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 professional experience at Under Armour and Stevenson University. Outside of finance, she was involved with Tiki Lee's Dock Bar for three years. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research, including Monte Carlo simulations and secular return estimates.

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 14 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Outside of his advisory role, Bosmans writes and records music. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

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® professional with 10 years of industry experience, currently with LPL Financial since 2024. He previously worked at Lincoln Financial Advisors Corporation for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, combining discretionary and non-discretionary management with model portfolios and research resources.

Timothy Cerny is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked extensively at Guardian Life Insurance and Park Avenue Securities before joining LPL Financial. Outside of his advisory role, he is involved in selling life and disability insurance with several financial partner groups. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Shane Smith is a financial advisor with LPL Enterprise holding a Series 66 designation and has been in the industry since 2026. Prior to joining LPL Enterprise, he worked at Bethesda Wealth Planning Group and Georgetown Financial Group. Outside of finance, he has experience in construction and education, having worked at Cherry Hill Construction Company and Madison Public Schools. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, providing financial planning, advisory services, and access to brokerage and insurance products through an integrated platform.

Joshua Ernest is a Series 66-licensed financial advisor with seven years of industry experience. He currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously held roles at GWFS Equities, Advised Assets Group, Bank of America, and Merrill. Outside of finance, he is an owner and partner at Reefer Madness, LLC, a business involved in the sales of live coral reef animals. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

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.

Dale Harris is a financial advisor at Stifel with Series 65 and Series 63 credentials and three years of industry experience. His prior work includes roles in education and food service, as well as involvement with a basketball camp. He serves as Co-Head of the Finance Committee for the Albert Cesky Scholarship Fund, a nonprofit providing college scholarships to student athletes in Harford County. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

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.

Jacqueline Jones is a financial advisor at Cetera with 29 years of industry experience. She holds a Series 65 credential and previously worked at Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co. In addition to her advisory role, she is involved with Kinnect Advisors, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and features a multi-manager platform with access to third-party money managers.

Tasha Williams is a CFP®, ChFC®, and Series 66-licensed financial advisor with 20 years of industry experience. She is currently with LPL Financial and has previously worked for Northwestern Mutual Investment Management and Peter Tillinghast. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and financial planning services, supported by both proprietary and third-party research and technology.

William Nicklas is a financial advisor at Merrill with Series 66 and Series 63 credentials. He joined Merrill and Bank of America in 2026 and has prior experience at T. Rowe Price. Outside of financial services, he has been involved in various educational roles and operates a self-employed dog sitting business. 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, and institutional investors.

Matthew Roberts is a Financial Advisor at Merrill Lynch Wealth Management, serving as the first point of contact and trusted confidant for clients and their families. He and his team manage every aspect of clients' financial lives, delivering a comprehensive service aimed at providing lasting financial security and building generational wealth. Matthew's expertise includes executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, sports and entertainment, and tax minimization. His approach incorporates robust investment management, tax optimization strategies, retirement and income planning, estate and legacy coordination, lending solutions, and ongoing financial guidance. He holds a Bachelor's degree from the University of South Carolina System and earned his CERTIFIED FINANCIAL PLANNER (CFP) designation. Matthew treats every client relationship with the same care and attention he would give to his own family. His personal interests include football, golfing, music, pickleball, skiing, spending time with family, swimming, tennis, traveling, and volleyball.

Holly Tilford is a financial advisor at Morgan Stanley with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 1997. She serves on the investment committee for the Thomas J ONeill Catholic Health Care Fund in Baltimore. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning supported by firm‑approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate financial planning agreements.

Wendy Franklin Bayley is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 66 and Series 63 licenses and has previously worked at ClearPlan Wealth Management, Raymond James Financial Services, Marks Wealth Management, and Wells Fargo Clearing Services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning using firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Jeffrey Munson is a Series 66-licensed financial advisor with 27 years of industry experience, currently with Wells Fargo Advisors since 2021. Prior to joining Wells Fargo, he worked for RBC Capital Markets from 2009 to 2021. Outside of his advisory role, Munson is involved in entrepreneurial ventures including ownership interests in investment-related LLCs. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning services supported by Wells Fargo’s research and financial tools.