Michael Larkin is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and over 20 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2020, with prior roles at Avantax Investment Services, Dominion Wealth Management, 1st Global Advisors, and RBC Capital Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Adama Diallo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and previously spent six years with Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), 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.

Rockline Noyer Ngu is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Primerica, Ngu worked at Thomson Reuters and Volkswagen. Outside of advising, Ngu is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, which includes model-delivery strategies and separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its investment services.

Susan Edmiston is a financial advisor with Edward Jones in Frederick, MD, holding Series 63 and Series 66 licenses and with 25 years of industry experience. She has been with Edward Jones since 2000. Edmiston serves as Vice President of the board for Care Wear in Frederick, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Amanda Brien is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved planning tools.

Michael Clabaugh is a financial advisor with Stifel in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies using forward-looking market assumptions and probabilistic modeling for asset allocation and planning analyses.

Sarah Godwin is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2019 and previously held positions at Magpie Fibers, Morgan Stanley Private Bank, Morgan Stanley, and SilverHaze Partners. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Wendy Shi is the Vice President and Branch Leader at Fidelity Investments' Washington DC Investor Center. In her current role, she leads a team of advisors dedicated to assisting clients in achieving their financial goals through Fidelity's holistic planning process. Wendy's professional experience spans over a decade within the financial services industry. She has held various positions at Fidelity Investments since 2011, including Branch Service Manager and Relationship Manager. Prior to that, she worked as a Financial Consultant at Scottrade from 2009 to 2011, and as an Investment Banking Financial Analyst at Jeffereis & Co. Inc. from 2005 to 2007. Outside of her professional responsibilities, Wendy has interests in parenthood, photography, traveling, volunteering, and writing.

David Chang is a financial advisor with Merrill in Frederick, MD, holding a Series 66 designation and 16 years of experience at Merrill. He is a co-owner of a rental property in Chesapeake, VA, shared with family members. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individual, high-net-worth, and institutional clients with model-based and discretionary investment strategies developed by internal and third-party managers.

Patricia Davies is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and seven years of industry experience. She has held roles at LPL Financial, RM Benefits of Maryland, Cetera Advisors LLC, and Maryland Financial Group, among others. In addition to her advisory work, she is employed at Almacy & Co. CPAs PA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and a variety of investment strategies.

Rikki Bowser is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Rikki works with clients to address complex financial challenges and help them optimize their resources for a better quality of life. Rikki's professional credentials include the Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. Rikki holds a Bachelor's Degree from UC Davis. No additional personal or community information is available.

Sidney Huguenin is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves on the finance committee of the Fountain Head Country Club in Hagerstown, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines large-firm resources with diverse investment and planning capabilities.

Derek McGee is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured planning tools and comprehensive investment resources.

Keith Hoover is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 credentials and over 32 years of industry experience. His career includes roles at CLRA Group LLC and PFS Investments Inc., along with a decade-long involvement with Frederick Keys Baseball. He is also engaged in the sales of investment-related and home security products through affiliated companies. Primerica Advisors is a large-scale institution serving individual, corporate, and charitable clients, primarily through a wrap-fee asset management program that utilizes model-driven investment strategies managed by third-party firms. The firm offers a range of strategic and tactical investment models with support from established custodians and overlay managers.

Jonathan Dorsch is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 66 credentials and seven years of industry experience. He previously worked at T. Rowe Price and Northwestern Mutual, and spent four years at Washington College. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning services supported by structured discovery processes and firm-approved planning tools.

Matthew Pereira is a Series 66-licensed financial advisor at Merrill with six years of experience, including four years at Wells Fargo Bank N.A. prior to joining Merrill in 2020. He is based in Frederick, MD. 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 strategies for individual, high-net-worth, institutional, and nonprofit clients.

Amy Forman is a financial advisor at Thrivent Investment Management with 13 years of industry experience. She holds the Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2015. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning across various topics, with options to combine planning and managed-account services under a consolidated billing arrangement called “WealthPlan.”

Frederick Ridgway Jr. is a financial advisor with Stifel, holding a Series 66 designation and 28 years of industry experience. He has been with Stifel Nicolaus & Co. Inc since 2009. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipalities, offering brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Tj Atkinson is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Merrill since 1988, also working at Bank of America since 2009. Outside of his advisory role, he owns and operates an equestrian business and agricultural real estate ventures in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

David Goldberg is a financial advisor at Cambridge Investment Research Advisors with five years of industry experience. He holds the Series 66 designation and has worked at Cambridge-related firms since 2021. Outside of his advisory role, he serves as interim CEO and board member at Individualized Medicine, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through independent Financial Professionals, utilizing proprietary and third-party strategies across multiple platform arrangements.