Marco Sacca is a financial advisor at Robert W. Baird & Co. with 24 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 66 designations. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and institutional clients. The group provides tailored consulting and portfolio services, including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Ronald Campbell is a Series 65 licensed financial advisor with Morgan Stanley in Baltimore, MD, bringing 23 years of industry experience. His career includes roles at Morgan Stanley Services Group Inc., Morgan Stanley Smith Barney, Citigroup Global Markets, and PSA Financial Advisors Inc. Outside of finance, he is a self-employed songwriter and musician who occasionally performs his own compositions. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning supported by firm-approved tools and investment modeling techniques.

Christopher Gobrial is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill and Bank of America, he worked in various roles including mortgage services and the automotive industry. Outside of his advisory role, he assists with clerical and IT tasks at a medical practice operated by his mother. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, with portfolio implementation tailored to different risk and tax considerations.

Richard G. Mohelski is a Wealth Management Advisor, Senior Vice President, and Portfolio Manager at Merrill Lynch Wealth Management. With over 30 years in the financial industry and more than 20 years holding the Chartered Financial Analyst® designation, he employs a disciplined wealth management process that integrates clients' risk tolerance, time horizon, liquidity needs, and investment goals. Richard's approach includes comprehensive reviews of clients' financial and personal lives to establish tailored objectives and develop appropriate portfolio strategies. He utilizes the investment resources of Merrill and banking capabilities of Bank of America to provide products and services aimed at simplifying and integrating clients' financial lives. Richard regularly conducts financial reviews to monitor progress and adjust strategies as needed based on life changes or market conditions. Richard graduated from the University of Virginia in 1992 with a Bachelor of Arts degree in Economics and a Minor in Religion. He holds multiple professional designations including Chartered Financial Analyst®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, and Retirement Accredited Financial Advisor. He is a member of professional organizations such as the Baltimore Security Analysts Society, CFA Institute, College for Financial Planning, and National Association of Plan Advisors. Outside of his professional career, Richard is married to Gayle and they have two sons and a daughter.

Melanie Samoska is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Bank of America, N.A. and Merrill since 2016. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Barbara Walters is a financial advisor at Equitable Advisors with 14 years of industry experience. She holds the Series 66 and Series 63 designations and has previously worked at RBC Capital Markets and Stifel Independent Advisors. Walters also serves as a State of Maryland Notary. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives, utilizing both proprietary and third-party advisory models.

Avis Fagu is a CFP®-certified financial advisor with 21 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. Prior to that, she worked at Morgan Stanley and its affiliates from 2005 to 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Demetrios Karagiorgis is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and previously worked at InFocus Financial Advisors and has experience in both education and contracting sectors. Morgan Stanley Wealth Management serves individual and institutional clients by providing 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 firm-approved tools and modeling techniques.

Eric Villamater is a financial advisor at Morgan Stanley with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Kieren Reilly Seivert is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2015, following a three-year tenure at Mutual Of Omaha Investor Services, Inc. Outside of his advisory role, he is involved with Advisors Give Back, a civic and educational organization based in Oakland, California. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, emphasizing structured financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and offers planning services that integrate broad retail and institutional offerings along with specialized investment and trading activities.

Sarah Cicero is a CFP® with 22 years of industry experience and is currently an advisor at OSAIC. She previously worked at Lincoln Financial Advisors Corp and StoneBridge Advisors, Inc, where she also holds ownership interest. Outside of advisory work, she is registered as an insurance agent offering various insurance products and acts as power of attorney for her mother. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, portfolio management, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by risk-tolerance assessments and manages accounts through a complex network of affiliates and custodial arrangements.

Christian Schwartz is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley since 2023. His prior work includes roles at Indiana University and TBH Global Asset Management. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and investment committee insights.

Timothy O'Brien is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has been with Merrill since 2018. Prior to his advisory career, he worked for four years at La Tolteca Mexican Restaurant. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individual and institutional clients. The firm supports a range of clients including high-net-worth individuals, pension plans, corporations, and charitable organizations.

Campbell Jamieson is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this position, he partners with clients and their families to understand their financial landscape, develop a roadmap, and guide them towards their financial goals through comprehensive personalized planning. Prior to joining Fidelity Investments, Campbell worked as a Senior Sales Consultant at T. Rowe Price from 2020 to 2024. Before that, he served as a DCIO Internal Wholesaler at State Street Global Advisors from 2016 to 2020. His professional experience spans investment consulting and sales roles within prominent financial institutions. [No information about education, credentials, personal interests, or community involvement was provided.]

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.

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.

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.

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.

Russell Lagreca is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, following three years at Citigroup Global Markets. Outside of his advisory work, Lagreca serves on investment and finance committees for several nonprofit and community organizations in Maryland, including the Community Fund of Harford County, the Catholic Family Foundation, and The John Carroll School. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and scenario modeling as part of its financial planning process while generally acting in an advisory capacity without providing individual security recommendations.

Elizabeth Phelan is a financial advisor with Merrill based in Baltimore, MD, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Merrill, Bank of America, N.A., BOFA Securities, Inc., and M&T Bank. Outside of her advisory role, she serves as a committee member for United Way Central Maryland, participates in the finance committee there, and is involved with the development committee at The Walters Art Museum. 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 strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.