Scott McIntyre is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes roles at Equity Fund Advisors and Cole Capital Corporation. Outside of advising, he is involved in volunteer youth wrestling and operates as an independent insurance agent and tax preparer. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement plan advisory services. The firm supports a range of investment approaches through various platform arrangements and offers both proprietary and third-party strategies.

Kevin Kavanagh is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 49 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory approach is IPS-driven, incorporates modern portfolio theory, and includes a broader range of financial product options than typical large institutional advisers.

Connor Respass is a financial advisor at Merrill with Series 66 and Series 63 credentials. He has held roles at Merrill since 2026 and previously worked at T Rowe Price from 2024 to 2026. Outside of his advisory work, he has been involved with educational institutions including the University of Maryland Global Campus and McDaniel College. 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, offering model-based and discretionary strategies for a range of individual and institutional investors.

Matthew Kunkel is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds the CFP® and Series 66 designations and has been with RBC Capital Markets LLC since 2008. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client's risk profile.

Jonathan Kalu is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individual and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Laura Diamond is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011 and has 18 years of experience with Meadowbrook Pool outside of her advisory role. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor strategies to clients’ goals and risk tolerances.

Frederick Casper Jr. is a financial advisor with Ameriprise, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory work, he owns a retail business called FCE Imaging in New Market, Maryland. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets, providing written, non-discretionary recommendation reports focused on income sources, Social Security strategies, and tax-efficient withdrawals. The firm combines research, modeling, and automated tools overseen by committees to support advisors in delivering tailored retirement income advice.

Shawn Halsey is a financial advisor with Morgan Stanley, holding a Series 66 designation and 24 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, and previously spent 12 years with Bank of America and Merrill. Outside of his advisory role, he serves on the Investment Committee as a board member at York College of Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Joseph O’Rourke is a CFP®-certified financial advisor with seven years of industry experience. He is currently with LPL Financial, having joined in 2026, and previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA from 2019 to 2026. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Joel Cohn is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and formerly at Citigroup Global Markets. Outside of his advisory role, he serves as a board member of Beth Tfiloh Synagogue, engaging in fundraising activities. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and advisory programs, managing approximately $2.74 trillion in client assets.

Kyle Tosh is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Enterprise. His prior experience includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Tosh serves as a board member of the Rising Sun Chamber of Commerce, contributing to community activities and event planning. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model portfolios, third-party asset management, and brokerage and insurance product access via an integrated platform combining adviser programs with product sales.

Zachary Mccaskill is a financial advisor with UBS Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley from 2015 to 2022 before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, including capital markets operations and affiliated banking programs.

Thomas Palm Sr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include eight years at Cetera Advisors LLC and 47 years operating his own firm, Thomas J Palm. He is also involved in tax preparation and accounting through Thomas J Palm, PA in Baltimore. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs supported by proprietary and third-party research, as well as various portfolio management and technological solutions.

Silvia Tergas is a financial advisor with LPL Enterprise, holding a Series 66 designation and 15 years of industry experience. She has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm combines advisory services with brokerage and insurance products through an integrated platform.

Robert Stankowski is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 registrations. Prior to joining LPL Financial in 2025, he worked at Grove Point Advisors, LLC and Grove Point Investments, LLC from 2009 to 2025. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Aaron Schmerling is a financial advisor with LPL Enterprise based in Cockeysville, MD. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Steerpath Wealth, an investment-related business associated with LPL. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory, and brokerage services through an integrated platform that combines adviser programs with a range of financial products.

Regis Breen is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Heritage Consultants. Outside of his advisory role, Breen serves as Vice President of Business Development at Brad Schwartz Wealth Management LLC and occasionally speaks to graduating students at Towson University about entering the workforce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines proprietary research and algorithmic tools to deliver tailored, tax-aware retirement advice within a defined investment framework.

Jeffrey Wasserman is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling techniques.

Winnie Gebreyesus is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 license and 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is the sole proprietor of an online retail business in Baltimore, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, serving clients through both direct and corporate agreements.

Benjamin Hoffman is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise since 2009, including six years at Ameriprise Financial Services, LLC. Outside of his advisory role, Hoffman holds a 10% ownership in a sports memorabilia business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.