Stephanie Summers is a financial advisor at OSAIC with 20 years of industry experience. She holds a Series 66 designation and has worked at firms including FSC Securities Corp and Kramer Financial. Outside of her advisory role, Summers teaches financial literacy sessions for the Communication Service for the Deaf and has served as past president of the International Alumnae of the Delta Epsilon Sorority. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering both brokerage and advisory services through a multi-advisor platform. The firm utilizes model-based asset allocation and portfolio optimization strategies, supporting a range of investment programs and third-party manager selections.

Rockline Noyer Ngu is a financial advisor at Primerica Advisors with three years of industry experience. Ngu holds Series 63 and Series 65 licenses and has previously worked at Thomson Reuters, Volkswagen, and United Expert Holdings LLC. Outside of advisory activities, Ngu is involved in sales of loan products and home security and automation referrals through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers model-driven investment strategies supported by third-party asset managers and provides custody and trade execution through Pershing.

Susan Edmiston is a financial advisor with Edward Jones in Frederick, MD, holding Series 63 and Series 66 licenses and with 25 years of industry experience. She has been with Edward Jones since 2000. Edmiston serves as Vice President of the board for Care Wear in Frederick, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Sean Wade is a financial advisor at Cetera with a Series 66 designation and four years of industry experience. His work history includes roles at Cetera Wealth Services, McCaskill Financial, Commonwealth Financial Network, Kestra Investment Services, and Target, as well as two years at the University of Maryland. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Amanda Brien is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies, managing approximately $2.74 trillion in client assets.

Michael Clabaugh is a financial advisor with Stifel in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a broad client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies using forward-looking market assumptions and probabilistic modeling for asset allocation and planning analyses.

Sarah Godwin is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2019. Her prior roles include positions at Magpie Fibers, Morgan Stanley Private Bank, Morgan Stanley, and SilverHaze Partners. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Blair Hill serves as the Resident Director and Wealth Management Advisor at Merrill. He joined Merrill in 2000 and advises affluent families and individuals, including professionals, business executives, and entrepreneurs, on a wide range of wealth management needs. His expertise includes retirement income planning, gifting and estate planning services, concentrated stock strategies, private business succession and transition planning, and personal investment strategy. As a qualified Portfolio Manager, Blair manages personalized and defined strategies which may incorporate individual stocks and bonds, Merrill model portfolios, and third-party investment strategies, sometimes on a discretionary basis through the firm's Investment Advisory Program. Blair holds a Bachelor's Degree from the University of Maryland at College Park. He has earned professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside his professional work, Blair is actively involved in his community, participating in organizations such as the Clarksville Rotary Club, Howard County Fair Association, Maryland 4-H Foundation, and the Ulman Cancer Fund for Young Adults. He is married to his wife Megan for over 25 years, with whom he has two children. The family lives on a working farm where they raise beef cattle alongside crops including wheat, soybeans, corn, and hay. When not assisting clients, Blair spends time outdoors on the farm, watching his children play lacrosse, and pursuing personal interests such as adventure sports, biking, camping, gardening, hiking, running, skiing, and surfing.

David Chang is a financial advisor with Merrill in Frederick, MD, holding a Series 66 designation and 16 years of experience at Merrill. He is a co-owner of a rental property in Chesapeake, VA, shared with family members. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individual, high-net-worth, and institutional clients with model-based and discretionary investment strategies developed by internal and third-party managers.

Patricia Davies is a financial advisor with LPL Financial in Frederick, MD, holding Series 63 and Series 66 licenses and seven years of industry experience. Her prior experience includes roles at Cetera Advisors LLC and Maryland Financial Group, Inc. She is also involved with Almacy & Co. CPAs PA, where she has concurrent employment. 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 a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies supported by advanced operational tools.

Rikki Bowser is a Wealth Management Advisor with Merrill Lynch Wealth Management. In this role, Rikki works with clients to address complex financial challenges and help them optimize their resources for a better quality of life. Rikki's professional credentials include the Certified Private Wealth Advisor (CPWA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA) designations. Rikki holds a Bachelor's Degree from UC Davis. No additional personal or community information is available.

Nicholas Over III is a financial advisor at LPL Enterprise with seven years of industry experience. He holds the Series 66 designation and has previous experience with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is active in the soccer community as a certified referee and player for a semi-professional indoor soccer team, and he serves on the board of a nonprofit organization. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and financial planning services.

Sidney Huguenin is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its affiliated entities since 2009. Outside of his advisory role, he serves on the finance committee of the Fountain Head Country Club in Hagerstown, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and combines large-firm resources with diverse investment and planning capabilities.

Sarah Dzbynski is a financial advisor with Mass Mutual Investors Services holding a Series 66 credential and two years of industry experience. She has worked with firms including Northwestern Mutual and MassMutual Life Insurance Company. Outside of financial services, she works as a quality analyst at Mercy Medical Center, focusing on data analysis and process improvement in patient care. MML Investors Services, LLC is a subsidiary of MassMutual that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual planning relationships that use firm-approved software tools to analyze client goals and deliver written recommendations.

Derek McGee is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 23 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured planning tools and comprehensive investment resources.

Nathaniel High is a financial advisor at LPL Enterprise with nine years of industry experience. He holds a Series 66 designation and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. He serves as a board member for the South Carroll Business Association, a nonprofit organization focused on community networking. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in Model Wealth Portfolios wrap programs.

David Holman is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. He worked at Edward Jones for 13 years before joining LPL Financial in 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment options and employs technology tools to support advisors, managing over $819 billion in discretionary assets through a broad network of more than 22,800 advisors.

Keith Hoover is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His work history includes roles at CLRA Group LLC and PFS Investments Inc., alongside a decade-long involvement with the Frederick Keys Baseball organization. In addition to his advisory role, he receives compensation for part-time referrals related to home security, automation products, and loan services through affiliated Primerica companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and operates with support from BNY Mellon Advisors and Pershing for trade execution and custody.

Jonathan Dorsch is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 66 licenses and having eight years of industry experience. His prior roles include positions at T. Rowe Price and Northwestern Mutual, as well as work at Washington College. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services through both individual and corporate financial planning agreements.

Matthew Pereira is a Series 66-licensed financial advisor at Merrill with six years of experience, including four years at Wells Fargo Bank N.A. prior to joining Merrill in 2020. He is based in Frederick, MD. 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, offering model-based and discretionary strategies for individual, high-net-worth, institutional, and nonprofit clients.