David Mott is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2013, having spent the past 11 years at Morgan Stanley Private Bank. Outside of his advisory work, he is involved in real estate ownership in Baltimore. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market outlooks.

Robert Demuth is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and possessing 36 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and has been with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets beginning in 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides 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 employs a structured financial planning process using firm-approved tools and market estimates, while generally acting in an advisory capacity for client plans.

Thomas Palm Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include eight years at Cetera Advisors LLC and 47 years operating his own firm, Thomas J Palm. He is also involved in tax preparation and accounting through Thomas J Palm, PA in Baltimore. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by proprietary and third-party research, as well as various portfolio management and technological solutions.

Richard Mutua is a Financial Advisor at Merrill Lynch Wealth Management who collaborates with professionals, families, and business owners to navigate complex financial decisions. He focuses on creating strategic, actionable plans suited to each client's unique goals, including retirement, homeownership, and education funding. His approach emphasizes understanding clients' key priorities, such as health, family, and financial objectives, to ensure tailored guidance. His areas of expertise include corporate executive services, equity compensation, legacy planning, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. Richard's philosophy centers on helping clients uncover what matters most to them and their families to develop strategies for their financial goals. He aims to provide clarity, disciplined execution, and long-term trust throughout the advisory process. Richard holds a Bachelor's Degree from the University of Nairobi and is a Personal Investment Advisor (PIA). Outside of his professional role, he enjoys activities such as baseball, basketball, biking, boating, football, golfing, music, soccer, spending time with his family, and traveling.

Michael Peters is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and over 30 years of industry experience. His prior roles include senior positions at Avantax Advisory Services, 1st Global Advisors, and managing his own accounting firm, Michael G. Peters, PA, since 1988. His background includes both investment advisory and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and nonprofits. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Alexander Mairone is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2012 and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alison Sagi is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Merrill from 2018 to 2025 and spent six years at Johns Hopkins University prior to entering the financial sector. Sagi holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs structured financial planning tools, managing approximately $2.74 trillion in client assets.

Benjamin Hoffman is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise since 2009, including six years at Ameriprise Financial Services, LLC. Outside of his advisory role, Hoffman holds a 10% ownership in a sports memorabilia business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

David Hicks is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at firms including Triad Advisors and OSAIC before joining Cetera in 2025. Outside of his advisory role, Hicks is a partner in a joint venture managing apartment rentals and serves as president of his own business entity. Cetera Investment Advisers LLC operates as a large multi-manager platform serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services and supports advisors with multiple program and custodial options.

Michael Stein is a financial advisor at Merrill with 25 years of industry experience. He holds Series 65, 63, and 66 licenses and has previously worked at T. Rowe Price and PNC Bank. Outside of his advisory role, he serves as trustee for The Harry Curland Irrevocable Trust. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Darin Roser is a Series 66-licensed financial advisor with Robert W. Baird & Co. Inc. in Towson, MD, where he has worked since 2009. He has 22 years of industry experience. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a broad range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by internal research and tools.

Patrick Durbin is a CFP® professional affiliated with Edelman Financial Engines in Ellicott City, MD, with 10 years of industry experience. He has previously worked at Financial Engines Advisors L.L.C., Fidelity Brokerage Services LLC, and Edelman Financial Services, LLC. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm utilizes a committee-driven modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary management solutions.

Luke Schmitz is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he assists clients and their families in building financial plans tailored to their unique situations. Prior to this, he worked as a Financial Representative at Fidelity Investments in 2024. Luke focuses on developing strategies that align with his clients' goals, emphasizing a process built around trust and meaningful relationships. His approach is informed by his interest in finance, planning, and client engagement. Outside of his professional responsibilities, Luke has personal interests that include cars, fitness, golf, pets, and traveling.

Judith Specht is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Wells Fargo Advisors since 2015. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and financial planning services that address a broad range of needs, including retirement, education, risk management, and specialized areas such as business-owner and special-needs planning. The firm employs Wells Fargo research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Garrett Atkins is a financial advisor at Equitable Advisors with three years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2023. Prior to his financial advisory career, he spent several years at the University of Alabama. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through various program sponsors and emphasizes a combination of discretionary and non-discretionary management solutions.

Heather Sommerfield is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise since 2009, including six years with Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Ameriprise Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

William Cleary is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley and its private bank since 2018, following five years at Axa Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients, offering a variety of advisory programs and financial planning services that utilize structured discovery processes and firm-approved planning tools.

Mary Bosley is a financial advisor at Robert W. Baird & Co. with eight years of industry experience. She has been with Robert W. Baird since 2017 and previously worked at Canusa Corporation for 15 years. Outside of her advisory role, she serves as treasurer for the Campus Cabana Swim Club in Towson, MD. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which provides tailored consulting and portfolio services to individuals, families, pensions, corporations, and institutional clients through a combination of in-house and third-party managers.

Christina Pascoe is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Her work history includes roles at Cetera, First National Bank of Pennsylvania, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wachovia Bank, N.A. She is based in Baltimore, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a national network of over 10,000 advisors, managing more than $256 billion in assets.

Sherry Outen is a financial advisor at UBS Financial Services with 20 years of industry experience. She holds the Series 66 designation and has been with UBS since 2005. Outside of her advisory work, she is involved with the Arundel Soccer Association, a nonprofit organization. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings.