Nicole Wilson is a Series 66 licensed financial advisor with five years of industry experience. She is currently with LPL Financial and has previously worked at Cambridge Investment Research Advisors, Janney Montgomery Scott, and Advanced Financial Consultants. Outside of her advisory role, she is involved in tax preparation and accounting services through Advanced Tax, Accounting & Software Services. 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 model portfolio programs, supported by advanced research tools and a broad platform of non-advisory financial activities.

Ryan Henry is a Series 66 licensed financial advisor with LPL Financial, based in Columbia, MD. He has one year of industry experience and previously held positions at St. Mary's College of Maryland, McDaniel College, Mount St. Mary's University, and River Hill High School. 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. The firm offers a range of financial planning and investment management services delivered through a large network of advisors and uses various platforms including model portfolios and third-party asset management.

Gerard Caswell is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a platform offering custody, underwriting, and capital markets services.

Katherine Muscatello is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding a Series 66 designation and two years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., she has worked in various roles including at Navient Solutions, Wake Forest University, and Redeemer Presbyterian Church Inc. 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 an ESG eligibility framework in its investment approach.

Scott Ensor is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 26 years of industry experience. He has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools with modeling techniques to support its financial planning process.

Stephen Schmidt is a financial advisor at Charles Schwab with 21 years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank since 2023, Charles Schwab since 2022, and previously at TD Ameritrade from 2006 to 2022. Charles Schwab serves a large client base primarily composed 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 a combination of non-discretionary and discretionary investment approaches supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Michael Brown is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Compass Group USA, Inc. and Avendra, LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

John Darlington III is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He previously worked at Wells Fargo Clearing Services, Inc. for seven years and is currently involved with SeaHawk Investments LLC, which he owns and serves as CEO. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting, supported by analytical tools and a municipal advisor affiliation that is uncommon among large institutional firms.

Olufemi Millar is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Allianz Life Financial Services, Allianz Life Insurance Company of North America, T Rowe Price, and MBSC Securities Corporation. Wells Fargo Clearing provides retirement plan consulting services 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Husnain Bashir is a financial advisor at Morgan Stanley with a Series 66 designation and no prior industry experience before joining the firm. His work history includes service in the United States Marine Corps from 2019 to 2025 and roles at E-ISG Asset Intelligence and Pizza Bolis. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Marlon Perez Hernandez is a financial advisor at Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses. He has prior experience with Citibank, Truist, and Bank of America, among other firms. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics guided by diversification principles and modern portfolio theory and operates both brokerage and advisory solutions at a large scale.

Robert Symonds is a CFP® with 18 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Lincoln Financial Advisors and Osaic FA, Inc. Outside of his advisory work, he manages personal business entities for tax and investment purposes. 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 portfolios, third-party asset management, and institutional platforms.

Michael Case is a financial advisor with LPL Financial in Baltimore, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 13 years of industry experience, including eight years at Northwestern Mutual Wealth Management Company and related entities. Outside of his advisory role, he is involved with MAC84, Inc., a business entity established for non-investment purposes. 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 through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Anne Fink is a financial advisor at Morgan Stanley with 44 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Fink serves as a trustee and co-trustee for several trusts and is a member of the investment committee for the Baltimore Hebrew Congregation, overseeing the performance of their investments. Morgan Stanley Wealth Management offers a wide range of advisory programs for both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual relationships and corporate financial planning agreements.

James Ramirez is a financial advisor with LPL Financial and holds Series 63, 65, and 66 credentials. He has 13 years of industry experience and has previously worked at firms including M&T Bank, MassMutual Life Insurance, Berkshire Hathaway Home Services, Long & Foster, and Kline Capital Management LLC. Outside of his advisory work, he has served as a soccer referee since 1999. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset managers, and supports its network of over 22,800 advisors with research and technology tools.

Mark Liguori is a financial advisor with Raymond James Financial in Towson, MD, holding a Series 66 designation and bringing 12 years of industry experience. He previously worked at Edward Jones for five years before joining Raymond James and Armory Financial in 2019. Liguori is also the CEO of Liguori Financial LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and has specialized municipal and public finance advisory capabilities.

Michelle Mullinix is a financial advisor with OSAIC holding a Series 66 designation and 10 years of industry experience. She previously worked for Lincoln Financial Advisors Corporation for nine years before joining OSAIC in 2025. Mullinix also provides client and account support as a registered assistant with Fuchs Financial, Inc. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, unified managed accounts, and access to multiple third-party money managers and wrap programs.

Sean Buoye is a financial advisor at Edward Jones in Timonium, MD, with 12 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies, including tax-efficient services and proprietary mutual funds, operating under a fiduciary standard.

Katherine Michaud is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 license with three years of industry experience. She previously worked at RBC Capital Markets and has been involved in community and academic roles, including positions at the Basilica National Shrine of the Immaculate Conception and Catholic University of America. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of advisory and brokerage capacities.

Daniel Otakie is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he partners with clients, including affluent families, professionals, and business owners, to provide goals-based wealth management and retirement planning strategies. Working alongside his business partner and a team of specialists, he delivers customized advice and a disciplined investing approach to help clients optimize their financial resources. Since entering the financial services industry in 2005 and joining Merrill in 2008, Daniel has developed expertise in areas such as college education planning, divorce transition planning, defined benefit and contribution plans, personal retirement planning, portfolio management, and retirement income. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Daniel earned a bachelor's degree in Economics from the University of Maryland. Outside of his professional work, Daniel has been involved with the American Heart Association as a Fundraising Coordinator and Team Coach from 2009 to 2020. He also enjoys hiking, music, reading, and watching movies.