Olivia Baldwin is a financial advisor with Morgan Stanley in Bethesda, MD, holding a Series 66 designation and six years of industry experience. She has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020 and has prior experience with Healthcare Resource Network and the College of Charleston. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its advisory services.

Rebecca Luft is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Her work history includes roles at Merrill, Rockefeller Financial LLC, Bank of America, N.A., and PNC Wealth Management. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Liam Mc Nulty is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. Prior to joining Morgan Stanley, he worked at Ankura and has experience in academic environments, including James Madison University and George C. Marshall High School. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs a structured financial planning process using firm‑approved tools and modeling techniques.

Ted Rynn is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2023. He has been with Fidelity Investments since 2014, progressing through roles including Financial Consultant, Investment Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, he worked as a Paraplanner at WealthCrest Financial Services and Lifetime Wealth Planning and Management. With over a decade of experience in financial planning, Ted focuses on providing clients and their families with opportunities for greater peace of mind through his work. His professional journey reflects a consistent commitment to the financial services industry and client support. No information on education, credentials, personal interests, or community involvement was provided.

Courtney Babcock is a financial advisor at UBS Financial Services with 1 year of industry experience. She previously worked at Morgan Stanley for 4 years and AMN Healthcare for 2 years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management. The firm offers fee-based financial planning, portfolio management, and access to proprietary research to tailor investment strategies to client goals and risk tolerances.

Courtney Wallen is a financial advisor at Raymond James & Associates with 20 years of industry experience. She holds Series 63 and Series 65 designations and has worked at several firms, including Financial Engines Advisors LLC, Edelman Financial Services, and Capital Impact Partners. From 2015 to 2017, she was involved in volunteer and philanthropic activities. Raymond James & Associates is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers a range of financial planning and consulting services with a focus on non-discretionary advisory relationships.

Terrence Frederick is a Senior Financial Advisor with Merrill Lynch Wealth Management. He has been active in the financial services industry since 1996 and joined Merrill Lynch in 2009. In his role, Terrence focuses on developing tailored strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Terrence serves as a qualified Portfolio Manager, offering clients personalized or defined investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment options. He manages these strategies on a discretionary basis within the Firm's Investment Advisory Program. The Frederick Group follows a disciplined process aimed at delivering customized wealth management solutions that address clients’ risk tolerance, time horizon, liquidity needs, investment goals, and associated costs. He holds a Bachelor of Science degree in Business Management with an emphasis in marketing from the University of Maryland, earned in 1987. Terrence also holds the Chartered Retirement Planning Counselor™ (CRPC) certification awarded by the College for Financial Planning and is designated as a Personal Investment Advisor (PIA).

John Marshall is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Morgan Stanley Private Bank. Outside of his advisory role, he serves as Treasurer for Friends of Ballou, a nonprofit organization that raises funds for college scholarships for graduates of Ballou High School in Washington, D.C. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jeremy Barto is a financial advisor at Wells Fargo Advisors with one year of industry experience. He holds a Series 66 designation and has worked previously at Seventy2 Capital Wealth Management and Mookie's BBQ. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting certain net-worth criteria, with recommendations supported by Wells Fargo research and planning tools.

Colin Mckay is a financial advisor at UBS Financial Services with 21 years of industry experience. He previously worked at Goldman, Sachs & Co for 10 years before joining UBS in 2020. He holds Series 63 and Series 66 designations and serves on the local regional board of Woodberry Forest School. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm provides tailored financial planning and portfolio management supported by proprietary research and operates as a broker-dealer, investment adviser, and futures commission merchant.

Michael Padilla is a Wealth Management Advisor with Merrill Lynch Wealth Management. He works with families, individuals, and business owners to develop long-term financial strategies that integrate savings plans, financial goals, and business plans with retirement objectives. He serves as clients' primary point of contact and partners with a team of specialists to assist in various aspects of their financial lives. Mike graduated from Brigham Young University with a Bachelor of Arts degree in Economics and a minor in Business Management. His professional background includes owning and managing a home improvement company and working as a Personal Banker for Bank of America, where he helped clients with their checking, savings, and credit needs. He joined Merrill in 2012. Mike holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He lives in Montgomery County with his wife and two children and is active in his church and community. Mike spent time living in Brazil from 2002 to 2004 and is fluent in Portuguese. Outside of work, he enjoys participating in sports such as flag football, camping, hiking, and is involved with the Boy Scouts of America.

Sharon Lewis is a financial advisor at Primerica Advisors with 22 years of industry experience and holds Series 63 and Series 65 credentials. She has worked with Primerica Advisors since 1996 and operates a separate business, Fiscal Pink, LLC, which publishes children’s books. Primerica Advisors is a large firm serving individual, corporate, and charitable clients through a wrap-fee asset management program that relies on model-delivery strategies managed by third-party asset managers, with discretionary separately managed account options and custodial support from Pershing.

Madelyn Simmons is a financial advisor at RBC Capital Markets with Series 63 and Series 65 designations and one year of industry experience. She has previously worked at Rothschild Capital Partners, GGM Wealth Advisors (now Waverly Advisors), and MAI Capital Management. Outside of finance, she has experience with Fresh Prints and spent several years involved with Maryvale Preparatory School. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile using a combination of in-house and third-party investment managers.

Maria Vitullo is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Before joining UBS in 2026, she had roles at Reunion Brewery and Bread Garden Market, as well as eight years at Butterfield Country Club. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients' goals and risk tolerances.

Nicholas Burda is a financial advisor with Morgan Stanley in Washington, DC, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, E*TRADE Capital Management, and The Vanguard Group. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that integrate both retail and institutional investment solutions.

Michele Bryceland is a Wealth Management Senior Relationship Manager at Fidelity Investments, a position she has held since 2024. In this role, she serves as the primary contact for clients, supporting families as they work toward their financial goals. She emphasizes providing superior customer service and keeping clients informed about available resources, new products, and innovations to enhance their experience. Prior to her current role, Michele has held various positions within the financial services industry, including Planning Consultant at Fidelity Investments from 2022 to 2024, Paraplanner at Bogart Wealth in 2021, and roles at Morgan Stanley and Raymond James spanning from 2017 to 2021. Her experience encompasses client service and financial planning support, contributing to her expertise in wealth management. Outside of her professional career, Michele has personal interests that include museums, outdoor adventures, pets, photography, running, and traveling.

Theodore Blanchard is a financial advisor at RBC Capital Markets in Chevy Chase, MD, with 22 years of industry experience. He holds Series 63 and Series 65 designations and has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies implemented through a mix of in-house and third-party investment managers and provides discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Michael Palazzo is a financial advisor with Wells Fargo Clearing in Bethesda, MD, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. He has been with Wells Fargo Clearing since 2017 and previously worked at Capital One Advisors, LLC and Capital One Investing, LLC from 2015 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is driven by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Pifer is a financial advisor at RBC Capital Markets with Series 66 and Series 63 credentials and two years of industry experience. Prior to joining RBC, he worked at T. Rowe Price and has held roles outside finance, including at Baltimore Tent Company and Dulaney Swim Club. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering customized investment strategies through various advisory programs and a combination of in-house and third-party managers.

Zoe Migliozzi is a financial advisor at Raymond James & Associates with four years of industry experience. She holds a Series 66 designation and has worked at Raymond James since 2022. Her prior roles include positions at TowneBank and the College of Charleston Center for Student Learning. 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—and offers financial planning and investment consulting through a range of portfolio management styles and affiliated research resources.