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 with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 designations and having 30 years of industry experience. He has been with Morgan Stanley in various capacities since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, N.A. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research, focusing on advisory services without providing direct individual security recommendations in standalone plans.

Winnie Gebreyesus is a financial advisor at Morgan Stanley with 19 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2012. Outside of her advisory role, she operates an online retail business based in Baltimore, Maryland. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and serves clients through various financial planning and investment services.

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.

Darin Roser is a Series 66-licensed financial advisor with Robert W. Baird & Co. Inc. in Towson, MD, where he has worked since 2009. He has 22 years of industry experience. He is part of The DDK Group within Baird’s Private Wealth Management department, which serves individuals, corporate clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a broad range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs supported by internal research and tools.

Darius Lynch is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. He has previously worked at T. Rowe Price and Morgan Stanley. Outside of finance, he works as a bartender at Outback Steakhouse. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Timothy Kelbaugh is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.

Sarah Rosenthal is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. She provides personalized wealth management strategies tailored to the unique financial goals of her clients. Sarah specializes in family wealth management, LGBT wealth planning, personal retirement planning, small business strategies, socially responsible and values-based investing, special needs planning, women and wealth, tax minimization, and retirement income. Sarah returned to the financial services industry after several years of self-employment and running a small business. Her diverse experiences have enhanced her ability to advise clients with a deeper understanding of their needs and concerns. She holds professional designations including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Sarah earned her bachelor's degree from Towson University and also attended Goucher College. Beyond her professional work, Sarah is involved with several organizations including the Baltimore Estate Planning Council, Girl Scouts of Central Maryland, and Itineris Baltimore. She also supports community initiatives such as Cavalier Rescue USA and the Red Cross of Central Maryland. In her personal time, she enjoys hiking, knitting and crocheting, reading, spending time with her family, and watching movies.

James Duffy IV is a CFP® with 21 years of industry experience, currently serving as a financial advisor at LPL Enterprise. He has worked at Prudential Insurance Company of America since 2006 and was associated with Pruco Securities, LLC. for 18 years. LPL Enterprise, LLC serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, and access to various investment and insurance products via an integrated platform that combines adviser programs with active sales of financial products.

Luke Schmitz is an Investment Consultant at Fidelity Investments, a role he has held since 2024. In this capacity, he assists clients and their families in building financial plans tailored to their unique situations. Prior to this, he worked as a Financial Representative at Fidelity Investments in 2024. Luke focuses on developing strategies that align with his clients' goals, emphasizing a process built around trust and meaningful relationships. His approach is informed by his interest in finance, planning, and client engagement. Outside of his professional responsibilities, Luke has personal interests that include cars, fitness, golf, pets, and traveling.