Lori Ralston is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 66, Series 63, and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and proprietary planning tools.

Garrett Kunkel is a CFP® and Series 66–registered advisor with RBC Capital Markets in Hunt Valley, MD, bringing eight years of industry experience. He has worked at RBC Capital Markets since 2017, following prior roles at Kissinger Financial Services and Kissinger Financial Services (Hightower). RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Glenn Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. Prior to joining LPL Financial in 2018, he worked at INVEST Financial Corp. for nine years and has been associated with Livingston Financial Group since 2002. He is also the owner of GL&ML, LLC, a business unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients 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, and uses model portfolios and third-party research to support diversified investment strategies.

Nicole Harper is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In this role, she focuses on understanding the financial perspectives of her clients and helping them define their financial goals and avoid potential pitfalls. She utilizes timely insights and the resources available at Fidelity to create a collaborative approach to financial planning. Nicole has over a decade of experience in the financial services industry. Prior to her current role, she was an Investment Consultant at Fidelity Investments from 2021 to 2022. She also worked as a Premier Banker at Truist from 2017 to 2021. Her earlier experience includes positions at PNC, where she served as a Financial Specialist II from 2015 to 2017, a Financial Sales Consultant from 2012 to 2015, a Customer Service Associate from 2011 to 2012, and a Peak-Time Teller from 2010 to 2011.

Andrew Conn is a CFP® with six years of industry experience currently working at RBC Capital Markets, where he has been since 2019. Prior to that, he was employed at Steward Partners and spent two years at Towson University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Jesse Folus is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. He has worked at Merrill since 2019 and is also currently associated with Bank of America, N.A. Outside of his advisory roles, no additional business activities are noted. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and incorporates Merrill’s Chief Investment Office model-based and discretionary strategies.

Mason Champion is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Outside of his advisory role, Champion is an author of several books and serves on the Board of the College of Health & Human Development at Penn State University, where he is also involved in teaching and advisory activities. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Lucas Graham is a Series 66 licensed financial advisor at LPL Enterprise with one year of industry experience. Prior to joining LPL Enterprise, he worked at IDEMIA National Security Solutions and held positions at West Virginia University. He has also been involved with Bible Center Church. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, combining adviser programs with financial products such as insurance and lending, supported by a platform that includes proprietary research and third-party portfolio management.

Michael Frank Jr. is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Seventy2 Capital Wealth Management, and positions outside finance such as at 7 West Bistro and Pussers Caribbean Grille. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Edwin Abrams is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016, following an 11-year tenure at MetLife Resources. He is also involved as an agent in life and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements and a variety of investment and event-driven planning services.

Dionnie Edwards is a financial advisor at Fidelity with nine years of industry experience. Her prior roles include positions at New York Life Insurance Company, Prudential Insurance Company of America, Equinox, and T. Rowe Price. She is the sole proprietor of Dionnie Speaks LLC, a writing and speaking business focused on blog content and retail services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Enkhtuul Terguunbaatar is a financial advisor with Merrill holding a Series 66 designation and one year of industry experience. Prior to joining Merrill in 2024, Enkhtuul held roles at VideoAmp, Reach Partners, and The Johns Hopkins Carey Business School. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and charitable organizations.

Gregory Blair is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, with prior experience at Bank of America, N.A., and Merrill. 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 and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Sabine Laure Mve Wandey is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, bringing eight years of industry experience. She has been with Merrill since 2018 and previously worked at Honda of Annapolis. Merrill provides managed account services to Bank of America fiduciary clients, offering a range of model-based and discretionary investment strategies through the Select Portfolio Solutions program. The firm serves individuals, high-net-worth clients, and various institutional accounts, leveraging its integration with Bank of America's broader platform to access a wide array of products and services.

Howard Gun is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Ameriprise and its affiliate since 1992. In addition to his advisory role, he engages in fiduciary activities, serving as an executor and attorney-in-fact. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Peter Bacon is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He also serves as a trustee in Towson, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Brian Culloty is a financial advisor with LPL Financial, holding a Series 63 designation and 42 years of industry experience. He worked at INVEST Financial Corporation for 32 years before joining LPL Financial in 2018. LPL Financial serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, with both discretionary and non-discretionary management supported by in-house and third-party research.

Jason Rowett is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Merrill since 2017. Prior to that, he was employed at Bank of New York Mellon from 2015 to 2017. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional investors. The firm integrates model-based and discretionary investment strategies and operates as part of Bank of America’s broader corporate platform.

Justin Gue is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and has prior experience with Prudential and in real estate through his involvement with Jgue Platinum Realty LLC. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, leveraging model portfolios, third-party asset management, and an integrated platform that combines adviser programs with financial products such as insurance.

Sergio Galindo is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized wealth management strategies tailored to each client's unique financial situation and goals. Sergio collaborates with clients one-on-one to create flexible financial plans that adapt to changing market conditions while leveraging investment insights from Merrill and banking and lending solutions from Bank of America. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sergio earned his High School Diploma/GED from the University of Maryland. Committed to community involvement, he participates in local volunteer organizations, reflecting the Merrill tradition of service to the communities it serves.