Brett Moritz is a Wealth Management Advisor with more than 25 years of experience serving multiple generations of clients nationwide. He specializes in creating personalized wealth management strategies that align with clients’ real-world objectives. Brett emphasizes a disciplined process and clear communication to help clients navigate various market conditions and make informed financial decisions. His approach involves understanding each client's unique goals through meaningful conversations and offering straightforward advice tailored to their long-term plans. Brett holds a Bachelor's Degree from the University of Nebraska System and has earned several professional credentials, including Certified Investment Management Analyst (CIMA), Certified Investment Management Consultant (CIMC), and Personal Investment Advisor (PIA). He is affiliated with Merrill Lynch Wealth Management and emphasizes personalized service and collaboration in his practice. Outside of his professional work, Brett volunteers in his community and enjoys activities such as cooking, football, gardening, hiking, hunting, reading, swimming, and spending time with his family.

Kevin Kavanagh is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 designations and 49 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting, using research and analytics to guide portfolio construction while providing both brokerage and advisory solutions.

Connor Respass is a financial advisor at Merrill with Series 63 and Series 66 designations and one year of industry experience. His prior roles include positions at T Rowe Price and Bank of America, N.A., and he has professional experience in both academic and community settings, including ongoing involvement with JCC Owings Mills. 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 investment strategies for a range of clients, including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Melissa Gregory is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. She has worked with Morgan Stanley since 2016 and was previously involved with Basignani Winery from 2014 to 2017. Morgan Stanley Wealth Management offers advisory programs to both individual and institutional clients, providing tailored financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and combines a range of investment and planning solutions across retail and institutional markets.

Laura Diamond is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011 and has 18 years of experience with Meadowbrook Pool outside of her advisory role. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Frederick Casper Jr. is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he owns a retail business called FCE Imaging in New Market, Maryland. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets, providing written, non-discretionary recommendation reports focused on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and automated tools overseen by committees to support advisors in delivering tailored retirement income advice.

Nathan Gounaris is a financial advisor at RBC Capital Markets in Baltimore, MD, holding a Series 66 designation and having two years of industry experience. His prior roles include positions at City National Bank and multiple engagements with Elon University and Woodholme Country Club. Outside of his advisory work, he has experience connected to 1623 Brewing Co. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with tailored investment strategies and a range of advisory programs. The firm combines in-house and external investment management resources to provide discretionary and non-discretionary portfolio management, financial planning, and custody services.

Shawn Halsey is a financial advisor at Morgan Stanley with 25 years of industry experience and holds a Series 66 designation. His career includes roles at Morgan Stanley and Bank of America, with over a decade spent at Merrill and its affiliates. He serves on the Board of Trustees and the Investment Committee of York College of Pennsylvania. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers a range of services including estate planning strategies and investment products.

Joseph O'Rourke is a CFP®-designated financial advisor with seven years of industry experience. He is currently with LPL Financial and previously held roles at JPMorgan Securities LLC, JPMorgan Chase Bank NA, and PNC Bank. O'Rourke’s background includes a variety of positions within major financial institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions to individuals, retirement plan participants, banks, trust companies, and other institutions.

Andrew Berkowitz is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering financial planning and estate strategies supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Anthony Lepore is a financial advisor at Morgan Stanley in Baltimore, MD, with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Morgan Stanley and its related entities since 2013, previously working at Scottrade. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range 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 modeling techniques.

David Mott is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with Morgan Stanley and its Private Bank division since 2013, having spent the past 11 years at Morgan Stanley Private Bank. Outside of his advisory work, he is involved in real estate ownership in Baltimore. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market outlooks.

Kyle Tosh is a CFP® with 10 years of industry experience, currently serving at LPL Enterprise since 2024. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities LLC, Bank of America, N.A., and Merrill. He is also a founding partner of Old Line Wealth Partners and serves as a board member of the Rising Sun Chamber of Commerce. LPL Enterprise, LLC offers investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and provides access to financial planning, third-party asset managers, and affiliated trust and insurance services.

Robert Demuth is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank since 2015. His prior experience includes roles at Citigroup Global Markets and Legg Mason Wood Walker. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs supported by structured planning tools and firm-approved methodologies.

Thomas Palm Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Cetera Advisors LLC for eight years and operated his own practice, Thomas J Palm, from 1973 to 2020. He also has an ongoing involvement in tax preparation and accounting through Thomas J Palm, PA in Baltimore. 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 broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Richard Mutua is a Financial Advisor with Merrill Lynch Wealth Management. He works with professionals, families, and business owners to help them make clear and confident decisions despite financial complexities. His approach is strategic and analytical, focused on clarity, disciplined execution, and building long-term trust. He specializes in assisting busy professionals, growing families, and business owners with complex financial decisions including corporate executive services, equity compensation, endowments, foundations, nonprofit services, legacy planning, personal retirement planning, portfolio management, small business strategies, special needs planning, tax minimization, and retirement income. Richard emphasizes understanding his clients' unique goals to translate financial complexity into actionable steps and guide them through market shifts and life changes. Richard holds a Bachelor's Degree from the University of Nairobi and has earned the Professional Investment Advisor (PIA) designation. Outside of his professional work, he enjoys baseball, basketball, biking, boating, football, golfing, music, soccer, spending time with his family, and traveling.

Silvia Tergas is a financial advisor at LPL Enterprise with 15 years of industry experience. She holds the Series 66 designation and has worked previously at Prudential Insurance Company of America, Pruco Securities, LLC, and Securian Financial Services, Inc. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse clientele including individual and high-net-worth investors, retirement plans, banks, corporations, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers additional services such as financial planning, access to third-party asset managers, and participation in wrap programs.

Nicholas Perciasepe is a financial advisor at Fidelity with Series 63 and Series 65 credentials and one year of industry experience. His prior roles include positions at Freedom Mortgage and Prudential Financial. Outside of finance, he has been involved with Shore Acres Point Club in various capacities. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and deliver model portfolios.

Aaron Schmerling is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Schmerling is also involved with Steerpath Wealth, a business activity related to his work at LPL. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in wrap programs.

Jeffrey Wasserman is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling techniques.