Brett Baile is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2023. Outside of his advisory role, Brett is a partial owner of Beaver Creek Country Club, a golf course in Hagerstown, MD, and has provided consulting services for a landscaping and snow removal company. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Cherie Edwards is a Private Wealth Advisor at Merrill Private Wealth Management and a member of The Orr Group. She works with a select group of clients including entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. Cherie's role involves organizing and simplifying her clients' financial lives to help them focus on meaningful personal and professional pursuits. She began her career at Merrill in 1999 and is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Cherie graduated from East Carolina University with a bachelor's degree in Financial Services. Her expertise includes wealth planning strategies, analysis, portfolio reviews, and assisting clients with multigenerational family wealth dynamics and governance. Outside of her professional work, Cherie and her husband Shane have three children and are active in their local youth baseball program, often coordinating and volunteering. Her personal interests include baseball, boating, skiing, spending time with her family, and traveling.

William Hoover is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Covered Bridges Financial Strategies, Grove Point Investments, Grove Point Advisors, H. Beck, FolioFN Investments, and Ameriprise. Hoover is involved with Covered Bridges Financial Strategies, LLC in a non-variable insurance capacity. 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 financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, utilizing a wide range of investment strategies supported by advisor-facing technology.

Marcus Hull is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and offering 25 years of industry experience. He has been with RBC Capital Markets since 2009 and has also worked at City National Bank since 2018. Outside of his advisory role, Hull serves on the Board of Directors for the Three Rangers Foundation, a veteran service organization. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides various advisory programs that offer discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Michael Dailey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to pursue financial objectives through a focused and proactive approach to wealth management, emphasizing wealth accumulation, preservation, and the transition of assets to the next generation. Michael assists clients in simplifying complex financial challenges by taking time to understand their priorities. His expertise includes divorce transition planning, education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Michael holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree in Economics from the University of Maryland. A native of Maryland, he currently resides in Frederick, MD. In his personal time, Michael enjoys fishing, golfing, skiing, and spending time with his family.

James Wilson Jr. is a financial advisor with UBS Financial Services in Frederick, MD, holding a Series 66 designation and bringing 23 years of industry experience. His prior roles include positions at Steward Partners Investment Solutions, Raymond James Financial Services, and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

William Orr is a Private Wealth Advisor at Merrill Private Wealth Management. He founded The Orr Group in 1989 to assist ultra-affluent families and individuals in managing significant wealth. William focuses on creating customized investment strategies, including investment planning, asset allocation modeling, and manager selection. He also guides clients in establishing family foundations and provides financial education for the next generations. A key component of his work involves collaborating with clients' external advisors, such as accountants and attorneys, to coordinate asset, liability, and wealth transition management strategies. William serves a select clientele comprising entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. He is committed to building close, long-term relationships with clients and team members. William holds the Certified Investment Management Analyst® (CIMA®), Personal Investment Advisor (PIA), and Sports & Entertainment (SE) designations. He earned a Bachelor's Degree from Clemson University, where he developed a lifelong friendship with his business partner, Tim Mellott. In addition to his professional commitments, William is involved with the Frederick Memorial Signature Gifts Committee. His personal interests include biking, boating, golfing, hiking, skiing, and traveling.

Timothy Mellott is a Private Wealth Advisor at Merrill Private Wealth Management. He focuses on developing strategies and recommendations for affluent individuals, business owners, and professional organizations to help them achieve their financial goals. His approach to wealth management is consultative and objective, emphasizing careful listening to understand each client's financial circumstances, preferences, and objectives. Tim has expertise in areas including corporate executive services, family wealth management, legacy and philanthropic planning, portfolio management, tax minimization, and investment strategies tailored for individual and corporate clients. As a partner of The Orr Group, he collaborates with clients to create wealth management plans that reflect their goals, risk tolerance, and liquidity needs, while coordinating with other professional advisors to manage assets and wealth transition. He holds a Bachelor's Degree from Clemson University, where he was a member of the wrestling team alongside his business partner Bill Orr. Timothy has earned the Personal Investment Advisor (PIA) designation. Outside of his professional work, he is involved in coaching and mentoring through his community engagement, including participation with the Fellowship of Christian Athletes.

Kelly Batey is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he operates Sterling Financial Management, Inc. and Batey Group LLC as DBAs associated with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad platform of advisory and brokerage services. The firm supports a large network of investment adviser representatives who utilize a range of investment strategies and technologies.

Deborah Frey is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including LPL Financial and Cetera Advisor Networks. She is based in Frederick, MD. 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 tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment models.

Beth Mason is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and 12 years of industry experience. She has been with Morgan Stanley since 2015. Outside of advising, she is a notary, providing document verification services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm employs structured planning tools and investment modeling but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Bradley Myers is a financial advisor with Edward Jones in Middletown, MD, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. He has been with Edward Jones since 2006. Outside of his advisory role, he serves as Finance Director for the Middletown Area Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory services. The firm manages over $1 trillion in assets and supports a large network of financial advisors and branch offices nationwide.

Eric Pfoutz is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Outside of his advisory role, he is an owner of a rental property business, Away At The Bay LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jean Joyce is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, at Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets and Legg Mason Wood Walker. Outside of her financial advisory role, she is a partner in Jover Fine Art Productions, a retail and online art business based in Frederick, Maryland. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Douglas Smith is a financial advisor with Edward Jones in Waynesboro, PA, holding a Series 66 license and possessing 12 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, Smith serves as a Range Safety Officer and classroom leader at Hill Top Arms, volunteers with Junior Achievement of South Central PA’s financial education programs, assists guests at the nonprofit event Project Big Love, and provides bookkeeping support for Jesus Alive Ministries. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory and wealth management services, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of advisors.

Kiley French is a Financial Advisor at Merrill Lynch Wealth Management. She is dedicated to helping individuals and families achieve their financial goals through a personalized planning process that begins with understanding each client's unique situation, values, and goals. Kiley focuses on creating tailored strategies that align with clients' needs and lifestyles, empowering them to pursue what matters most. Kiley discovered her passion for financial advising while attending Pennsylvania State University, where she earned her bachelor's degree. She launched her career at Merrill Lynch upon graduation and built her practice with an emphasis on client education, believing that financial planning is most effective when clients understand not only what they are doing but why they are doing it. She holds the designation of Personal Investment Advisor (PIA). Residing in Boonsboro, Maryland, Kiley lives with her husband, daughter, two stepsons, and their dog, Diggs. Outside of her professional work, she enjoys cooking, golfing, hiking, spending time with her family, playing volleyball, and watching movies.

Benjamin Seibert is a financial advisor at Morgan Stanley with five years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2021. Outside of his advisory role, he is a cofounder of PeerInvest LLC, a small real estate syndication partnership focused on property investment analysis. 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 manages approximately $2.74 trillion in client assets, utilizing a structured planning process supported by firm-approved tools and modeling techniques.

Ronald Burley is a financial advisor at LPL Financial with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including United Brokerage Services, United Bank, Capital One Financial Advisors, and Chevy Chase Financial Services. He is also affiliated with Bank of Charlestown in a financial institution capacity. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a large network of advisors with diverse investment strategies and operational tools.

Scott Mccaskill is a CFP®-certified financial advisor with 25 years of industry experience, currently with Cetera Wealth Services, LLC. His prior roles include positions at Commonwealth Financial Network, Kestra Advisory Services, and Raymond James Financial. He is also co-owner of Princess Cassandra Designs, LLC, a wedding and event invitation company based in Frederick, MD. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform that allows advisors to implement various model portfolios and customized strategies.

James Dorsa is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.