Joseph Williams is a financial advisor with Ameriprise in Sparks, MD, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to joining Ameriprise in 2026, he worked at Raymond James Financial Services Advisors and Chesapeake Wealth Advisors. Outside of finance, he was involved with JTW Fitness LLC for eight years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning and tax-aware withdrawal strategies.

Ryan Gutowski is a CFP®-certified financial advisor with 12 years of industry experience, currently practicing at Wells Fargo Advisors since 2020. Prior to joining Wells Fargo, he worked at UBS Financial Services Inc for five years. He is the principal owner of Gutowski Wealth Management LLC and holds minority ownership interests in several other investment-related entities. Wells Fargo Advisors serves individuals, trusts, and institutional clients, offering a range of investment and financial planning services tailored to clients who meet net-worth thresholds. The firm’s approach includes using proprietary research and planning tools to develop customized recommendations across diverse planning areas.

Brandon O'Neill is a CFP®, ChFC®, and Series 66-registered financial advisor with Edward Jones, where he has worked since 2011. He has 15 years of industry experience. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients. The firm offers discretionary and non-discretionary investment strategies, access to separately managed accounts, and affiliated mutual funds, supported by an extensive network of financial advisors and branch offices nationwide.

Jennifer Wade is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at Morgan Stanley Smith Barney LLC since 2021 and previously spent 23 years at Merrill Lynch. Outside of her advisory role, she owns and operates a pressure washing business in Sykesville, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services supported by structured planning tools and a broad platform of investment offerings.

Edward Witherspoon is a CFP® professional with 30 years of industry experience, currently affiliated with Cetera. He has held roles at Holistic Private Wealth since 2014 and at Cetera Financial Specialists LLC and Cetera since 2012. He serves as a board member for the Al Cesky Scholarship Fund and Harford Community College. Cetera Investment Advisers LLC is an SEC-registered adviser that supports over 10,000 independent advisors, serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform and a variety of program options.

Peter Della Croce is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Bank of America, and Merrill. Outside of his advisory role, he is a committee member of The Myositis Association and serves as Chair of Leadership Development for The Arc of Howard County, a healthcare organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a broad range of advisory programs to individuals and institutions. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, utilizing structured discovery processes and firm-approved planning tools.

Marcus Harris is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2015. He brings over 20 years of experience in financial advising, having previously worked as a Financial Consultant at Fidelity from 2010 to 2015 and as a Financial Advisor at Morgan Stanley Smith Barney from 2004 to 2009. His professional focus includes investment council and retirement planning for affluent and high net worth investors. Marcus specializes in retirement planning, tax efficient investing, estate planning considerations, gifting strategies, Social Security, and asset preservation. He emphasizes clear communication with clients, aiming to provide collaborative guidance that is prudent and predictable. Outside of his professional work, Marcus has personal interests in biking, museums, reading, skiing, and traveling.

Robert Friedman is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, Friedman serves on the Maryland Board of Football Officials and works as a Game Day Assistant for the National Football League. Morgan Stanley Wealth Management offers a range of advisory programs for individuals and institutions, employing structured financial planning tools and investment models to deliver tailored advice. The firm manages approximately $2.74 trillion in client assets and provides services that include both direct individual plans and Corporate Financial Planning agreements.

David Kalvar is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market outlook models.

John Huynh is a financial advisor at Robert W. Baird & Co. with 28 years of industry experience. He holds a Series 66 designation and has been with Robert W. Baird & Co. since 2013. Outside of his advisory role, Huynh serves as a ski patrol member at Liberty Mountain Resort and is an investment committee member for the National Ski Patrol. He is part of the DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of investment strategies.

Carlos Fernandez is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. 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, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets.

Courtney Rodgers is a financial advisor with Merrill in Towson, MD, holding Series 63 and Series 66 credentials and bringing 17 years of industry experience. She has been with Merrill since 2011 and previously worked at Bank of America, N.A. for two years. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kemol Guy is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America N.A. and Exelon. 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, and institutional investors.

Christopher Maienshein is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with LPL Enterprise and has prior experience at Prudential Insurance Company of America, Pruco Securities, Park Ave Securities, and Guardian. Maienshein is also involved with NFI Financial Planning, a business offering both trading and non-trading financial services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and other institutional clients. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with services that include financial planning, access to asset managers, and participation in the Model Wealth Portfolios wrap program.

Jacob Puckett is a financial advisor at LPL Financial with four years of industry experience. He holds the Series 66 designation and has prior work experience with Restoration Presbyterian Church and Princeville Presbyterian Church. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, portfolio management, and institutional platforms to individuals, retirement plan participants, banks, and trust companies. The firm supports its network of over 22,800 advisors with a range of advisory and non-advisory financial services.

Brad Davis is a financial advisor with Ameriprise in Owings Mills, MD, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its predecessor firm since 2002. Outside of his advisory role, Davis is active in youth sports coaching, serving as head coach for a 12-and-under football team and coaching a boys’ 7th grade travel basketball team. Ameriprise provides retirement-income planning services targeting clients nearing or in retirement with significant investable assets. The firm employs a combination of research, modeling, and tax-efficient strategies to deliver customized recommendations, supported by a centralized retirement-income consulting team.

John Haley is a financial advisor with Ameriprise in Timonium, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, algorithm-assisted retirement advice, primarily for clients with assets held in Ameriprise Managed Accounts.

David Connolly is a CFA® charterholder with 28 years of experience in the financial industry. He has been with Robert W. Baird & Co. since 2014. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that advises a diverse client base including individuals, families, pensions, corporations, and charitable organizations. The group offers customized consulting and portfolio management services, utilizing both in-house and third-party managers to implement a range of traditional and non-traditional investment strategies.

Alan Becke is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and held positions at MetLife Securities Inc. and Metropolitan Life Insurance Company from 1992 to 2017. In addition to his advisory role, he is also an insurance agent specializing in life and health insurance. MML Investors Services, LLC, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations, using firm-approved software to analyze client goals and deliver written recommendations.