Frank Duncan is a financial advisor with LPL Financial in Timonium, MD, holding the ChFC® designation along with Series 63 and 65 licenses. He has 28 years of industry experience and has been associated with LPL Financial since 2009. Since 2020, he has also operated Maryland Financial Group, Inc., an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Keith Ellis is a financial advisor at Morgan Stanley in Baltimore, MD, with 16 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at RE Advisers Corporation and RE Investment Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Matthew Decapite is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he works as a pickleball coach and instructor. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services through various programs, including partnerships with employers for corporate financial planning.

Reginald Lloyd is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and has 43 years of industry experience. He has been with Primerica Advisors since 1982 and Primerica Financial Services since 1991. Outside of advisory work, he is involved in the sale of loan products, home security and automation product referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with model-delivery strategies managed by unaffiliated asset managers and offers several discretionary separately managed account options.

Ryan Kenny is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2013, progressing through various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2021. As a CERTIFIED FINANCIAL PLANNER™, Ryan works closely with his clients to develop personalized and comprehensive financial plans, focusing on the needs of affluent clients. He brings over a decade of experience in financial consulting and utilizes Fidelity's resources to support his clients' unique financial goals. Ryan emphasizes building strong relationships by getting to know his clients and their families personally, aiming to serve as a trusted advisor across generations. Outside of his professional work, Ryan enjoys activities such as spending time at the beach, family activities, fitness, golf, outdoor adventures, and traveling.

Blair Hill serves as the Resident Director and Wealth Management Advisor at Merrill. He joined Merrill in 2000 and advises affluent families and individuals, including professionals, business executives, and entrepreneurs, on a wide range of wealth management needs. His expertise includes retirement income planning, gifting and estate planning services, concentrated stock strategies, private business succession and transition planning, and personal investment strategy. As a qualified Portfolio Manager, Blair manages personalized and defined strategies which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm's Investment Advisory Program. Blair holds a Bachelor's Degree from the University of Maryland at College Park. He has earned professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside his professional work, Blair is actively involved in his community, participating in organizations such as the Clarksville Rotary Club, Howard County Fair Association, Maryland 4-H Foundation, and the Ulman Cancer Fund for Young Adults. He is married to his wife Megan for over 25 years, with whom he has two children. The family lives on a working farm where they raise beef cattle alongside crops including wheat, soybeans, corn, and hay. When not assisting clients, Blair spends time outdoors on the farm, watching his children play lacrosse, and pursuing personal interests such as adventure sports, biking, camping, gardening, hiking, running, skiing, and surfing.

Cheryl Palumbo is a Series 66-licensed financial advisor with Robert W. Baird & Co. in Towson, MD, where she has worked since 2009. She has 24 years of industry experience. Outside of her advisory role, she serves as a board member for Saints Peter and Paul Church Finance Council and is involved as a director and board member in a physician’s office partnership. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet diverse client goals and risk tolerances.

Craig Lestner is a CFP® professional with 27 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2007. He also serves as an independent insurance agent and notary public through The Legacy Group, where he has been active since 2005. Additionally, he is a committee member of the Associated Jewish Community Federation of Baltimore. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing various portfolio management platforms and including both proprietary and third-party strategies.

Neela White is a financial advisor at Ameriprise in Ellicott City, MD, holding a Series 66 designation with 15 years of industry experience. She previously worked at Merrill from 2007 to 2021 before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with specific asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

Rodas Mekonnen is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he held positions at the University of Maryland and Designer Brands Inc./Designer Shoe Warehouse. Outside of finance, he co-owned a retail business, Tutu Hat Shop, from 2021 to 2023. 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. The firm offers model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Emily Crawford is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Wells Fargo Advisors LLC and Wells Fargo Bank NA, where she has been employed since 2004. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings including insurance-related vehicles and bank deposit sweep options.

Brian Griffin is a Financial Consultant currently working at Fidelity, where he has held various consultant roles since 2021. His career progression at Fidelity includes positions as a Workplace Planning Consultant, Planning Consultant, Financial Consultant 1, and currently as a Financial Consultant since 2024. Brian's professional approach centers on developing financial strategies tailored to his clients' individual needs. He emphasizes meeting clients where they are, respecting their decisions and boundaries, and collaborating to design custom financial plans. His goal is to build relationships that extend beyond professional interactions, fostering a personalized and comfortable environment. Outside of his professional work, Brian enjoys activities such as biking, fitness, hiking, kayaking, music, and parenthood.

Alexander Thomas is a financial advisor with Equitable Advisors in Annapolis, MD, holding Series 63 and Series 65 licenses and possessing 11 years of industry experience. He has worked at Equitable Advisors since 2015 and was previously with Axa Advisors LLC from 2015 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to execute client recommendations.

David White is a financial advisor with Equitable Advisors and holds Series 63 and Series 65 licenses. He has 10 years of industry experience, including six years at New York Life Insurance Company and NYlife Securities LLC before joining Equitable Advisors in 2021. Outside of his advisory role, he also sells property and casualty insurance on a part-time basis. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to meet client needs.

Jesus Rodriguez is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior roles include positions at First Command Insurance Services and the National Security Agency. Outside of finance, he owns and operates Innovative Sprocket LLC, a business selling vehicle accessory products. 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 a range of clients including individuals, high-net-worth investors, pension plans, corporations, and charities.

Karl Porter is a Senior Vice President, Wealth Management Advisor, and Senior Portfolio Advisor with The Pearce Group at Merrill Lynch Wealth Management. He has been with Merrill since 1998 and previously worked with Morgan Stanley and Dean Witter. Karl holds the Certified Investment Management Analyst® designation earned in conjunction with the Wharton School, University of Pennsylvania, and the Investments & Wealth Institute™. He is also a Retirement Benefits Consultant and a member of a specialized group of Merrill Financial Advisors registered with the Firm's Defined Contribution Investment Consulting (DCIC) platform. Karl is a member of the National Association of Plan Advisors (NAPA) and holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible investing, values-based and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Prior to his career in financial services, Karl gained extensive experience in the real estate industry. He attended Boston University and received his bachelor's degree from the College of the Atlantic. Additionally, he has worked as a researcher for The Smithsonian Institution. In 2023, Karl was recognized as a member of The Pearce Group on the FORBES "Top 100 Private Wealth Teams in America" list. Outside of his professional work, Karl enjoys boating, fishing, football, reading, scuba diving, spending time with his family, and traveling.

Khloe Adams is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at T. Rowe Price for three years and has professional experience at Under Armour and Stevenson University. Outside of finance, she was involved with Tiki Lee's Dock Bar for three years. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research, including Monte Carlo simulations and secular return estimates.

Aaron Kelly is a CFP® professional with 10 years of industry experience, currently with LPL Financial since 2024. He previously worked at Lincoln Financial Advisors Corporation for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research resources.

Timothy Cerny is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked extensively at Guardian Life Insurance and Park Avenue Securities before joining LPL Financial. Outside of his advisory role, he is involved in selling life and disability insurance with several financial partner groups. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Shane Smith is a financial advisor with LPL Enterprise holding a Series 66 designation and has been in the industry since 2026. Prior to joining LPL Enterprise, he worked at Bethesda Wealth Planning Group and Georgetown Financial Group. Outside of finance, he has experience in construction and education, having worked at Cherry Hill Construction Company and Madison Public Schools. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, providing financial planning, advisory services, and access to brokerage and insurance products through an integrated platform.