James Ramirez is a financial advisor with LPL Financial in Towson, MD, holding Series 63, Series 65, and Series 66 credentials and 12 years of industry experience. His prior work includes roles at M&T Bank, MassMutual Life Insurance Co., Berkshire Hathaway Home Services, Long & Foster, and Kline Capital Management LLC. Outside of his advisory work, he has served as a soccer referee since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Mark Liguori is a financial advisor at Raymond James Financial with 12 years of industry experience. He previously worked at Edward Jones for five years before joining Raymond James in 2019. He is the CEO of Liguori Financial LLC, a separate business entity. Raymond James Financial Services Advisors, Inc. serves a broad client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation analysis and firm research to develop tailored financial plans.

Michael Bowden is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. Prior to that, he was with Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm uses structured planning tools and investment committee insights to support its advisory services.

Michelle Mullinix is a financial advisor with OSAIC holding a Series 66 designation and 10 years of industry experience. She previously worked for Lincoln Financial Advisors Corporation for nine years before joining OSAIC in 2025. Mullinix also provides client and account support as a registered assistant with Fuchs Financial, Inc. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate investors through a large network of affiliated advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services, retirement plan consulting, unified managed accounts, and access to multiple third-party money managers and wrap programs.

Sean Buoye is a financial advisor at Edward Jones in Timonium, MD, with 12 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies, including tax-efficient services and proprietary mutual funds, operating under a fiduciary standard.

Katherine Michaud is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 license with three years of industry experience. She previously worked at RBC Capital Markets and has been involved in community and academic roles, including positions at the Basilica National Shrine of the Immaculate Conception and Catholic University of America. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of advisory and brokerage capacities.

Daniel Otakie is a Senior Financial Advisor at Merrill Lynch Wealth Management. In his role, he partners with clients, including affluent families, professionals, and business owners, to provide goals-based wealth management and retirement planning strategies. Working alongside his business partner and a team of specialists, he delivers customized advice and a disciplined investing approach to help clients optimize their financial resources. Since entering the financial services industry in 2005 and joining Merrill in 2008, Daniel has developed expertise in areas such as college education planning, divorce transition planning, defined benefit and contribution plans, personal retirement planning, portfolio management, and retirement income. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Daniel earned a bachelor's degree in Economics from the University of Maryland. Outside of his professional work, Daniel has been involved with the American Heart Association as a Fundraising Coordinator and Team Coach from 2009 to 2020. He also enjoys hiking, music, reading, and watching movies.

Jason Hicks is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Wells Fargo Bank, Merrill, and Bank of America. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process with firm-approved tools and modeling techniques.

Christopher Krabbe is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2020. Prior to his advisory role, his background includes positions at Enterprise Rent-A-Car and involvement with the Five Oaks Swim Club. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

James Arey III is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with Primerica Advisors and Primerica Financial Services since 2005 and concurrently with Northrop Grumman Corporation since 2004. Outside of his advisory role, he is the owner of Game On, Inc. and serves as a field manager for the Kickball League of Baltimore. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-based strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm employs a tiered wrap-fee structure and curates third-party asset managers, using BNY Mellon Advisors for model implementation and Pershing and Primerica Brokerage Services for custody and trade execution.

Michael Lentz is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 16 years of industry experience. His prior roles include positions at Pruco Securities LLC, The Prudential Insurance Company of America, and M&T Securities, Inc. In addition to his advisory work, he operates a snow removal business during winter months. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, supporting both discretionary and non-discretionary management with access to model portfolios, third-party research, and diverse investment strategies.

Gary Wright is a financial advisor with LPL Financial based in Catonsville, MD. He holds a Series 66 designation and has 12 years of industry experience. Prior to joining LPL Financial, Wright worked for Janney Montgomery Scott for 14 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, with both discretionary and non-discretionary management options.

Michael Johnson is a Certified Financial Planner (CFP®) with 28 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management department, which serves individuals including high net worth clients, corporate and business clients, pensions and profit-sharing plans, and charitable organizations. The firm offers a variety of financial planning and portfolio management services, leveraging internal research and external partnerships across a range of investment strategies.

Eric Kovacic is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its offering.

Jeffrey Black is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been associated with Cambridge since 2007 and also serves as president of The Legacy Group, Inc., which provides consulting services to nonprofits. Outside of advisory work, he operates as an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent professionals, utilizing proprietary and third-party strategies tailored to client objectives across multiple custody platforms.

Fred Crozier is a financial advisor with Raymond James & Associates in Baltimore, MD, holding Series 63 and Series 65 credentials and possessing 40 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm serves a diverse client base including individuals, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting through non-discretionary, comprehensive financial planning and firm-sponsored investment programs.

Jesse Leblanc is a Financial Advisor at Merrill Lynch Wealth Management, focusing on wealth management for sports and entertainment professionals. He specializes in tailoring financial planning and portfolio strategies to athletes, entertainers, and other professionals in these fields. His expertise includes investment advice and financial planning for athletes and entertainers, art financing and custom lending through Bank of America, employer benefits and retirement plan consulting, Rule 144 executive and equity services, and 1031 exchanges involving replacement property alternatives. Jesse holds multiple professional designations including Accredited Portfolio Management Advisor (APMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered SRI Counselor (CSRIC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's Degree from the State University of New York. Jesse is active in professional organizations such as Maryland Nonprofits and US SIF: The Forum for Sustainable and Responsible Investment. He also dedicates time to community involvement through volunteering with Business Volunteers Maryland and World Relief. Outside of work, Jesse enjoys golfing, music, reading, and running.

Alpha Korngor is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and bringing 13 years of industry experience. He has worked at Morgan Stanley since 2018 and previously at Merrill from 2011 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, managing approximately $2.74 trillion in client assets through tailored financial planning and a broad range of advisory programs. The firm employs a structured planning process using firm-approved tools and offers diverse investment and institutional services.

Ndamzi Lumati is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and seven years of industry experience. He has worked at Wells Fargo Clearing Services, LLC since 2018 and Wells Fargo Bank NA since 2014. Outside of finance, Lumati serves as an office administrator for a healthcare staffing company and has self-published books on personal empowerment. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is based on investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Mark Kutz is a financial advisor at Cetera with 37 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with Cetera and its affiliates since 2016. Prior to that, he was with Investors Capital Corp. for 21 years. In addition to his advisory role, he is an insurance agent specializing in life, health, annuities, long-term care, and property and casualty insurance. Cetera Investment Advisers LLC serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.