Ricardo Suarez is a financial advisor at Morgan Stanley with five years of industry experience. He has previously worked at Wells Fargo Clearing, Wells Fargo Bank, Goldman Sachs, and Bank of America. Suarez holds Series 65 and Series 63 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm employs a structured planning process supported by advanced analytical tools and manages approximately $2.74 trillion in client assets.

Terri Jones is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has worked with Merrill since 2016 and is also employed by Bank of America, N.A. since 2017. Outside of her advisory role, she serves as a board member for the Maryland SPCA, contributing to the development committee focused on donor relations. Merrill provides managed account services through its affiliate Managed Account Advisors LLC, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has worked at LPL Financial since 2018 and previously spent nine years at INVEST Financial Corp. He is also the owner of Livingston Tax Solutions, which provides tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Synquai Johnson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Johnson held positions at Amazon and various other companies, and has been affiliated with the University of Phoenix since 2023. 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 a range of model-based and discretionary investment strategies serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Massey is a financial advisor at Raymond James & Associates with one year of industry experience. He previously worked at T. Rowe Price for five years and attended the University of Maryland. Outside of his advisory role, Massey serves as an independent contractor sports official for adult recreational kickball and soccer games. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and various organizations, providing financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.

Robert Ellrich is a CFP® professional with 20 years of industry experience. He currently works at Osaic and previously spent 20 years at Lincoln Financial Advisors Corp. Ellrich is also president of Ellrich Wealth Advisors, LLC and conducts insurance activities related to accident, health, disability, long-term care, and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing a variety of investment vehicles and third-party platforms to construct portfolios managed on discretionary or non-discretionary bases.

Jason D Addario is a financial advisor with LPL Enterprise holding the Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at Flora Food Group and Sherwin-Williams and has been involved with USSF as a coach in sports and fitness since 2013. Outside of his advisory role, he remains active in coaching sports and fitness activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, leveraging a combination of proprietary research, model portfolios, and third-party management options.

Walter Ortiz is a Series 66-licensed advisor with J.P. Morgan Securities, based in Baltimore, MD. He joined the firm in 2026 and has prior experience at JPMorgan Chase Bank, Abbott Laboratories, and Thermo Fisher Scientific. Ortiz also has academic experience at Duke University and Pennsylvania State University. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Frank Duncan is a financial advisor with LPL Financial in Timonium, MD, holding the ChFC® designation along with Series 63 and 65 licenses. He has 28 years of industry experience and has been associated with LPL Financial since 2009. Since 2020, he has also operated Maryland Financial Group, Inc., an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Keith Ellis is a financial advisor at Morgan Stanley in Baltimore, MD, with 16 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at RE Advisers Corporation and RE Investment Corporation. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning supported by firm-approved tools and methodologies.

Patricia Soto is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has previously worked with First Command Financial Planning and related entities for over two decades before joining Cambridge in 2021. Soto is also the owner of My Shepherd Financial, a private advisory practice. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through independent professionals, using various portfolio management platforms and proprietary as well as third-party model strategies.

Christopher Pellegrino is a CFA® charterholder and registered investment advisor affiliated with LPL Financial in Hunt Valley, MD, with five years of industry experience. Prior to joining LPL Financial in 2022, he worked at Carefirst from 2016 to 2022. In addition to his advisory role, he is the owner of two Amazon sales businesses based in Arnold, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by research and model portfolios from LPL and third-party subadvisors.

Matthew Decapite is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he works as a pickleball coach and instructor. Morgan Stanley Wealth Management offers a wide range of advisory programs to both individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and structured discovery conversations. The firm manages approximately $2.74 trillion in client assets and provides services through various programs, including partnerships with employers for corporate financial planning.

Edward Campbell III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and over 20 years of industry experience. His career includes roles at firms such as Commonwealth Financial Network, Legacy Planning Partners, and Securian Financial Services. He is also involved with East Coast Advisory, a business activity outside his primary firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm employs a range of investment approaches, including proprietary model strategies and access to unaffiliated managers, with customizable discretionary and non-discretionary portfolio management options.

Ryan Kenny is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2013, progressing through various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2021. As a CERTIFIED FINANCIAL PLANNER™, Ryan works closely with his clients to develop personalized and comprehensive financial plans, focusing on the needs of affluent clients. He brings over a decade of experience in financial consulting and utilizes Fidelity's resources to support his clients' unique financial goals. Ryan emphasizes building strong relationships by getting to know his clients and their families personally, aiming to serve as a trusted advisor across generations. Outside of his professional work, Ryan enjoys activities such as spending time at the beach, family activities, fitness, golf, outdoor adventures, and traveling.

Greg Mancina is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Empower, Wells Fargo, PNC, Merrill, and Valic Financial Advisors. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to various registered investment companies and fund-of-funds.

Cheryl Palumbo is a Series 66-licensed financial advisor with Robert W. Baird & Co. in Towson, MD, where she has worked since 2009. She has 24 years of industry experience. Outside of her advisory role, she serves as a board member for Saints Peter and Paul Church Finance Council and is involved as a director and board member in a physician’s office partnership. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet diverse client goals and risk tolerances.

Craig Lestner is a CFP® professional with 27 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2007. He also serves as an independent insurance agent and notary public through The Legacy Group, where he has been active since 2005. Additionally, he is a committee member of the Associated Jewish Community Federation of Baltimore. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing various portfolio management platforms and including both proprietary and third-party strategies.

Neela White is a financial advisor at Ameriprise in Ellicott City, MD, holding a Series 66 designation with 15 years of industry experience. She previously worked at Merrill from 2007 to 2021 before joining Ameriprise in 2021. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with specific asset thresholds, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary retirement income recommendations through a centralized consulting team.

David Johnson is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, bringing 25 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2012. Johnson serves as a committee member for the Maryland Association of CPAs, contributing to financial planning education for CPAs. He also assists Salisbury University Women's Lacrosse with managing team funds. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm integrates investment management with Bank of America affiliates and emphasizes manager selection and tax-efficient strategies.