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.

Kelly Alcala is a financial advisor with Morgan Stanley, holding a Series 66 designation and 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by advanced modeling tools.

Mitchell Ford is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and with 32 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of finance, he is involved as a drummer with "Words of the Prophets," a tribute band to Rush. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Jeffrey Carlson is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as president of Nexus Group, Inc., a legal entity through which his staff is employed. Ameriprise provides a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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.

Steven Dannenmann is a financial advisor at LPL Financial with 36 years of industry experience. His prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Wise Financial Group. Outside of his advisory work, he is a professional poker player and an author. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive advisor resources and technology.

John Kunisch is a financial advisor at Fidelity with Series 66 and Series 63 licenses and one year of industry experience. His prior roles include positions at W&S Brokerage Services, Western and Southern Life, and Spark Investments LLC. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Tina Hines is a financial advisor with LPL Financial based in Hanover, MD. She holds a Series 66 designation and has one year of experience at LPL Financial, along with prior roles at Tower Federal Credit Union and Bank of America. Outside of her advisory work, she owns US Clothing LLC, operating under the name Uniform Pro. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary research and third-party strategies across various account types.

Michael Heigh Jr. is a financial advisor at Edward Jones in Columbia, MD, holding a Series 66 designation with nine years of industry experience. He has worked at Edward Jones since 2016 and previously spent two years at Bank of America. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Zachary Scott is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at NewDay Financial LLC and RagingBull.com LLC. Outside of his advisory role, he provides personal in-home support for individuals with disabilities through The Arc of Central Chesapeake Region and coaches high school baseball in Howard County. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by advanced research and operational tools.

David Kelley is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 1999. Outside of his advisory work, he manages a rental property in Towson, Maryland. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage with access to alternative investments and multi-asset model portfolios.

Robert Carrozza is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He previously worked at Bank of America/Merrill Lynch for 18 years before joining J.P. Morgan in 2026. He holds a Series 66 designation. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Richard Welsh is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 35 years of industry experience. His prior roles include positions at UBS Financial Services, Citigroup Global Markets, and Legg Mason Wood Walker. He operates under the Welsh Financial Group and WFG Wealth Management DBAs. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Paul Gladkowski is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2014, including his current role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides tailored planning primarily in an advisory capacity.

Matthew Alton is a financial advisor at OSAIC with two years of industry experience and holds the Series 66 designation. His prior work includes roles in the restaurant industry as well as academic and service positions. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various advisory platforms and legacy program transitions.

Shreya Tiwari is a financial advisor at Cetera with 15 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Advisors and First National Bank of Pennsylvania. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including 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 access to both affiliated and third-party managers.

George Konstantas Jr. is a financial advisor at Primerica Advisors with 40 years of industry experience. He holds Series 65 and Series 63 licenses and has been associated with Primerica since 1985. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and $15.5 billion in assets under management, delivering advisory services through model-based strategies developed by unaffiliated asset managers.

Joseph Heathcock is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and previously worked at Thrivent Financial, Burgundy Farm Country Day School, Veritas Underground Media, and Sandy Spring Friends School. Outside of his advisory role, he is involved in managing a residential property with his wife. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large nationwide network of financial advisors and branch offices.

Dustin Youngstrom is a Series 66 credentialed financial advisor with five years of industry experience, currently with Thrivent Investment Management. Prior to his current role, he worked at Howard County General Hospital and Grace Community Church. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm’s planning services can be combined with managed accounts under a consolidated billing option but remain separate offerings.

James Cannon is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with UBS Financial Services since 1987. Outside of his advisory role, he serves as a trustee for family trusts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory activities.