Philip Buchanan is a financial advisor with Cambridge Investment Research Advisors and holds Series 63 and Series 65 credentials. He has 30 years of industry experience, including roles at API Financial Planning Services and Benefit Watch LLC, where he is a partner. Buchanan also serves in the United States Army Reserve. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, employing a variety of portfolio management and model-based investment strategies.

Jillian Magiros is a Series 66-credentialed financial advisor with Morgan Stanley in Lutherville, MD, where she has worked since 2015. She has three years of industry experience. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services supported by structured discovery tools and investment modeling techniques.

David Demuth is a financial advisor with Equitable Advisors in Towson, MD, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. He has been with Equitable Advisors since 1999, previously affiliated with Axa Advisors. Outside of his advisory role, he serves on the Admissions Committee and Board of Governors for the Maryland Club. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach includes matching clients to appropriate program models or discretionary managers, utilizing third-party asset managers and LPL-sponsored advisory programs without sponsoring its own wrap fee program.

Rachel Corregan is a financial advisor with RBC Capital Markets in Baltimore, MD, holding a Series 66 designation and 12 years of industry experience. She worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated for nine years before joining RBC Capital Markets in 2021. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs, providing discretionary and non-discretionary portfolio management and financial planning tailored to each client’s Advisory Risk Profile.

Daniel Wheeler Jr. is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Grove Point Investments, H. Beck, Inc., and New York Life. Outside of his advisory work, he operates Wheeler Financial, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing various portfolio strategies and advisor-support tools.

Joshua Cramer is a financial advisor at OSAIC with 26 years of industry experience. He holds a Series 66 designation and has worked at Invest Financial Corporation and operated Cramer Financial Services since 1999. Outside of advising, he volunteers as a recreational league coach with the Freedom Area Recreation Council. OSAIC serves a broad range of retail and institutional clients through a large network of advisers, offering integrated brokerage and advisory services, financial planning, and access to managed portfolios and third-party investment platforms. The firm employs asset-allocation tools and supports both discretionary and non-discretionary account management.

Omoniyi Oyekoya is a financial advisor at Morgan Stanley in Baltimore, MD, with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Fidelity Investments, JPMorgan Chase & Co, Ameriprise Financial, and Walmart. Morgan Stanley Wealth Management offers advisory programs to individuals and institutions, providing tailored financial planning services supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial plans.

Timothy Schere is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. since 2015, and Morgan Stanley Smith Barney LLC since 2014. He is based in Baltimore, MD. Morgan Stanley Wealth Management (MSWM) serves both individual and institutional clients, offering a variety of advisory programs including 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 utilizing tools like Secular Return Estimates and Monte Carlo simulations.

Timothy Flynn is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked with Avantax Investment Services and Avantax Insurance Agency prior to joining Cetera. Outside of advising, Flynn is involved with Free State Tax Associates, where he provides tax preparation services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers portfolio management, financial planning, and access to various third-party managers through a multi-manager platform with discretionary and non-discretionary programs.

Nicole Kalinosky is a financial advisor at UBS Financial Services with 24 years of industry experience. She has been with UBS since 2009 and holds a Series 66 designation. Outside of her advisory role, she is involved with St. Stephen Roman Catholic Church and participates in providing Juice Plus+ products to interested individuals without solicitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Robert Dyer Sr. is a CFP® professional with over 42 years of experience in the financial services industry. He is currently with OSAIC and has previously worked at firms including Securities America Advisors, Investacorp Advisory Services, and Compass Financial Group. Outside of his advisory role, he is involved in life and health insurance sales and service and serves as co-trustee of a family member’s special needs trust. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to pension plans and charitable organizations, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs a variety of asset-allocation tools and third-party managed-account solutions to construct customized portfolios.

Todd Roop is a financial advisor with Morgan Stanley Wealth Management in Lutherville, MD, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include positions at Raymond James & Associates and BNY Mellon. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

Samuel Downs is a financial advisor with Equitable Advisors in Columbia, MD. He holds a Series 66 designation and has two years of industry experience. Prior to joining Equitable Advisors, he held roles at Idaho Falls Chukars, UMBC, Monrovia Mart, Food Lion, US Business Service, Stevenson University, and Linganore High School. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party solutions through a broad network of Investment Adviser Representatives.

Fatimah Hijjawi is a financial advisor at Morgan Stanley with seven years of industry experience. She holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018. Prior to her advisory career, she was affiliated with DePaul University for three years. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and proprietary tools to model outcomes, offering advisory support without individual security recommendations as part of standalone plans.

Shannon Bowerman is a financial professional with 10 years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and has worked at firms including Securian Capital of the Chesapeake and Minnesotal Life Insurance Company. Outside of her advisory role, she is a partner in a property management business. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, model portfolios, and access to third-party managers.

Philip Nazzaro is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management provides a broad range of 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 uses a structured planning process supported by proprietary tools and models.

James Gabarra is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and two years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2023 and has been self-employed as a consultant since 2018. Outside of advisory work, he has business activities involving sales of loan products and home-related services referrals. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-driven investment strategies with custody and trade execution supported by Pershing.

Joseph Cover is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has prior experience at Northwestern Mutual Investment Services, LLC. Outside of advising, he has worked in various roles including positions at Nacho Mamas, Towson University, and Bill's Seafood & Catering. 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 operational and research tools.

Robert Holland is a financial advisor at Equitable Advisors in Columbia, MD, holding a Series 66 designation. He joined Equitable Advisors in 2026 and has prior experience in the hospitality industry as well as entrepreneurial work with Unwind on the Water. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, retirement plan consulting, and asset management through a network of Investment Adviser Representatives, utilizing both firm-offered programs and third-party asset managers.

Griffin Siegfried is a financial advisor with Equitable Advisors in Columbia, MD, holding a Series 66 designation. He began his advisory career in 2026 and previously worked at The Witherspoon Group. Outside of finance, his background includes roles in the hospitality industry at establishments such as Macky's Bayside Bar & Grille and Mike's Crabhouse. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a broad client base, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and partners with third-party managers to deliver investment solutions.