Seth Hammer is a financial advisor at LPL Financial with 19 years of industry experience. He holds a Series 66 designation and previously worked at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. Additionally, he is a certified public accountant and has been a faculty member at Towson University since 1994. 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 broad range of financial planning, advisory programs, and retirement consulting services, utilizing model portfolios and research from multiple sources.

Rashid Afzal is a financial advisor at Morgan Stanley in Baltimore, MD, with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2006. Afzal serves on the Board of Education for the Al Rahmah School, a nursery through middle school in Baltimore. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and offers diverse investment products and services through both direct and corporate channels.

Kristina Jackson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her prior work history includes positions at Bank of America and PayPal. Outside of her advisory role, she provides guest services for sports facilities and events through a for-profit entity in Baltimore. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via 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.

Tyler Thomas is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation. His prior work includes roles in education and hospitality. Equitable Advisors serves a broad mix of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying heavily on LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Joseph Juras is a financial advisor with Wells Fargo Clearing in Ellicott City, MD, holding Series 63 and Series 65 licenses and having 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. He also serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Liliana Maes is a financial advisor with LPL Financial in Nottingham, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. Her prior roles include positions at M&T Bank, JP Morgan Chase Bank, AXA Advisors, and Mass Mutual. 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 and financial planning services supported by in-house and third-party research, with both discretionary and non-discretionary management options.

Ryan Pollard is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 63 and Series 65 registrations and has worked at firms including Valic Financial Advisors, Agia, Lincoln Financial Advisors Corporation, and OSAIC. In addition to his advisory work, he offers fixed annuities, fixed indexed/equity annuities, and long-term care insurance. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from internal and third-party sources.

Matthew Cramer is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked at Long Fence Company for seven years and held positions at McDaniel College and Dicks Sporting Goods. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of investment strategies and advisory services through a large network of financial advisors and branch offices. The firm manages approximately $1.01 trillion in assets and operates under a fiduciary standard.

Thomas Black is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He previously worked at Brown Advisory Securities LLC and Morgan Stanley Smith Barney LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers these services alongside affiliated brokerage, distribution, and investment management capabilities.

James Gibson is a CFP® with 25 years of industry experience and has been with UBS Financial Services since 2010. Based in Baltimore, MD, he holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a trustee for a family trust. UBS Financial Services serves individual, corporate, and institutional clients by providing a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Laura Van Wagenberg is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 and Series 63 designations and has worked at Merrill since 2010 and Bank of America since 2011. 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. The firm offers model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jeffrey Ring is a financial advisor with Equitable Advisors in Pikesville, MD, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors. Outside of his advisory work, he assists with his local condominium association and serves as power of attorney and estate executor for a family member. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Nathan Chen is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and three years of industry experience. He has previously worked at JPMorgan Chase Bank, J.P. Morgan Securities, and Raymond James & Associates. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory to serve its clients.

Allie Gamble Taylor is a financial advisor with LPL Financial, holding the Series 66 designation and bringing 17 years of industry experience. Her prior roles include positions at Raymond James Financial Services Advisors Inc. and Janney Montgomery Scott. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brenna Baim is a financial advisor with LPL Financial in Owings Mills, MD, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining LPL Financial, she held various roles in education and hospitality, including positions at the University of Maryland Baltimore County and several restaurants. LPL Financial is a national 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, and retirement plan consulting, utilizing model portfolios, research, and technology to support its investment management.

Michael Kilduff is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Baltimore-Washington Financial Advisors. He was also involved with Manor Renovations from 2022 to 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jonathan Dickey is a financial advisor with Raymond James Financial Services, INC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of advising, he is involved in agricultural operations as an owner of family farms, serves on the board of a nonprofit horse rescue organization, and is a director on the board of Harbor Bank of Maryland. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports advisory programs and institutional consulting through a large advisor network.

Larry Bloomer is a financial advisor with LPL Financial in Baltimore, MD. He holds Series 63 and Series 65 credentials and has 39 years of industry experience, including tenure at M&T Securities since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and various management options.

Sharrel Hohman is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, following a tenure at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Secular Return Estimates and Monte Carlo simulations.

Kelly Granger is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and nine years of industry experience. She has been with Morgan Stanley since 2016 and has worked at Morgan Stanley Private Bank, N.A. since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both 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 firm-approved tools and methodologies.