Patrick Clark is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and has been with Cetera and Cetera Investment Services LLC since 2020. Prior to his financial career, he had diverse work experiences including roles outside the industry. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary authorities across multiple program structures.

Nicholas Smeresky is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and models such as Monte Carlo simulations as part of its financial planning process.

Ryan Engles is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that align with their individual goals and priorities, focusing on areas such as retirement planning, college education planning, family wealth management, legacy planning, tax minimization, and socially responsible investing. He brings experience in helping clients navigate the complexities of wealth planning by providing clear and personalized advice. Ryan holds a Bachelor's Degree from Babson College and has earned the Personal Investment Advisor (PIA) designation. He emphasizes understanding clients' personal perspectives to create strategies tailored to their financial objectives. Residing in Towson, Maryland, Ryan is involved in his community through youth sports with Towson Rec. Outside of work, he enjoys coaching and staying active with activities including running, basketball, baseball, football, pickleball, chess, and table tennis.

Michael Havlik is a financial advisor with Mass Mutual Investors Services, holding the CFP® and ChFC® designations and possessing 23 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and previously spent 14 years with Metlife Securities Co. Outside of his advisory role, he is an independent insurance agent specializing in health insurance and is a co-owner of Tidecreek Planning, LLC. Mass Mutual Investors Services 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, structuring planning engagements as annual, collaborative relationships that focus on goal analysis and written recommendations.

Gaurika Kapoor is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has worked at Bank of America, Merrill, and T. Rowe Price Investment Services. Outside of her advisory role, she is a co-owner of a family business called Gaurika Sood. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Scott Manning is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools alongside its Financial Advisors and Estate Planning Strategies Group to develop tailored plans.

Mark Schreder is a financial advisor at Stifel with 30 years of industry experience. He holds Series 63 and Series 66 designations and has been with Stifel Nicholas Inc. since 2014. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, which use forward-looking capital market assumptions and probabilistic modeling to inform asset allocation and planning analyses.

Benjamin Claffee is a Series 66-licensed financial advisor at Equitable Advisors with three years of industry experience. Prior to his current role, he held various positions across different sectors including education and retail. Equitable Advisors serves individual clients ranging from non-high-net-worth to high-net-worth, as well as pension plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives and utilizes third-party advisory programs alongside their own offerings.

Mary Burrows is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior roles include positions at Grove Point Investments, Apple Investment Advisors, H. Beck, Stifel, Wells Fargo Clearing, and A.G. Edwards & Sons. 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 range of advisory services and platforms, including financial planning, model portfolio programs, and institutional solutions, supported by a large network of investment adviser representatives.

Justin Muhl is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He began his career in the financial services industry in 2006 and has held various positions including Financial Consultant and Investment Consultant at Fidelity Investments, as well as roles at T Rowe Price and Northwestern Mutual Investment Services. With extensive experience spanning over a decade, Justin has developed expertise in financial consulting and investment services. His professional journey reflects a consistent commitment to partnering with clients to understand their financial goals and develop customized financial plans. Justin emphasizes building strong relationships with clients and their families, focusing on trust, reliability, and competency in his work.

Jeffrey Grodsky is a financial advisor with Cetera holding the CFP® designation and Series 63 and 65 licenses, bringing 17 years of industry experience. He has worked with firms including Avantax Investment Services and Carmichael & Associates Inc. Outside of his advisory role, he is involved with Palumbo Financial & Tax Services LLC, providing tax preparation and accounting services integrated with financial planning. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning services, supporting discretion levels ranging from automated allocations to custom strategies.

Gregory Sherwell is a financial advisor with Edelman Financial Engines, holding Series 63 and Series 66 credentials and 11 years of industry experience. He has worked at Edelman Financial Engines since 2025, following prior roles at Financial Engines Advisors L.L.C., Edelman Financial Services, LLC, and EF Legacy Securities, LLC. Edelman Financial Engines offers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, emphasizing diversified portfolios, periodic rebalancing, and long-term investment strategies.

Meylin Mauldin is a Financial Consultant at Fidelity Investments, where she collaborates with clients to design retirement plans aimed at meeting their goals. She emphasizes a holistic approach to financial planning, considering both lifestyle and legacy to help clients achieve a more fulfilled retirement. Her professional experience includes roles as a Financial Consultant at Fidelity Investments since 2021, an Investment Consultant at Fidelity from 2020 to 2021, a Financial Consultant at T. Rowe Price from 2017 to 2020, a Financial Representative at MetLife Premier Client Group from 2015 to 2016, and a Registered Banker at Wells Fargo Bank from 2013 to 2015. Outside of her professional work, Meylin has interests in art, the beach, food, golf, music, and running.

Karen Wright is a financial advisor with Cambridge Investment Research Advisors in Columbia, MD, holding Series 63 and Series 66 licenses and having 32 years of industry experience. She has been with Cambridge Investment Research Advisors since 2013. Outside of her advisory role, she works as an independent consultant providing alternative energy and gas services and serves as an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of discretionary and non-discretionary strategies tailored to client objectives.

Wendy Piniecki is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with 20 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory role, she is involved as an independent contractor in a sales position for a women-only company focused on in-home sales. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by proprietary tools and offers services that incorporate global investment research and scenario modeling.

Michael Lawrence is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individuals and institutional clients with a wide range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers its services directly and through corporate financial planning agreements.

Ejner Johnson Jr. is a financial advisor with UBS Financial Services in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with UBS since 1999 and has also worked at Prudential Securities since 1981. Outside of advising, he serves as a director at K Bank in Baltimore and is on the board of Chartwell Golf & Country Club, a private non-profit organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm uses proprietary research and model-based asset allocations to tailor financial plans, offering fiduciary financial planning, portfolio management, and capital markets services.

Kenton Brown is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with two years of industry experience. Before joining Morgan Stanley in 2024, he worked at General Solar Corporation for nine years and had a role at Golds Gym from 2018 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Vanessa Fernandez Salazar is a financial advisor at Wells Fargo Clearing with three years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing, Bank of America, N.A., and Merrill. Outside of her advisory role, she is employed part-time as a front-of-house team member at The Cheesecake Factory. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, supported by research from the Wells Fargo Investment Institute and a wide range of financial products through bank and insurance affiliates.

Brian Stamp is a financial advisor with Wells Fargo Clearing in Cockeysville, MD, holding Series 63 and Series 65 licenses and 24 years of industry experience. Prior to joining Wells Fargo in 2025, he worked at PNC Investments for 14 years. 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 based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among investment choices.