Karl Porter is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management, affiliated with The Pearce Group. He has been with Merrill since 1998 and previously worked with Morgan Stanley and Dean Witter. Karl holds professional designations including Certified Investment Management Analyst (CIMA), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is also a member of The Investments & Wealth Institute™ and the National Association of Plan Advisors (NAPA). Karl's expertise encompasses family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. He has extensive experience also from an earlier career in the real estate industry. He earned a Bachelor's degree from College of the Atlantic and attended Boston University. Additionally, Karl has worked as a researcher for The Smithsonian Institution. Outside of his professional work, his personal interests include boating, fishing, football, reading, scuba diving, spending time with his family, and traveling.

Joshua Mikolowsky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. His prior experience includes roles at Bank of America and Merrill Lynch. He is based in Hunt Valley, MD. Raymond James & Associates is a large 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 consulting with a non-discretionary approach supported by various portfolio management styles and affiliated research.

Khloe Adams is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at T. Rowe Price for three years and has held roles outside finance, including positions at Under Armour, Stevenson University, and Tiki Lee's Dock Bar. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and customized financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services that include coordinated planning conversations and scenario modeling.

Erik Barrueto is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Debra Press is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Her previous roles include positions at Bank of America, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of her advisory work, she owns an eBay retail business specializing in household items, shoes, and collectibles. 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 institutional investors.

Brenden Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He previously worked at Morgan Stanley for four years before joining Wells Fargo in 2016. Outside of his advisory work, he writes and records music. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm utilizes research and analytics to support diversified investment strategies and offers both brokerage and advisory solutions.

Candido Palting III is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney since 2009, currently working at Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and risk modeling techniques.

Aaron Kelly is a CFP®-designated financial advisor with 11 years of industry experience. He is currently with LPL Financial, having joined in 2024 after nine years at Lincoln Financial Advisors Corporation. 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 range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Timothy Cerny is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior work includes over two decades at Guardian Life Insurance. He is also involved in selling non-variable insurance products through several providers. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced operational tools.

Shane Smith is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior roles include positions at Bethesda Wealth Planning Group and Georgetown Financial Group, as well as work in construction and education. He has also been affiliated with the University of Maryland for four years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs.

Joshua Ernest is a financial advisor at J.P. Morgan Securities with 8 years of industry experience and holds the Series 66 designation. Prior to joining his current firm in 2023, he worked at Bank of America and Merrill from 2014 to 2022. Outside of his advisory role, he is the owner and partner of Reefer Madness, LLC, a business involved in the sale of live coral reef animals. J.P. Morgan Securities provides institutional consulting to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and may include ESG considerations, with implementation support from affiliated investment management entities.

Tendai Mubagwe is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Tendai worked at NIH Federal Credit Union and Premier Bank, among other roles. Outside of finance, Tendai is the founder and business manager of an online venture, DigitalMarketingbyT, which offers digital product templates and customizable gift items. 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 diverse client base including individuals, high-net-worth clients, and institutions.

Dale Harris is a financial advisor at Stifel with Series 63 and Series 65 licenses and three years of industry experience. He has held various roles prior to joining Stifel, including positions in education and small business. He is also Co-Head of the Finance Committee for The Albert Cesky Scholarship Fund, a nonprofit providing college scholarships to student athletes in Harford County. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies developed by its Investment Strategy Group and includes comprehensive financial planning solutions.

Christopher Hutson is a Series 66-licensed financial advisor with Morgan Stanley in Baltimore, MD, with three years of industry experience. His prior work includes roles at Morgan Stanley Smith Barney LLC and involvement with various organizations such as SemaConnect Inc and Towson University. Outside of his advisory role, Hutson is co-founder of Moments Captured LLC, an art and culture venture, and a partner at Afternoon Delight LLC, an online retail business. Morgan Stanley Wealth Management provides a range of advisory programs serving both individual and institutional clients, utilizing structured financial planning tools and offering investment services through its extensive network of advisors.

Jacqueline Jones is a Series 65-licensed financial advisor with 30 years of industry experience. She is currently with Cetera and Cetera Wealth Services, LLC, having joined in 2024, and previously worked with Mass Mutual Investors Services and Massachusetts Mutual Life Insurance Co. Jones is also active as a financial advisor at Kinnect Advisors and holds a role as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with various program options and custodial relationships.

Tasha Williams is a financial advisor at LPL Financial with 20 years of industry experience. She holds the CFP®, ChFC®, and Series 66 designations. Prior to joining LPL Financial, she spent two decades at Northwestern Mutual Investment Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

William Nicklas is a financial advisor at Merrill holding Series 66 and Series 63 licenses. He has been with Merrill and Bank of America since 2026 and previously worked at T. Rowe Price. Outside of finance, he has been involved in various educational roles and runs a self-employed dogsitting business. 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 institutional accounts.

Matthew Roberts is a financial advisor at Merrill with 8 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2008. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Holly Tilford is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 65 licenses and having 29 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 12 years at Citigroup Global Markets. Tilford serves on the Investment Committee of the Thomas J O’Neill Catholic Health Care Fund. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutions. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets.

Wendy Franklin Bayley is a financial advisor at Morgan Stanley with 12 years of industry experience. She holds Series 66 and Series 63 designations and has worked at several firms including ClearPlan Wealth Management, Raymond James Financial Services, Marks Wealth Management, and Wells Fargo Clearing Services. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and modeling techniques.