Thomas Bowman is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior roles include a decade at Avantax Advisory Services and 35 years as president of Bowman & Company, CPA, PC. He serves on the board of directors and as treasurer for Small Business Awards Week, Inc. Ameriprise offers retirement-income planning services aimed at individuals with substantial investable assets, delivering written recommendations on income sources, Social Security, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to tailor plans, primarily for clients holding assets in Ameriprise-managed accounts.

Tyler Grabner is a financial advisor at LPL Financial with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Grove Point Advisors, T. Rowe Price, and Grabner Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, corporations, and other institutions through a large national network. The firm provides a range of advisory programs and financial planning services supported by research and technology.

Ian Frank is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022, following seven years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

David Schmelz is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. He has been with RBC Capital Markets since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies that incorporate both in-house and third-party investment managers.

Cathy Whitestone is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has been with various Morgan Stanley entities since 2007, including Morgan Stanley & Co., Morgan Stanley Smith Barney, and the Morgan Stanley Services Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Schimri Yoyo is a Financial Consultant currently working at Fidelity Investments since 2020. In this role, Schimri partners with clients to help them identify opportunities and progress toward their financial goals, focusing on simplifying investing through education and empowerment. Prior to joining Fidelity Investments, Schimri held positions as a Financial Planner at Bridgemark Wealth Management from 2019 to 2020, a Financial Advisor at Delaware Valley Advisors from 2018 to 2019, and a Registered Representative at Foresters Financial from 2016 to 2018. Schimri holds a California Insurance License. Outside of professional responsibilities, Schimri has interests in football, movies, music, reading, and writing.

Sean Mc Elroy is a financial advisor at UBS Financial Services with 8 years of industry experience. He holds a Series 66 designation and has been with UBS since 2017. Prior to UBS, he worked at Betamore and had a brief period of unemployment. Mc Elroy is involved with the Baltimore Chamber Orchestra. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a wide range of capital markets and investment products.

Andrew Heyman is a financial advisor at Morgan Stanley with 15 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2022 and previously spent eight years at Merrill. He holds Series 65 and Series 63 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its network of Financial Advisors and the Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes a structured financial planning process supported by firm-approved tools and modeling techniques.

Stephanie Kormanis is a financial advisor with Merrill in Towson, MD, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she serves as General Partner and Managing Member of Kormanis Properties LLC, a business related to a condominium in Ocean City, Maryland. 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 individuals, high-net-worth clients, and various institutional investors.

Dawn Biedenkapp is a financial advisor at Morgan Stanley in Baltimore, MD, with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including nine years with Morgan Stanley Services Group Inc. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a variety of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools.

Jeremy Schwendeman is a CFP®-certified financial advisor with 17 years of industry experience, currently affiliated with Morgan Stanley in Baltimore, MD. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and models.

Brian Martin is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with MML Investors Services, Inc. since 1995 and Massachusetts Mutual Life Insurance Company since 1994. In addition to his advisory role, he acts as an insurance broker for various carriers providing life, health, fixed annuities, disability income, and long-term care insurance. MassMutual Investors Services, LLC 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 programs, employing analytical tools to deliver personalized recommendations within collaborative, annual planning engagements.

Angelena Hayes is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors, LLC, and Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes unique offerings like insurance-related vehicles and bank deposit sweep options.

Scott Cannon is a financial advisor at Raymond James Financial with 11 years of industry experience. He holds a Series 66 designation and is based in Ellicott City, MD. In addition to his advisory work, he owns Chesapeake Tax Services, LLC, which provides tax preparation services. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning using analytical tools and supports a broad network of advisors with specialized services, including municipal and public finance advisory.

Eric Graffe Ostos is a Financial Consultant currently working at Fidelity Investments. He has held various roles within Fidelity, including Investment Consultant in 2024 and High Net Worth Service Associate from 2022 to 2024. Prior to joining Fidelity, Eric was a Financial Adviser at Edward Jones Investments from 2019 to 2021. His professional experience spans multiple facets of financial consulting, focusing on creating tailored financial plans that align with clients' unique goals and aspirations. Eric aims to simplify financial concepts and empower clients to feel optimistic about their financial futures. Outside of his professional work, Eric has interests in art, soccer, and traveling.

Ryan Turner is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has worked at Prudential Insurance Company of America since 2010 and at Pruco Securities, LLC from 2010 to 2024. He currently operates out of Hunt Valley, MD. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to various investment programs through both advisory and brokerage channels.

Nicholas Meinert is a CFP® with two years of industry experience, currently affiliated with Wells Fargo Clearing. His prior work includes roles at the US Naval Academy Alumni Association, Phillips Edison and Company, Lordstown Motors, and Siemens DISW. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical large institutional advisers.

John Mele is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 22 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial and estate planning supported by structured planning tools and broad investment capabilities.

Frank Carbone is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2017 and has been with Bank of America, N.A. since 2018. Prior to that, he spent one year at Howard Bank. 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, and institutional entities.

Jonathan Shimaitis is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management serves individual and institutional clients offering a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.