Michaela Gutmann is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Wells Fargo and Bank of America, including roles at Merrill. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s 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 its investment offerings.

Ashley Owens is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding a Series 66 designation and three years of industry experience. Prior to joining J.P. Morgan Securities, Owens worked at Merrill and has held various roles including sales associate for Under Armour. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mary Dispaldo is a financial advisor at Morgan Stanley with three years of industry experience. She holds a Series 66 designation and previously worked at Bank of America, Merrill, and in various roles outside finance including education and retail. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Leilani Moten is a Financial Advisor affiliated with Merrill Lynch Wealth Management, operating as a Merrill Financial Solutions Advisor. In her role, she focuses on understanding clients' individual goals and priorities to develop personalized investment strategies aimed at pursuing their financial objectives. Her services include investment advice as well as access to banking and lending solutions through Bank of America. Her expertise covers a range of financial planning areas such as general investing, retirement planning, and preparing for unexpected expenses. She emphasizes building relationships with clients to provide tailored guidance and support as their financial needs evolve. Leilani holds a Bachelor's Degree from Morgan State University and the Personal Investment Advisor (PIA) designation.

Brad Schwartz is a financial advisor with Ameriprise in Baltimore, MD, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliates since 2005. Outside of his advisory role, he owns B Squared Capital, an LLC unrelated to Ameriprise investments. Ameriprise offers a retirement-income planning service focused on clients nearing or in retirement who meet specified asset criteria. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations through a centralized consulting team.

James Hodges is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 63 designation and bringing 50 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a variety of strategies and managers to meet client goals and risk tolerances.

Cory Labre serves as a Financial Advisor within Merrill Lynch Wealth Management. He applies strategic financial planning to help clients secure and grow their wealth, focusing on creating personalized Wealth Management strategies tailored to individual life goals and circumstances. His approach integrates comprehensive considerations such as tax minimization, investment portfolio construction, insurance benefits, estate planning, gifting, and charitable giving. With experience in areas including education planning, employee benefits, executive compensation, family wealth management, legacy planning, retirement planning, philanthropic planning, portfolio management, sports and entertainment clients, and retirement income, Cory combines his expertise with his background as a lifelong hockey player and coach. This team-oriented perspective informs his commitment to prioritizing clients' interests and addressing a full range of financial challenges and opportunities. Cory holds a Bachelor's Degree from Towson University and the Personal Investment Advisor (PIA) designation. He is also involved in his community as a youth ice hockey coach. Outside of work, he enjoys activities such as basketball, biking, camping, fishing, hiking, ice hockey, ice skating, music, spending time with family, and watching movies.

Madison Gary is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and seven years of industry experience. Prior to joining Merrill, Madison worked at Bank of America, N.A. for six years. Outside of finance, Madison has experience with the Columbia Association Aquatics and Continental Pools LLC. 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. The firm offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Chadwick Chilcot is a financial advisor at Merrill with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill, LPL Financial, M&T Bank, and Stifel. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Harry Ford III is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Prior to joining Morgan Stanley, he was with Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Gary Marino is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 65 credentials and 44 years of industry experience. He has been with RBC Capital Markets since 2009 and also works with City National Bank. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering a range of advisory programs with tailored portfolio management and financial planning services. The firm utilizes a mix of in-house and third-party investment managers and provides clients with options such as tax management and responsible-investing screens.

Karl Campbell is a financial advisor with Ameriprise in Columbia, 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 advisory work, he is the owner of CampusNIL Corporation, a student savings platform that provides financial benefits and discounts to college students across the U.S. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service focused on retirement income planning, including tax-aware withdrawal strategies and Social Security options, delivered through a collaborative, non-discretionary process.

Tara Orendorff is a financial advisor with Raymond James & Associates in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing from 2010 to 2016 and has been with Raymond James since 2016. Additionally, she serves as co-trustee of her parents' trust. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering tailored financial planning and consulting services supported by a wide range of portfolio management styles and affiliated research.

Vincent Williams is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including PNC Bank, Merrill, and Ameriprise. He is based in Baltimore, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Jeffrey Cohen is a CFP® professional with 19 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors, LLC for one year. Outside of his advisory role, he serves as the personal representative for his father's estate in Plantation, Florida. Wells Fargo Advisors is a national securities firm providing 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 supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Sumaiya Andaleeb is a Series 66 credentialed financial advisor with Morgan Stanley in Baltimore, MD, where she has worked since 2012, accumulating 14 years of industry experience. She is part of a large institutional firm known for offering a wide range of advisory programs. Morgan Stanley Wealth Management serves both individual and institutional clients with tailored financial planning and a variety of investment services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and methodologies to support client goals.

Maura Stump is a financial advisor at Robert Baird & Co. with a Series 66 designation and one year of industry experience. Prior to joining Baird, she held various roles across education, retail, and hospitality sectors. The DDK Group, part of Baird’s Private Wealth Management department, serves a diverse client base including individuals, corporate and business clients, pensions, and charitable organizations. The firm offers a range of services such as financial planning, portfolio management, separately managed accounts, and integrates internal research and technology in its advisory process.

Jeffrey Link is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding a Series 66 credential and bringing 24 years of industry experience. He has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he has ownership interests in several private companies, including Armada Capital, LLC, and Shufly, LLC, which he co-owns with his spouse. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including niche areas such as business-owner transition planning and special-needs analysis, supported by Wells Fargo’s research and planning tools.

Colin Mead is a financial advisor at Morgan Stanley with 19 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Clifford Rowland II is a CFP® designated financial advisor with 39 years of industry experience, currently affiliated with Cetera. He has held roles at Avantax Advisory Services and Avantax Investment Services, Inc. for over three decades and operates his own CPA and bookkeeping practice. He is also an independent insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment program options and manages over $256 billion in assets.