Silvia Tergas is a financial advisor at LPL Enterprise with 15 years of industry experience. She holds the Series 66 designation and has worked previously at Prudential Insurance Company of America, Pruco Securities, LLC, and Securian Financial Services, Inc. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse clientele including individual and high-net-worth investors, retirement plans, banks, corporations, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers additional services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Robert Stankowski is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 30 years of industry experience. His prior roles include positions at Grove Point Advisors, LLC, Grove Point Investments, LLC, and MSI Financial Services, Inc. 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 institutions. The firm offers a range of financial planning and investment management programs supported by research, technology, and a broad platform of affiliated financial services.

Aaron Schmerling is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Schmerling is also involved with Steerpath Wealth, a business activity related to his work at LPL. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Regis Breen is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Heritage Consultants. Outside of his advisory role, Breen serves as Vice President of Business Development at Brad Schwartz Wealth Management LLC and occasionally speaks to graduating students at Towson University about entering the workforce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines proprietary research and algorithmic tools to deliver tailored, tax-aware retirement advice within a defined investment framework.

Jeffrey Wasserman is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2007. 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 financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling techniques.

Winnie Gebreyesus is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 license and 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is the sole proprietor of an online retail business in Baltimore, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, serving clients through both direct and corporate agreements.

David Vogelsang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Starry Associates, PFS Investments Inc., and Primerica Financial Services. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Benjamin Hoffman is a financial advisor at Ameriprise with 25 years of industry experience. He has been with Ameriprise and its affiliates since 2006. Outside of his advisory work, he is a part-owner of a sports memorabilia business and is involved in managing business operations through his own LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

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.

Darius Lynch is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and one year of industry experience. He previously worked at T. Rowe Price and Morgan Stanley. Outside of finance, he works as a bartender at Outback Steakhouse. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Kelbaugh is a CFP® with 27 years of industry experience, currently advising at Wells Fargo Clearing since 2016. His prior roles include positions at Wells Fargo Advisors LLC, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and utilizes research and analytics from Wells Fargo Investment Institute and third-party sources to support its investment approach.

Sarah Rosenthal is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. She specializes in serving Gen X and Millennial families, women, business owners, and families with special needs loved ones. Her approach to financial planning emphasizes clarity, confidence, and personalized strategies tailored to the unique goals and values of each client. Sarah holds professional designations including Certified Financial Planner (CFP), Chartered Special Needs Consultant (ChSNC), and Personal Investment Advisor (PIA). She earned her bachelor's degree from Towson University and also attended Goucher College. Drawing on her experience as a former small business owner, Sarah provides practical and compassionate guidance in areas such as family wealth management, special needs planning, LGBT wealth planning, and socially responsible investing. In addition to her professional work, Sarah is involved in community organizations including the Baltimore Estate Planning Council, Girl Scouts of Central Maryland, Itineris Baltimore, Cavalier Rescue USA, and the Red Cross of Central Maryland. Her personal interests include hiking, knitting and crocheting, reading, spending time with family, and watching movies.

Shari Winkelman is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with UBS since 2014. 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. The firm uses proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Jason Koval is a CFP® and Series 65 registered financial advisor with LPL Financial, based in Westminster, MD. He has one year of industry experience and has worked at several firms including Elite Income Advisors, Red Oak Financial Group, Ameriprise Financial Services, and Baltimore-Washington Financial Advisors. 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 financial planning, model portfolio programs, third-party asset management, and retirement advice, utilizing a wide range of investment strategies supported by technology and research tools.

Andrew Heird is a Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2019 and has been working in the financial services industry since 2017. In his role, Andrew focuses on wealth planning and client development, assisting clients with liquidity management, managing new wealth, and personal retirement planning. Andrew earned a bachelor's degree in Business, Organizations, and Society from Franklin and Marshall College in 2016. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ certification awarded by the College For Financial Planning. He also holds the Personal Investment Advisor (PIA) designation. Andrew lives in York, Pennsylvania, with his wife Bria, son Theodore, and their dog Russell. Outside of his professional responsibilities, he enjoys activities such as boating, fishing, football, golfing, hiking, hunting, scuba diving, and skiing.

Christopher Yingling is a financial advisor at RBC Capital Markets with 33 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. His work history includes roles at City National Bank since 2019 and RBC Capital Markets Corporation since 2009. Outside of his advisory work, Yingling serves on the Planned Giving Committee for Carroll Community College. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers tailored investment strategies through various advisory programs and integrates in-house and third-party managers to meet client-specific risk profiles.

James Rong is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to Merrill, he held positions at William Blair, Maximus, Walmart, and Giant Food. He has also been involved in education at both high school and university levels. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Tyler Marner is a financial advisor at Merrill with Series 63 and Series 66 licenses. He has been with Merrill since 2026 and has prior experience at Bank of America, JPMorgan Chase Bank, T. Rowe Price, and other organizations. Outside of finance, he has been involved with Anarchy Gym since 2020. 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 clients, and institutions.

Jennifer Astasauskas Glatz is a financial advisor at Morgan Stanley with five years of industry experience. She holds Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney LLC since 2024. Prior to this, she spent over two decades at Merrill and Bank of America Investment Services, Inc. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through various advisory and planning arrangements.