Patrick Chairs is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and nine years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC, among other firms. Outside of his advisory role, he is involved with Clarity Wealth Management, a DBA for his LPL business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to affiliated trust custody, insurance products, and a collateralized lending program.

Robert Symonds is a CFP® with 18 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Lincoln Financial Advisors and Osaic FA, Inc. Outside of his advisory work, he manages personal business entities for tax and investment purposes. 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, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Michael Case is a financial advisor with LPL Financial in Baltimore, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 13 years of industry experience, including eight years at Northwestern Mutual Wealth Management Company and related entities. Outside of his advisory role, he is involved with MAC84, Inc., a business entity established for non-investment purposes. 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 financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Oliver Arnold is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 17 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, corporate, and charitable entities. The firm employs a model-driven investment approach with access to third-party asset managers and offers services including financial planning, consulting, and insurance product sales through affiliated entities.

Anne Fink is a financial advisor at Morgan Stanley with 44 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Fink serves as a trustee and co-trustee for several trusts and is a member of the investment committee for the Baltimore Hebrew Congregation, overseeing the performance of their investments. Morgan Stanley Wealth Management offers a wide range of advisory programs for both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual relationships and corporate financial planning agreements.

James Ramirez is a financial advisor with LPL Financial and holds Series 63, 65, and 66 credentials. He has 13 years of industry experience and has previously worked at firms including M&T Bank, MassMutual Life Insurance, 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 a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset managers, and supports its network of over 22,800 advisors with research and technology tools.

Mark Liguori is a financial advisor with Raymond James Financial in Towson, MD, holding a Series 66 designation and bringing 12 years of industry experience. He previously worked at Edward Jones for five years before joining Raymond James and Armory Financial in 2019. Liguori is also the CEO of Liguori Financial LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional entities. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and has specialized municipal and public finance advisory capabilities.

Michelle Mullinix is a financial advisor with OSAIC in Parkville, MD, holding a Series 66 designation and bringing 10 years of industry experience. Prior to joining OSAIC in 2025, she spent nine years at Lincoln Financial Advisors Corporation. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach with portfolio optimization and access to third-party managers, distinguished by its scale and complex affiliate network.

Nicholas Bonomolo is a financial advisor with Mass Mutual Investors Services, holding Series 66 and Series 63 licenses and bringing 11 years of industry experience. He previously worked with MetLife Securities and has been with Mass Mutual and its affiliates since 2016. Outside of his advisory role, he is the owner of Bonomolo Planning, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, goal-based planning without discretionary investment authority.

Sean Buoye is a Series 66–licensed financial advisor with Edward Jones in Timonium, MD, where he has 13 years of experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates with a nationwide network of over 23,000 financial advisors and 15,000 branch offices.

Katherine Michaud is a financial advisor at Morgan Stanley in Baltimore, MD, holding a Series 66 designation with three years of industry experience. She previously worked at RBC Capital Markets and has experience outside finance, including roles at Birdies Snack Shack and the Basilica National Shrine of the Immaculate Conception. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients, offering a range of advisory programs and tailored financial planning services.

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.

Brandon Hoppenstein is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Bank of America, Ledyard Law LLC, and various roles at Towson University. He has also been involved in entrepreneurial ventures such as Joe Blow Tees and Papi's Tacos. 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.

Jason Hicks is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Wells Fargo Bank, Bank of America, and Merrill Lynch. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm employs a structured planning process supported by proprietary tools and offers both direct and employer-linked financial plans, managing approximately $2.74 trillion in client assets.

Michael Lentz is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 66 licenses and 17 years of industry experience. His prior roles include positions at Pruco Securities LLC, The Prudential Insurance Company of America, M & T Securities, Inc., and MSI Financial Services, Inc. Outside of his advisory work, he is involved in snow removal services during winter months. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies across various asset classes.

Gary Wright is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. He worked at Janney Montgomery Scott for a decade before joining LPL Financial and operating Retirement & Investment Group LLC, a related entity. 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, including financial planning and model portfolio programs, supported by technology tools and a large network of advisors.

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.

Jeffrey Black is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 38 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2007 and serves as president of The Legacy Group, Inc., a consulting firm that provides services to nonprofits outside of financial planning and investments. Additionally, he is an independent insurance agent for various insurance companies. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through thousands of financial professionals and manages assets on multiple platforms and custodians.

Zachary Claypool is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63 and Series 66 registrations and has been with Merrill since 2016. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kyle Golley is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. His prior work history includes roles at Northwestern Mutual, Redners, OS Restaurant Services, and other companies across various sectors. 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.