Joseph O'Rourke is a CFP®-designated financial advisor with seven years of industry experience. He is currently with LPL Financial and previously held roles at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and PNC Bank. O'Rourke’s background includes a variety of positions within major financial institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, trust companies, and other institutions.

Mark Miller is a financial advisor with Ameriprise in Bel Air, MD, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2015. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team.

Joel Cohn is a financial advisor at Morgan Stanley with 29 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. Prior to that, he was with Citigroup Global Markets from 1996 to 2009. Outside of his advisory role, he serves as a board member for Beth Tfiloh Synagogue in Baltimore, Maryland. Morgan Stanley Wealth Management provides advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and serves clients through various programs, including corporate financial planning agreements.

John Lomax is a Series 66-licensed financial advisor at Stifel with 29 years of industry experience, including 19 years at Stifel. He is based in Bel Air, MD. Stifel serves a diverse client base that includes individuals, institutions, charitable organizations, and municipal entities, offering brokerage and investment advisory services including fee-based financial planning and recommendations of third-party advisers. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing forward-looking capital market assumptions and probabilistic modeling to support client decision-making.

Kyle Tosh is a CFP® professional with 10 years of industry experience, currently serving at LPL Enterprise. His prior experience includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, Bank of America, and Merrill. He is a founding partner of Old Line Wealth Partners and serves as a board member of the Rising Sun Chamber of Commerce. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach utilizing portfolios developed internally and by third-party strategists, and offers access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Zachary Mccaskill is a financial advisor with UBS Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley from 2015 to 2022 before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, including capital markets operations and affiliated banking programs.

Thomas Palm Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Cetera Advisors LLC for eight years and operated his own practice, Thomas J Palm, from 1973 to 2020. He also has an ongoing involvement in tax preparation and accounting through Thomas J Palm, PA in Baltimore. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

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.

Nicholas Perciasepe is a financial advisor at Fidelity with Series 63 and Series 65 designations and has one year of industry experience. His prior roles include positions at Freedom Mortgage, Prudential Financial, and Baltimore Washington Financial Advisor. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios, with oversight of sub-advisers and a focus on systematic investment approaches.

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.

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.

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.

James Duffy IV is a CFP® with 21 years of industry experience, currently serving at LPL Enterprise since 2024. His prior experience includes roles at Prudential Insurance Company of America for 20 years, Pruco Securities, LLC for 18 years, and Morgan Stanley DW Inc. for one year. Outside of his primary advisory role, he is involved with Frame Wealth Partners, focusing on comprehensive financial planning and the sale of insurance and investment-related products. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Luke Schmitz is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he assists clients and their families in building financial plans tailored to their unique situations. Prior to this, he worked as a Financial Representative at Fidelity Investments in 2024. Luke focuses on developing strategies that align with his clients' goals, emphasizing a process built around trust and meaningful relationships. His approach is informed by his interest in finance, planning, and client engagement. Outside of his professional responsibilities, Luke has personal interests that include cars, fitness, golf, pets, and traveling.