Adam Hartman is a financial advisor with Ameriprise in Bethesda, MD, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its related entities since 2015. Outside of his advisory role, he co-owns HH BMD Enterprises LLC, where he is involved in managing human resources and business expenses. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement who meet certain asset thresholds. The firm’s approach includes personalized, research-driven recommendation reports prepared in collaboration with financial advisors and supported by algorithmic tools and a dedicated oversight committee.

James Lee is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation and previously worked for the Multistate Tax Commission and the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its financial planning services.

Jeremy Greenberg is a financial advisor with Merrill holding a Series 66 designation and has four years of industry experience. His prior work includes roles at Bank of America, N.A. and The Neustadt Group. Merrill, along 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.

Tyler Kurtz is a financial advisor with UBS Financial Services in Bethesda, MD. He holds the Series 66 designation and has two years of industry experience. Prior to joining UBS, he worked at Morgan Stanley and spent four years at the University of Delaware. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Anteneh Gebretsadik is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2017, including experience with Bank of America. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mitchell Berlin is a financial advisor with Ameriprise in Potomac, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, Berlin serves as president of a local homeowners association and manages Berlin and Associates, LLC, a business supporting his financial planning practice. Ameriprise offers retirement-income planning services focused on clients nearing or in retirement with significant investable assets, combining research and modeling to provide tax-efficient, written recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Trinity Grall is a Series 66-credentialed financial advisor with 26 years of industry experience, currently affiliated with LPL Financial in Rockville, MD. Prior to joining LPL in 2025, she worked at firms including GEM Financial Services, Grove Point Investments, Commonwealth Financial Network, and H. Beck, Inc. Outside of her advisory roles, she is employed at Walden Country Club and serves with the Anne Arundel County Board of Elections. 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 other institutions. The firm offers a range of financial planning and investment management options supported by technology and a large network of advisors.

Daniel Sipe is a financial advisor with Raymond James Financial in Rockville, MD, holding Series 63 and Series 66 licenses and having 35 years of industry experience. He has been with Raymond James since 2004 and previously worked at several firms focused on federal employee benefits. Sipe is a partner and managing officer in multiple non-investment-related businesses including GIVE LLC and Serving Those Who Serve, reflecting his involvement in entrepreneurial and support ventures outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using detailed risk profiling and modeling and supports its clients with a broad range of advisory programs and institutional services.

John Gagliardi Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His prior roles include positions at LPL Financial and M&T Securities. He also serves as a FINRA arbitrator on a part-time basis. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers municipal advisory services alongside its broader institutional capabilities.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Victor Fox is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2017, and a prior position at the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through Corporate Financial Planning agreements.

Henry Lynch is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked within Morgan Stanley entities since 2009, including Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and methodologies.

Jack Gill is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2016, progressing through various positions including Financial Consultant, Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Jack applies lessons learned early in life about the importance of planning to his approach in financial consulting. He collaborates with clients to understand their goals and develop customized strategies to manage, protect, and grow their wealth. Outside of his professional work, Jack enjoys spending time at the beach, watching movies, and listening to music.

Rutin Crisp is a Series 66 licensed financial advisor at Morgan Stanley in Rockville, MD, with six years of industry experience. Prior to joining Morgan Stanley in 2021, Crisp held roles at Wells Fargo Clearing and Wells Fargo Bank, NA. Before entering the financial industry, Crisp worked as a homemaker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its advisory services.

Montserrat Flores is a Series 66-licensed financial advisor with six years of industry experience. She is currently with J.P. Morgan Securities, where she has worked since 2021, following prior roles at Merrill and Bank of America/Merrill Lynch. Before entering the financial services industry, she held positions at St. Jude Children's Research Hospital and Cargill. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with affiliated brokerage and investment management capabilities, offering recommendations on a non-discretionary basis while clients retain final decision authority.

Roma Mulay is Vice President and Branch Leader at Fidelity Investments, where she coaches and develops a team of financial professionals focused on delivering a world-class experience to clients. She oversees a team that customizes financial conversations to address the unique goals and planning needs of each client. Roma has extensive experience in the financial services industry, with a career spanning roles such as Vice President and Branch Leader at Fidelity Investments since 2022, Branch Market Manager at Charles Schwab and TD Ameritrade from 2020 to 2022, and various positions including Branch Manager, Senior Financial Consultant, and Investment Consultant at TD Ameritrade from 2010 to 2020. She began her career as a Financial Advisor at Ameriprise Financial from 2006 to 2010. Outside of her professional responsibilities, Roma enjoys family activities, fitness, hiking, painting, and traveling.

Scott Katzenbarger is a financial advisor with LPL Financial in Gaithersburg, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Ameriprise Financial Services, Inc. for 14 years and Ameriprise Advisor Services, Inc. for 6 years, among other roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Brad Blaisdell is a financial advisor at Raymond James Financial Services Advisors, Inc. with 22 years of industry experience. He holds the ChFC® and Series 66 designations. Prior to joining Raymond James, he worked at Edward Jones for 10 years. Blaisdell is also the president of Blaisdell Wealth Management, where he provides financial advising. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm emphasizes tailored, non-discretionary planning and utilizes analytical tools such as risk profiling and probability modeling to support client goals.

Daniel Ronis is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with LPL Financial and has previously worked at Janney Montgomery Scott, Chapin Davis, Bank of America, and Merrill. His other business activities include insurance sales in Maryland. 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 financial planning and investment management services, including model portfolios and third-party asset management, supported by a broad platform combining advisory and non-advisory financial activities.

Dylan Branson is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals and families to provide personalized financial planning, investment management, and tax mitigation strategies. Dylan focuses on areas such as equity compensation services, managing new wealth, tax minimization, and retirement income. He holds a Bachelor's Degree in Economics from the University of Maryland, College Park, and an Associate's Degree from Montgomery College. Dylan has earned the Personal Investment Advisor (PIA) designation. Raised in Montgomery County, Maryland, he works closely with clients before and through retirement to address their financial needs and goals. Outside of his professional work, Dylan engages in adventure sports, chess, and skiing.