Kayla Kastner is a financial advisor at UBS Financial Services in Baltimore, MD, holding a Series 66 designation with two years of industry experience. She previously worked at Edelman Financial Engines for four years and has additional experience in mortgage services and healthcare. 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 employs proprietary research and model-based asset allocations to tailor financial plans aligned with clients’ goals and risk tolerances.

Stacey Hampton is a financial advisor with Primerica Advisors in Owings Mills, MD, holding Series 63 and Series 65 licenses and eight years of industry experience. Her work history includes roles at Healthcare Access Maryland and PFSI Investment Inc., alongside her ongoing tenure with Primerica Financial Services. Outside of her advisory work, she serves as a clinical supervisor for All Walks of Life in Baltimore. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while utilizing a tiered wrap-fee structure.

Kelly Alcala is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 27 years of industry experience. She has worked with various Morgan Stanley entities since 2006, including Morgan Stanley Smith Barney LLC from 2009 to the present. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets, and utilizes structured planning tools and analysis as part of its financial planning process.

Mitchell Ford is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank since 2015, with prior experience at Citigroup Global Markets and Legg Mason Wood Walker. Outside of his financial career, he is involved with Words of the Prophets, a cultural tribute to Rush, where he serves as a drummer. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning supported by structured discovery conversations and firm-approved tools, managing approximately $2.74 trillion in client assets.

Jeffrey Carlson is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he serves as president of Nexus Group, Inc., a legal entity through which his staff is employed. Ameriprise provides a retirement-income planning service targeted at clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency strategies to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Charles Hurtt is a financial advisor with Ameriprise in Lutherville, MD, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wells Fargo Advisors. Outside of his advisory role, Hurtt is involved in tax preparation through business ownership. Ameriprise is an institutional firm that offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.

Gonzalo Pizarro is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 15 years of industry experience. He previously worked at HSBC Bank USA N.A. and HSBC Securities (USA) Inc. for nine years. Outside of his advisory role, he coaches youth soccer for MD Fusion Soccer, an educational-athletic organization. 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 manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

John Kunisch is a financial advisor with Fidelity Investments based in Columbia, MD. He holds Series 63 and Series 66 designations and has one year of industry experience. Prior to joining Fidelity, he worked at W&S Brokerage Services, Western and Southern Life, and Spark Investments LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Anthony Patti Jr. is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to joining LPL Enterprise, he held various roles including positions at Papa John’s and Target. Outside of advising, he is involved in non-variable insurance and serves as a notary in Baltimore County, Maryland. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities through a network of investment adviser representatives. The firm’s investment approach is model-driven, offering access to third-party asset managers and a wrap program, and it also facilitates insurance product sales through affiliated entities.

Michael Heigh Jr. is a financial advisor at Edward Jones in Columbia, MD, holding a Series 66 designation with nine years of industry experience. He has worked at Edward Jones since 2016 and previously spent two years at Bank of America. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Alex Kongkraphun is a financial advisor with Raymond James & Associates, holding a Series 66 license and bringing 24 years of industry experience. He has been with Raymond James & Associates since 2016. Outside of his advisory role, he serves as a soccer referee and coach on a grassroots level. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base including individuals, institutional and pension plans, and charitable organizations, offering financial planning and consulting services with an array of portfolio management styles and affiliated research.

Zachary Scott is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2021, he worked at NewDay Financial LLC and RagingBull.com LLC. Outside of his advisory role, he provides personal in-home support for individuals with disabilities through The Arc of Central Chesapeake Region and coaches high school baseball in Howard County. 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 access to model portfolios and third-party asset management, supported by advanced research and operational tools.

David Kelley is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 1999. Outside of his advisory work, he manages a rental property in Towson, Maryland. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage with access to alternative investments and multi-asset model portfolios.

Richard Welsh is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including UBS Financial Services, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Welsh also operates under the DBA Welsh Financial Group. 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 portfolio programs, and institutional platforms, supported by extensive technology and a large network of advisors.

Marcus Aiello is a CFP® with 18 years of industry experience and has been with Raymond James & Associates for the past 10 years. He is based in Hunt Valley, MD, and holds the Series 66 designation. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Scott Taylor is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with MassMutual and MML Investors Services since 2001. Outside of his advisory role, Taylor serves on the board of the Maryland Motor Truck Association and is involved in the sale of various insurance products. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, goal-focused planning supported by a range of analytical tools.

Paul Gladkowski is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and bringing 22 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2014, including his current role at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides tailored planning primarily in an advisory capacity.

Brian Sigwart is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding the CFP® designation and Series 63 and 65 licenses. He has 18 years of industry experience, including prior roles at Metlife Securities Inc. and MassMutual Life Insurance Co. Outside of his advisory work, he is involved in a solar micro-grid venture through Buzzard Bolts LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, offering collaborative annual planning engagements that utilize firm-approved software and tools to analyze client goals.

Matthew Alton is a financial advisor at OSAIC with two years of industry experience and holds the Series 66 designation. His prior work includes roles in the restaurant industry as well as academic and service positions. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios and supports various advisory platforms and legacy program transitions.

Steven Young is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Bank of America and Merrill Lynch. Young is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, offering financial planning through structured discovery conversations and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and includes various investment products and strategies in its offerings.