Thomas Spray Fry is a CFP® and ChFC® with 26 years of industry experience. He has been with OSAIC since 2025, following a 26-year tenure at Lincoln Financial Advisors. Outside of his advisory role, he is an at-large director of the Carroll Manor Rec Council, which promotes youth and adult sports opportunities in his community. OSAIC serves a wide range of retail and institutional clients through a large network of financial advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs a variety of asset-allocation tools and managed-account solutions to construct portfolios tailored to client needs.

Timothy Herb Jr. is a financial advisor with RBC Capital Markets, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. He has worked with RBC Capital Markets since 2009 and also has experience with City National Bank and his own company, Spurtix LLC. Outside of his advisory role, he volunteers with the Boys & Girls Club of Westminster as part of their fundraising efforts for new gymnasium construction. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning through various advisory programs. The firm integrates in-house and third-party investment managers and provides a broad range of capital markets and lending services.

Athena Mc Guire is a financial advisor with Ameriprise in Brandywine, MD, holding a Series 66 designation and 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide tailored recommendation reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Keira Levy is a financial advisor with RBC Capital Markets, holding a Series 66 designation and one year of industry experience. Prior to joining RBC in 2023, she held various positions including roles at Palm Beach Tan and Loyola University Maryland. RBC Wealth Management serves a diverse client base, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm integrates in-house and third-party investment managers with customizable advisory programs tailored to client risk profiles.

Martin Krist is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at MML Investors Services, MassMutual, The Prudential Insurance Company of America, and Pruco Securities. Outside of his advisory work, Krist operates a tax preparation and accounting business under MK Enterprises. 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, model portfolio programs, and institutional platforms, supported by a large network of over 22,800 advisors and advanced operational tools.

Deborah Williams is a CFP® professional with 30 years of experience in the financial industry. She has worked at LPL Financial since 2012 and has prior experience with Chapin, Davis, Citigroup Global Markets, Legg Mason Wood Walker, Incorporated, and Ferris, Baker Watts, LLC. 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of investment adviser representatives.

Jacob Harris is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Harford Financial Group and has a background that includes time at Loyola University Maryland and Harford County Public Schools. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Connor Effinger is a financial advisor at Morgan Stanley with six years of industry experience. He previously worked at T. Rowe Price and Elevation Corporate Health LLC. Effinger holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 employs a structured financial planning process supported by proprietary tools and analysis.

Bryan Quackenbush is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley since 2012 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a board member for a homeowner’s association in Eldersburg, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved planning tools and structured discovery processes.

Ayanna Byrd is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Her prior roles include positions at Merrill Lynch, Merrill Edge, and V-Tech Solutions. Byrd has also been involved with the University of Maryland School of Pharmacy's PATIENTS Program. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning that incorporates firm-approved tools and scenario modeling to guide outcomes.

Elizabeth Braun is a financial advisor at Ameriprise with 27 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliated entities since 2009. Based in Owings Mills, MD, she has focused her career at Ameriprise for over a decade. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds. The firm provides comprehensive, research-driven recommendations that incorporate income sources, Social Security options, and tax-smart withdrawal strategies, delivered through a centralized consulting team in partnership with financial advisors.

Bria Lee is a financial advisor at Morgan Stanley in Lutherville, MD, holding a Series 66 designation with nine years of industry experience. Prior to joining Morgan Stanley in 2017, she worked at Merrill and Uber. Outside of her advisory role, she is a partner in a real estate business based in Baltimore. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and corporate financial planning arrangements.

Richard Gottlieb is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Grove Point Investments, H. Beck, Inc., and his own firm, Richard Gottlieb. Outside of advising, he hosts the Woodhome Insurance Podcast and has entrepreneurial involvement with High Stakes Drive, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by operational tools, and oversees over $819 billion in discretionary assets through a large network of advisors.

Michael Geppi Sr. is a financial advisor with LPL Enterprise, holding a Series 66 designation. He has over 11 years of industry experience, having previously worked at The Geppi Group for 10 years before joining LPL Enterprise in 2026. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach primarily utilizes model-driven portfolios developed by internal and third-party strategists, with additional services such as financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Nelson Turner III is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 28 years of industry experience. He previously worked for Cuna Mutual Group and Cuna Brokerage Services, Inc. for 24 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions supported by both proprietary and third-party strategies.

Brian Parker II is a Series 66 licensed financial advisor with Morgan Stanley in Lutherville, MD, where he has worked since 2014, including 11 years at Morgan Stanley Private Bank, National Association. He has 12 years of industry experience. Outside of his advisory role, Parker serves on the Board of Directors and Finance Committee for Our Lady of Mt. Carmel, a private K-12 school in Baltimore. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market analysis to support client financial goals.

Ericka Kriegisch is a financial advisor with Ameriprise Financial Services in Timonium, MD, holding a Series 66 designation and 14 years of industry experience. She has been with Ameriprise since 2012. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement income planning advice, combining investment research and algorithmic tools to support tax-aware withdrawal strategies and asset allocation.

Charles Cohen is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and 16 years of industry experience. His prior work includes roles at Bank of America and Merrill. He also consults as a Certified Divorce Financial Analyst, assisting divorce attorneys with financial modeling and asset valuation. MassMutual Investors Services provides financial planning and investment advisory services to individuals, business owners, trusts, estates, and charitable organizations, offering a range of programs including asset management and employer-sponsored planning.

Nicholas Ey is a financial advisor with Cetera in Hunt Valley, MD, holding Series 65 and Series 66 licenses and 23 years of industry experience. His prior roles include positions at Truist Advisory Services, BB&T Bank, and FNB Wealth. He is also involved with Mattingly Wealth Advisors, LLC, a financial services firm where he works as a financial professional. Cetera Investment Advisers LLC is an SEC-registered firm that provides investment management and financial planning services to individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to utilize various investment strategies and serves more than 10,000 advisors and 800,000 clients nationwide.

Luis Velez is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, National Association and Morgan Stanley, where he worked for nine years, as well as Harborside Group for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary research and third-party subadvisors across various strategies.