Bruce Goodwin is a Wealth Management Advisor at Merrill Lynch Wealth Management with over 40 years of banking and investment experience. He runs a family practice helping multiple generations achieve their financial goals through a disciplined, long-term approach tailored to each client's specific situation. Bruce provides customized financial strategies that extend beyond investing in stocks and bonds to address every aspect of his clients' financial situations. His expertise includes retirement planning strategies, trust and estate planning services in collaboration with family tax accountants and attorneys, business transition planning strategies, and individual wealth preservation and insurance planning strategies. Bruce holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Accredited Asset Management Specialist (AAMS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bruce earned a Bachelor's Degree from the University of Pittsburgh and a Master's Degree with a concentration in finance from Loyola College. He is actively involved in his community, serving as Chair on the Finance Commission at St. Joseph Catholic Community and as a member of the Knights of Columbus. He has held positions on the Board of Directors at St. Agnes Hospital Foundation and served as Treasurer of the Reisterstown Owings Mills Glyndon Chamber of Commerce. His personal interests include golfing, spending time with his family, and watching movies.

Walter Williams Jr. is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in Towson, Maryland. He has been advising professionals, families, retirees, athletes, and entertainers since 2010, focusing on building personalized financial roadmaps to achieve their wealth management goals. Prior to joining Merrill Lynch Wealth Management, Williams served as a Financial Advisor for UBS for 11 years. Williams specializes in areas including family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, sports and entertainment, individual and corporate investment strategy, and retirement income. He holds a Bachelor's Degree in Consumer Studies from the University of Maryland and has earned the Personal Investment Advisor (PIA) and Sports and Entertainment (SE) designations. Outside of his professional role, Williams enjoys spending time with his wife April and their three sons. He continues to engage in basketball, watching sports and movies, and is a competitive cornhole player.

David Gately is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Morgan Stanley since 2010, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he serves as a basketball coach at Calvert Hall High School in Towson, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by proprietary tools and simulations. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Andrew Horowitz is a CFP®-designated financial advisor with 24 years of industry experience. He currently works at Osaic Wealth, Inc. and previously spent 20 years at Lincoln Financial Advisors. Horowitz is also an insurance agent offering disability, long-term care, traditional life insurance, and fixed annuities. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and access to multiple investment platforms.

Mikaila Davis is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch since 2018. Prior to that, she held positions at Amazon, PNC Bank, and Teavana. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Robert Monroe is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Navy Federal Credit Union, State Employee Credit Union, and ValleyStar Credit Union. Outside of financial services, he has experience in homemaking and worked for T-Mobile for seven years. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Amanda Burnside is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Kestra Financial, The Leaders Group Inc, and The Affluence Group. Burnside joined Morgan Stanley in 2021. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by structured discovery conversations and proprietary planning tools.

James Spies III is a financial advisor at OSAIC with 17 years of industry experience. He holds the Series 66 designation and previously worked at Lincoln Financial Advisors and MML Investors Services/Mass Mutual. Outside of his advisory role, he is a partner in a brewery business, Makers House, LLC, where he has a consultative role. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit investors. The firm offers a range of integrated financial services and employs various portfolio construction tools and third-party platforms to support customized investment management.

Randolph Roulette is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. He has 26 years of industry experience, including prior roles at Bank of America and Merrill. He is based in Lutherville, MD. 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 both brokerage and advisory solutions.

David Repko is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he owns businesses involved in consulting and education infrastructure and is the owner of Aiken Racing Management, a consulting business. Ameriprise serves individuals approaching or in retirement, offering a specialized retirement-income planning service that integrates research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm supports clients with a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Charles Bostwick II is a financial advisor with LPL Enterprise holding Series 63 and Series 66 designations and six years of industry experience. He has worked at LPL Enterprise since 2025 and has a longstanding career with American Family Insurance dating back to 1993. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Richard Craft Jr. is a CFP® and ChFC® credentialed financial advisor with 12 years of industry experience. He currently works with LPL Financial and previously spent 10 years with Lincoln Financial Advisors. Outside of his advisory work, he is a business owner involved with Guilford Brewing, LLC and Moodys Place. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by extensive advisor tools and a broad array of financial activities.

Brett Moritz is a Wealth Management Advisor with more than 25 years of experience serving multiple generations of clients nationwide. He specializes in creating personalized wealth management strategies that align with clients’ real-world objectives. Brett emphasizes a disciplined process and clear communication to help clients navigate various market conditions and make informed financial decisions. His approach involves understanding each client's unique goals through meaningful conversations and offering straightforward advice tailored to their long-term plans. Brett holds a Bachelor's Degree from the University of Nebraska System and has earned several professional credentials, including Certified Investment Management Analyst (CIMA), Certified Investment Management Consultant (CIMC), and Personal Investment Advisor (PIA). He is affiliated with Merrill Lynch Wealth Management and emphasizes personalized service and collaboration in his practice. Outside of his professional work, Brett volunteers in his community and enjoys activities such as cooking, football, gardening, hiking, hunting, reading, swimming, and spending time with his family.

Scott McIntyre is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes roles at Equity Fund Advisors and Cole Capital Corporation. Outside of advising, he is involved in volunteer youth wrestling and operates as an independent insurance agent and tax preparer. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm supports a range of investment approaches through various platform arrangements and offers both proprietary and third-party strategies.

Kevin Kavanagh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 49 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory approach is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial product options than typical large institutional advisers.

Connor Respass is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and beginning his industry career in 2026. His prior experience includes roles at T Rowe Price and academic positions at the University of Maryland Global Campus and McDaniel College. He also has ongoing involvement with JCC Owings Mills, a community organization. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jonathan Kalu is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Laura Diamond is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011 and has 18 years of experience with Meadowbrook Pool outside of her advisory role. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Frederick Casper Jr. is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he owns a retail business called FCE Imaging in New Market, Maryland. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets, providing written, non-discretionary recommendation reports focused on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and automated tools overseen by committees to support advisors in delivering tailored retirement income advice.

Shawn Halsey is a financial advisor at Morgan Stanley with 25 years of industry experience and holds a Series 66 designation. His career includes roles at Morgan Stanley and Bank of America, with over a decade spent at Merrill and its affiliates. He serves on the Board of Trustees and the Investment Committee of York College of Pennsylvania. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of services including estate planning strategies and investment products.