How to address a formal letter if unsure of gender?

[volcs0]

I'm sending a formal letter to someone named Morgan. I don't feel comfortable with "Dear Morgan" but would rather use: "Dear Mr. ____" (or "Dear Ms. ____"). I've googled this person, and I suspect they are female, but I just can't be sure.

What are the options:

1. No salutation. Just start in with the letter.
2. To Whom it May Concern
3. Dear Sir/Madam

Other ideas?