Winnie Gebreyesus is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 license and 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is the sole proprietor of an online retail business in Baltimore, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, serving clients through both direct and corporate agreements.

Alexander Mairone is a financial advisor at Merrill with 12 years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2012 and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Alison Sagi is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Merrill from 2018 to 2025 and spent six years at Johns Hopkins University prior to entering the financial sector. Sagi holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and employs structured financial planning tools, managing approximately $2.74 trillion in client assets.

Benjamin Hoffman is a financial advisor at Ameriprise with 25 years of industry experience. He has been with Ameriprise and its affiliates since 2006. Outside of his advisory work, he is a part-owner of a sports memorabilia business and is involved in managing business operations through his own LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning services that focus on dependable income sources and tax-aware withdrawal strategies for clients approaching or in retirement.

David Hicks is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at firms including Triad Advisors and OSAIC before joining Cetera in 2025. Outside of his advisory role, Hicks is a partner in a joint venture managing apartment rentals and serves as president of his own business entity. Cetera Investment Advisers LLC operates as a large multi-manager platform serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services and supports advisors with multiple program and custodial options.

Michael Stein is a financial advisor at Merrill with 26 years of industry experience. He holds the Series 65, Series 63, and Series 66 licenses and has worked at firms including T Rowe Price and PNC Bank. He serves as trustee for the Harry Curland Irrevocable Trust, overseeing distributions and tax filings. 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 institutions.

Darin Roser is a Series 66-licensed financial advisor with Robert W. Baird & Co. Inc. in Towson, MD, where he has worked since 2009. He has 22 years of industry experience. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a broad range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by internal research and tools.

Darius Lynch is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and one year of industry experience. He previously worked at T. Rowe Price and Morgan Stanley. Outside of finance, he works as a bartender at Outback Steakhouse. 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.

Timothy Kelbaugh is a CFP® professional with 27 years of experience in the financial services industry. He has worked at Wells Fargo Clearing since 2016 and previously held roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Sarah Rosenthal is a Senior Portfolio Advisor and Financial Advisor at Merrill Lynch Wealth Management. She works closely with Gen X and Millennial families, women, business owners, and families with special needs loved ones to navigate complex financial decisions and create personalized wealth strategies aligned with their goals and values. With experience as a former small business owner and financial advisor, Sarah understands the unique challenges and opportunities in building financial security. She holds professional designations including Certified Financial Planner (CFP), Chartered Special Needs Consultant (ChSNC), and Personal Investment Advisor (PIA). She earned her bachelor's degree from Towson University and also attended Goucher College. Sarah is involved in professional and community organizations such as the Baltimore Estate Planning Council, Girl Scouts of Central Maryland, Itineris Baltimore, Cavalier Rescue USA, and Red Cross of Central Maryland. Outside of work, she enjoys hiking, knitting and crocheting, reading, spending time with her family, and watching movies.

James Duffy IV is a CFP® with 21 years of industry experience, currently affiliated with LPL Enterprise since 2024. His prior experience includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, where he worked from 2006 to 2024, as well as a position at Morgan Stanley Dw Inc. from 2005 to 2006. He is involved with Frame Wealth Partners, a business focused on comprehensive financial planning and the sale of insurance and investment-related products. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm emphasizes model-driven investment implementation, financial planning, and access to third-party asset managers and model portfolios.

Luke Schmitz is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he assists clients and their families in building financial plans tailored to their unique situations. Prior to this, he worked as a Financial Representative at Fidelity Investments in 2024. Luke focuses on developing strategies that align with his clients' goals, emphasizing a process built around trust and meaningful relationships. His approach is informed by his interest in finance, planning, and client engagement. Outside of his professional responsibilities, Luke has personal interests that include cars, fitness, golf, pets, and traveling.

Shari Winkelman is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Judith Specht is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Wells Fargo Advisors since 2015. Wells Fargo Advisors serves individuals, trusts, and institutional clients by providing investment and financial planning services that address a broad range of needs, including retirement, education, risk management, and specialized areas such as business-owner and special-needs planning. The firm employs Wells Fargo research and planning tools to develop tailored recommendations delivered through client meetings and summary letters.

Garrett Atkins is a Series 66 licensed financial advisor at Equitable Advisors with three years of industry experience. He has been with Equitable Advisors since 2023 and previously spent time at the University of Alabama. Equitable Advisors serves a diverse client base including individuals of varying wealth levels, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs, utilizing both proprietary and third-party investment solutions.

Andrew Heird is a Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 2019 and has been working in the financial services industry since 2017. In his role, Andrew focuses on wealth planning and client development, assisting clients with liquidity management, managing new wealth, and personal retirement planning. Andrew earned a bachelor's degree in Business, Organizations, and Society from Franklin and Marshall College in 2016. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ certification awarded by the College For Financial Planning. He also holds the Personal Investment Advisor (PIA) designation. Andrew lives in York, Pennsylvania, with his wife Bria, son Theodore, and their dog Russell. Outside of his professional responsibilities, he enjoys activities such as boating, fishing, football, golfing, hiking, hunting, scuba diving, and skiing.

James Rong is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. His prior work includes roles at Bank of America, William Blair, and Maximus. 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 individual and institutional clients.

Heather Sommerfield is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise since 2009, including six years with Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Ameriprise Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Tyler Marner is a financial advisor at Merrill with Series 63 and Series 66 licenses. He has been with Merrill since 2026 and has prior experience at Bank of America, JPMorgan Chase Bank, T. Rowe Price, and other organizations. Outside of finance, he has been involved with Anarchy Gym since 2020. 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 range of clients including individuals, high-net-worth clients, and institutions.

Jennifer Astasauskas Glatz is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 66 and Series 63 licenses. She has five years of industry experience, including prior roles at Merrill and Bank of America Investment Services. Morgan Stanley Wealth Management offers a wide range of advisory services to individuals and institutional clients, focusing on tailored financial planning through structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning programs.