Frank Duncan is a financial advisor with LPL Financial in Timonium, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, including prior roles at Morgan Stanley, Citigroup Global Markets, Legg Mason Wood Walker, and T. Rowe Price Advisory Services. Since 2020, he has also operated Maryland Financial Group, Inc., an independent registered investment advisory firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and participant-level retirement advice, supported by a large network of investment adviser representatives.

Keith Ellis is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 65 and Series 63 licenses and 16 years of industry experience. Before joining Morgan Stanley in 2025, he worked at RE Advisers Corporation and RE Investment Corporation for seven years, as well as EF Legacy Securities, LLC for one year. Morgan Stanley Wealth Management serves individuals and institutional clients with a variety of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s financial planning process emphasizes structured discovery and firm-approved tools, offering services primarily in an advisory capacity.

Christopher Pellegrino is a CFA® charterholder and holds Series 65 and Series 63 licenses, with five years of industry experience. He currently serves as an advisor with LPL Financial and Summit Investment Advisors, following prior roles at Carefirst, Sloane McCarron Capital Advisors, and Financial Telesis. Outside of his advisory work, he owns two Amazon sales businesses based in Arnold, Maryland. 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 solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with advanced research tools and operational resources.

Matthew Decapite is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he works as a pickleball coach and instructor. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services through various programs, including partnerships with employers for corporate financial planning.

Edward Campbell III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and encompassing 20 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Legacy Planning Partners, and Securian Financial Services Inc., among others. He is also involved with East Coast Advisory as a registered investment representative. Cambridge Investment Research Advisors serves a diverse client base including individual investors, pension funds, and charitable organizations. The firm offers financial planning, investment management, retirement plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multibillion-dollar asset base with access to multiple platforms and custodians.

Ryan Kenny is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2013, progressing through various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2021. As a CERTIFIED FINANCIAL PLANNER™, Ryan works closely with his clients to develop personalized and comprehensive financial plans, focusing on the needs of affluent clients. He brings over a decade of experience in financial consulting and utilizes Fidelity's resources to support his clients' unique financial goals. Ryan emphasizes building strong relationships by getting to know his clients and their families personally, aiming to serve as a trusted advisor across generations. Outside of his professional work, Ryan enjoys activities such as spending time at the beach, family activities, fitness, golf, outdoor adventures, and traveling.

Blair Hill serves as the Resident Director and Wealth Management Advisor at Merrill. He joined Merrill in 2000 and advises affluent families and individuals, including professionals, business executives, and entrepreneurs, on a wide range of wealth management needs. His expertise includes retirement income planning, gifting and estate planning services, concentrated stock strategies, private business succession and transition planning, and personal investment strategy. As a qualified Portfolio Manager, Blair manages personalized and defined strategies which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm's Investment Advisory Program. Blair holds a Bachelor's Degree from the University of Maryland at College Park. He has earned professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside his professional work, Blair is actively involved in his community, participating in organizations such as the Clarksville Rotary Club, Howard County Fair Association, Maryland 4-H Foundation, and the Ulman Cancer Fund for Young Adults. He is married to his wife Megan for over 25 years, with whom he has two children. The family lives on a working farm where they raise beef cattle alongside crops including wheat, soybeans, corn, and hay. When not assisting clients, Blair spends time outdoors on the farm, watching his children play lacrosse, and pursuing personal interests such as adventure sports, biking, camping, gardening, hiking, running, skiing, and surfing.

Greg Mancina is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Empower, Wells Fargo, PNC, Merrill, and Valic Financial Advisors. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to various registered investment companies and fund-of-funds.

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 Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, affiliated with The Pearce Group. He has been with Merrill since 1998 and previously worked with Morgan Stanley and Dean Witter. Karl holds professional designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is also a member of The Investments & Wealth Institute™ and the National Association of Plan Advisors (NAPA). Karl's expertise encompasses family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. He has extensive experience also from an earlier career in the real estate industry. He earned a Bachelor's degree from College of the Atlantic and attended Boston University. Additionally, Karl has worked as a researcher for The Smithsonian Institution. Outside of his professional work, his personal interests include 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.