail companies. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Matthew Mc Govern is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as the president of the Wiltondale Improvement Association Board. Ameriprise is an institutional firm that offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team and algorithmic tools to generate tailored, tax-efficient recommendations.

Steven Hoffman is a financial advisor with Ameriprise based in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory work, he has ownership interests in a non-investment-related business called Pair of Queens. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning with written recommendations and ongoing advice, using proprietary research and tools within a defined investment framework.

Helen Haile is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Year Up School and managed a restaurant named Chercher. She also has experience as a self-employed professional and held a position at Addis Ababa University. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Brooke Myers is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and has worked previously at RBC Capital Markets and TD Bank. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct financial planning and corporate financial planning agreements.