Cheryl Palumbo is a Series 66-licensed financial advisor with Robert W. Baird & Co. in Towson, MD, where she has worked since 2009. She has 24 years of industry experience. Outside of her advisory role, she serves as a board member for Saints Peter and Paul Church Finance Council and is involved as a director and board member in a physician’s office partnership. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet diverse client goals and risk tolerances.

Craig Lestner is a Certified Financial Planner® with 27 years of industry experience. He has been with Cambridge Investment Research Advisors since 2007 and previously worked at Morgan Stanley. He also serves as an independent insurance agent and is a committee member of the Associated Jewish Community Federation of Baltimore. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of Financial Professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

David Johnson is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, bringing 25 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2012. Johnson serves as a committee member for the Maryland Association of CPAs, contributing to financial planning education for CPAs. He also assists Salisbury University Women's Lacrosse with managing team funds. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm integrates investment management with Bank of America affiliates and emphasizes manager selection and tax-efficient strategies.

Rodas Mekonnen is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill and Bank of America, he held positions at the University of Maryland and Designer Brands Inc./Designer Shoe Warehouse. Outside of finance, he co-owned a retail business, Tutu Hat Shop, from 2021 to 2023. 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 model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Norman Townsend III is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2020. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory role, he is an executive performance coach at the Team Performance Institute, focusing on leadership and team development. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that emphasize tailored, non-discretionary advice supported by in-depth analysis and a broad range of portfolio management styles.

Russell Hewitt Jr. is a financial advisor with MassMutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and 11 years of industry experience. He has been with MassMutual Investors Services since 2015 and is also involved with MassMutual Life Insurance Company. Hewitt has ownership and sales roles at Onorato Financial Group LLC, which focuses on life, health, disability insurance, fixed annuities, and long-term care. MassMutual 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, structuring client engagements as collaborative annual relationships using firm-approved analytical tools.

Noah Silva is a financial advisor with Ameriprise, holding a Series 66 designation and beginning his advisory career in 2024. Before joining Ameriprise, he worked at River Church Baltimore and held positions at Johns Hopkins University and local schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice centered on dependable income and tax-aware withdrawal strategies.

Karl Porter is a Senior Vice President, Wealth Management Advisor, and Senior Portfolio Advisor with The Pearce Group at Merrill Lynch Wealth Management. He has been with Merrill since 1998 and previously worked with Morgan Stanley and Dean Witter. Karl holds the Certified Investment Management Analyst® designation earned in conjunction with the Wharton School, University of Pennsylvania, and the Investments & Wealth Institute™. He is also a Retirement Benefits Consultant and a member of a specialized group of Merrill Financial Advisors registered with the Firm's Defined Contribution Investment Consulting (DCIC) platform. Karl is a member of the National Association of Plan Advisors (NAPA) and holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible investing, values-based and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Prior to his career in financial services, Karl gained extensive experience in the real estate industry. He attended Boston University and received his bachelor's degree from the College of the Atlantic. Additionally, he has worked as a researcher for The Smithsonian Institution. In 2023, Karl was recognized as a member of The Pearce Group on the FORBES "Top 100 Private Wealth Teams in America" list. Outside of his professional work, Karl enjoys boating, fishing, football, reading, scuba diving, spending time with his family, and traveling.

Joshua Mikolowsky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. His prior experience includes roles at Bank of America and Merrill Lynch. He is based in Hunt Valley, MD. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning and consulting with a non-discretionary approach supported by various portfolio management styles and affiliated research.

Khloe Adams is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at T. Rowe Price for three years and has held roles outside finance, including positions at Under Armour, Stevenson University, and Tiki Lee's Dock Bar. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and customized financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services that include coordinated planning conversations and scenario modeling.

Erik Barrueto is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Debra Press is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Her previous roles include positions at Bank of America, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of her advisory work, she owns an eBay retail business specializing in household items, shoes, and collectibles. 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, and institutional investors.

Brenden Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He previously worked at Morgan Stanley for four years before joining Wells Fargo in 2016. Outside of his advisory work, he writes and records music. 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 utilizes research and analytics to support diversified investment strategies and offers both brokerage and advisory solutions.

Candido Palting III is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney since 2009, currently working at Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and risk modeling techniques.

Aaron Kelly is a CFP®-designated financial advisor with 11 years of industry experience. He is currently with LPL Financial, having joined in 2024 after nine years at Lincoln Financial Advisors Corporation. 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 and access to model portfolios and third-party asset managers.

Timothy Cerny is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior work includes over two decades at Guardian Life Insurance. He is also involved in selling non-variable insurance products through several providers. 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 a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Shane Smith is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Bethesda Wealth Planning Group and Georgetown Financial Group, as well as work in construction and education. He has also been affiliated with the University of Maryland for four years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs.

Joshua Ernest is a financial advisor at J.P. Morgan Securities with 8 years of industry experience and holds the Series 66 designation. Prior to joining his current firm in 2023, he worked at Bank of America and Merrill from 2014 to 2022. Outside of his advisory role, he is the owner and partner of Reefer Madness, LLC, a business involved in the sale of live coral reef animals. J.P. Morgan Securities provides institutional consulting to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may include ESG considerations, with implementation support from affiliated investment management entities.

Tendai Mubagwe is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Tendai worked at NIH Federal Credit Union and Premier Bank, among other roles. Outside of finance, Tendai is the founder and business manager of an online venture, DigitalMarketingbyT, which offers digital product templates and customizable gift items. 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 diverse client base including individuals, high-net-worth clients, and institutions.

Christopher Hutson is a Series 66-licensed financial advisor with Morgan Stanley in Baltimore, MD, with three years of industry experience. His prior work includes roles at Morgan Stanley Smith Barney LLC and involvement with various organizations such as SemaConnect Inc and Towson University. Outside of his advisory role, Hutson is co-founder of Moments Captured LLC, an art and culture venture, and a partner at Afternoon Delight LLC, an online retail business. Morgan Stanley Wealth Management provides a range of advisory programs serving both individual and institutional clients, utilizing structured financial planning tools and offering investment services through its extensive network of advisors.