Christina Marsalek is a financial advisor with Primerica Advisors in Crofton, MD, holding Series 63 and Series 65 designations and 27 years of industry experience. She has been with Primerica Advisors since 1998 and with Primerica Financial Services since 1995. In addition to her advisory role, she is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure, providing portfolio management focused on retail investors rather than institutional plans.

Alexander Villegas is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. He has worked at LPL Financial since 2017 and previously held roles at Hood College and Carroll County Agricultural Center. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Michael Bianca is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 2010 with Natixis Global Asset Management in Boston, MA, and joined Merrill Lynch Wealth Management in 2014 to apply his experience and knowledge in helping clients pursue their financial goals. Michael offers investment planning and advice to affluent individuals, families, and businesses. He provides personal and in-depth services, utilizing industry-leading resources to assist clients in achieving their personal and financial objectives. His approach is diversified and risk-managed, aimed at bringing clarity to a complicated marketplace and fostering trust and understanding with clients. He graduated from DeSales University in 2009, where he was a member of the baseball team. Michael holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) designations. He resides in Westminster, MD with his wife Amanda, their sons Easton and Beau, and their chocolate lab Camden. In his free time, he enjoys baseball, biking, fishing, spending time with his family, and traveling.

Michael Larkin is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and over 20 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2020, with prior roles at Avantax Investment Services, Dominion Wealth Management, 1st Global Advisors, and RBC Capital Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and analysis from its Global Investment Committee.

Adama Diallo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and previously spent six years with Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephanie Summers is a financial advisor at OSAIC with 20 years of industry experience. She holds a Series 66 designation and has worked previously at FSC Securities Corp and Kramer Financial. Outside of her advisory role, she teaches financial education sessions for the Communication Service for the Deaf, working with materials from the SIFMA Foundation and assisting with the development of an ASL interpreter financial training program. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, and charitable organizations through a broad network of advisers. The firm offers integrated brokerage and advisory services with a range of investment options and portfolio management tools.

Edward Myers is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2009. He holds the Series 66 designation and is based in Westminster, MD. Myers is also the owner of Kairos Wealth Advisors, LLC, a business entity established to manage the lease of his Raymond James office location. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

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.

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.

Brittany Fisher is a financial advisor at Edward Jones with one year of industry experience. She holds the Series 66 designation. Prior to joining Edward Jones, she worked in construction and the hospitality sectors. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and tax-efficient solutions, supported by a nationwide network of over 23,000 financial advisors.

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.

Wendy Shi is the Vice President and Branch Leader at Fidelity Investments' Washington DC Investor Center. In her current role, she leads a team of advisors dedicated to assisting clients in achieving their financial goals through Fidelity's holistic planning process. Wendy's professional experience spans over a decade within the financial services industry. She has held various positions at Fidelity Investments since 2011, including Branch Service Manager and Relationship Manager. Prior to that, she worked as a Financial Consultant at Scottrade from 2009 to 2011, and as an Investment Banking Financial Analyst at Jeffereis & Co. Inc. from 2005 to 2007. Outside of her professional responsibilities, Wendy has interests in parenthood, photography, traveling, volunteering, and writing.

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.

Thomas Paholsky is a financial advisor with Edward Jones in Littlestown, PA, holding a Series 66 designation and eight years of industry experience. He worked at New Windsor State Bank for nine years prior to joining Edward Jones in 2017. Outside of his advisory role, Paholsky serves on the board of the Littlestown chapter of Rotary International, chairs the Pastoral Council at St. Aloysius Catholic Church, and is a committee member for the Fund for Littlestown under the Adams County Community Foundation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Rodney Sams is a financial advisor with Merrill in Eldersburg, MD, holding a Series 66 designation and three years of industry experience. Before joining Merrill in 2022, he worked at Truist Bank, M&T Bank, Belk, and GameStop. Outside of his advisory role, he serves as a consultant and independent contractor for Limitless Volleyball Club, assisting the head coach with training and team support. Merrill, together 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.