Tabitha Kiebler is a financial advisor with LPL Financial in Bel Air, MD, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at M&T Bank and On the Border. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Brooke Coligan is a Series 66-licensed financial advisor at Morgan Stanley with two years of industry experience. Her prior work includes roles at Gorman & Williams and involvement with Towson University and Blue Water Baltimore. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services directly to individuals as well as through corporate agreements.

Grant Talbot is a financial advisor with Ameriprise in Sparks, MD, holding Series 65 and Series 63 credentials and two years of industry experience. His prior work history includes roles at Chipotle Mexican Grill and Equitable Advisors. Talbot serves on a nonprofit alumni board and is involved in managing an advisory business as well as overseeing a conference room rental operation listed on Peerspace. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, notable for its specialized Premier Retirement Income service that provides tailored retirement-income planning through written recommendations and ongoing advice. The firm’s approach incorporates proprietary research and third-party data to support tax-aware withdrawal strategies and asset allocation decisions within a defined investment universe.

Edwin Hogan is a financial advisor with Primerica Advisors, holding the ChFC® designation and a Series 63 license, with eight years of industry experience. His work history includes roles at PFS Investments Inc. since 2017, service in the Army National Guard since 2014, and tenure at Primerica Financial Services since 2013. Outside of advising, he works as a notary public and loan signing agent and has been an Uber driver since 2021. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which provides model-delivery strategies and a limited number of discretionary separately managed accounts for individual and high-net-worth clients. The firm uses third-party asset managers and BNY Mellon Advisors for model implementation, operating under a tiered wrap-fee structure.

Joseph Williams is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 66 licenses with three years of industry experience. Prior to joining Ameriprise, he worked at Raymond James Financial Services and Chesapeake Wealth Advisors. Outside of finance, he was involved with JTW Fitness LLC for eight years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning through written recommendations and ongoing advice.

Ryan Gutowski is a CFP®-certified financial advisor with 12 years of industry experience, currently practicing at Wells Fargo Advisors since 2020. Prior to joining Wells Fargo, he worked at UBS Financial Services Inc for five years. He is the principal owner of Gutowski Wealth Management LLC and holds minority ownership interests in several other investment-related entities. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services tailored to clients who meet net-worth thresholds. The firm’s approach includes using proprietary research and planning tools to develop customized recommendations across diverse planning areas.

Jennifer Wade is a financial advisor with Morgan Stanley, holding a Series 66 designation and 17 years of industry experience. She worked at Merrill Lynch from 1998 to 2021 before joining Morgan Stanley Smith Barney in 2021. Outside of finance, she is the sole proprietor of Baltimore Pressure Washers, a pressure washing business based in Sykesville, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including 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 such as Monte Carlo simulations to model financial outcomes.

Edward Witherspoon is a CFP® professional with 30 years of industry experience, currently affiliated with Cetera. He has held roles at Holistic Private Wealth since 2014 and at Cetera Financial Specialists LLC and Cetera since 2012. He serves as a board member for the Al Cesky Scholarship Fund and Harford Community College. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform and a variety of program options.

Peter Della Croce is a financial advisor at Morgan Stanley with over 26 years of industry experience. He holds a Series 66 designation and has held roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Outside of his advisory work, he serves as a committee member of The Myositis Association and chairs the leadership development committee at The Arc of Howard County. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, 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 both directly and through corporate financial planning agreements.

Avigail Rosemore is a financial advisor at RBC Capital Markets with 28 years of industry experience. She holds a Series 66 credential and previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and CitiGroup Global Markets. Rosemore serves on the board of directors for Shoresh Inc., a Baltimore-based organization. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, and brokerage services. The firm customizes investment strategies using a combination of in-house and third-party managers, with options for tax management, rebalancing, and responsible investing.

Marcus Harris is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. He brings over 20 years of experience in financial advising, having previously worked as a Financial Consultant at Fidelity from 2010 to 2015 and as a Financial Advisor at Morgan Stanley Smith Barney from 2004 to 2009. His professional focus includes investment council and retirement planning for affluent and high net worth investors. Marcus specializes in retirement planning, tax efficient investing, estate planning considerations, gifting strategies, Social Security, and asset preservation. He emphasizes clear communication with clients, aiming to provide collaborative guidance that is prudent and predictable. Outside of his professional work, Marcus has personal interests in biking, museums, reading, skiing, and traveling.

Robert Friedman is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Friedman serves on the Maryland Board of Football Officials and works as a Game Day Assistant for the National Football League. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutions, employing structured financial planning tools and investment models to deliver tailored advice. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual plans and Corporate Financial Planning agreements.

David Kalvar is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients by providing 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 that incorporates firm-approved tools and market outlook models.

John Huynh is a financial advisor at Robert W. Baird & Co. with 28 years of industry experience. He holds a Series 66 designation and has been with Robert W. Baird & Co. since 2013. Outside of his advisory role, Huynh serves as a ski patrol member at Liberty Mountain Resort and is an investment committee member for the National Ski Patrol. He 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 both in-house and third-party managers across a range of investment strategies.

Carlos Fernandez is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Nicholas Cuchna is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. Prior to joining Ameriprise, he held roles at the Centers for Medicare and Medicaid Services and has teaching experience at Roanoke College. Outside of finance, he has worked in the brewing industry at Inverness Brewing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides detailed retirement planning recommendations and ongoing advice focused on income reliability and tax-aware withdrawal strategies.

Courtney Rodgers is a financial advisor at Merrill with 17 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2011, following a prior role at Bank of America. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors. The firm operates within Bank of America’s broader platform, providing access to a wide array of products and services.

Daniel Leon is the Resident Director and Wealth Management Advisor for The Badger-Leon Group at Merrill. He joined Bank of America in 2004 and has held various positions within Bank of America and Merrill. Since September 2014, he has served as a Wealth Management Advisor, specializing in developing and implementing goals-based customized strategies for individuals, associations, and corporations to manage their wealth. Daniel holds several professional designations, including CERTIFIED FINANCIAL PLANNER™ (CFP®), Certified Plan Fiduciary Advisor® (CPFA), and Certified 401(k) Professional (C(k)P®). He earned both his bachelor's degree in International Business Administration and an MBA from the University of Baltimore. Raised in Caracas, Venezuela, Daniel is fluent in Spanish. In addition to his professional work, Daniel is actively involved in his community through volunteer coaching in youth baseball organizations. He resides in Bel Air, Maryland with his wife Cindy and their three children.

Kemol Guy is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2021, with prior experience at Bank of America N.A. and Exelon. Merrill offers managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, and institutional fiduciaries. The firm provides a range of model-based and discretionary investment strategies integrated with Bank of America’s broader corporate platform.