William Boykin V serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He works closely with clients to connect them with people, plans, and processes tailored to their unique financial ambitions. His approach encompasses helping clients plan for college education funding, retirement, philanthropic endeavors, and family wealth management, emphasizing simplicity and transparency in the complex field of investing. William's expertise spans various client focus areas including managing new wealth, personal retirement planning, socially responsible and ESG investing, tax minimization, and portfolio management services. He is committed to collaborating with clients and coordinating all aspects of their financial affairs through a disciplined process to help them achieve their goals. He holds a Bachelor's Degree from Cornell University and has earned the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. In addition to English, he is proficient in Japanese. William is involved with the One Love Foundation and has interests in boating, fishing, football, golfing, hunting, skiing, and traveling.

Christopher Anderson is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and having 21 years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2016. 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 both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts. The firm incorporates internal Chief Investment Office teams and third-party managers, with portfolio implementations tailored by strategy and investment sensitivity.

Victor Folayan is a financial advisor with Cetera, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at Kinnect Wealth Management, Securian Capital of the Chesapeake, and New York Life. Outside of his advisory work, he serves as Treasurer on the board of ANPA DMV and volunteers with the FGC Idoani Alumni Association. Cetera Investment Advisers LLC is an SEC-registered advisor serving individuals, 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 large network of independent advisors and supports various program structures with discretionary and non-discretionary management options.

Ascenza Meyer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 13 years of industry experience. She has worked at Raymond James since 2013 and previously supported Fusco Financial Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools and tailored approaches to support client goals and offers specialized advisory programs along with municipal and public finance services.

Brittnay Larrimore is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 credentials and seven years of industry experience. She has worked at RBC Capital Markets since 2018 and previously held roles at City National Bank and World of Beer Baltimore. Larrimore serves on the Board of Trustees finance committee for CASA Baltimore. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, corporate, and charitable clients with a range of advisory programs. The firm customizes investment strategies based on client risk profiles and offers both discretionary and non-discretionary portfolio management along with various financial services.

Kelly Lemasters is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Bank of America and Merrill since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Susan Scarborough is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals 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 financial planning process using firm-approved tools and models without providing individual security recommendations in standalone plans.

Brian Heffern is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with Merrill since 2017 and also works with Bank of America, N.A. Since 2019, he has been involved with both firms in roles related to investment advisory services. 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 developed by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Patrick Leland is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He has been with Merrill since 2016. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Smith is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he helps clients pursue their financial goals by developing customized strategies tailored to their comfort level with risk. His services include personal retirement planning, portfolio management, tax minimization, and retirement income planning. He also integrates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Brian works closely with professionals on financial planning, tax mitigation strategies, and investments. He holds the professional designation of Personal Investment Advisor (PIA). His educational background includes a high school diploma from Loyola Blakefield and attendance at the College of Charleston and Towson University without degree conferral. Outside of his professional work, Brian is involved in his community as a Long-Term Recreational Coach (LTRC) Basketball Coach. He enjoys activities such as basketball, camping, golfing, hiking, music, skiing, spending time with his family, tennis, traveling, and volleyball.

William Winterstein is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and 25 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney and Citigroup Global Markets throughout his career. 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 and estate planning strategies, managing approximately $2.74 trillion in client assets.

Joanna Eyere is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2018. She serves as a board member for the Harriet Lane Home Foundation, which supports pediatric nephrology programs at Johns Hopkins Hospital. Merrill, along with its affiliate Managed Account Advisors LLC, provides model-based and discretionary managed account services to Bank of America fiduciary clients, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Richard Denardi is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Nationwide Investment Services Corporation for nine years. Outside of his advisory role, he coaches amateur and high school baseball teams in Maryland. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a wide range of integrated brokerage and advisory services, utilizing proprietary asset-allocation tools and access to third-party money managers.

Gregory Buchinski is a Senior Financial Advisor at Merrill Lynch Wealth Management with 28 years of experience in the field. He joined Merrill Lynch in 1997 after earning a Bachelor's degree in Economics with a concentration in Finance from the University of Maryland, Baltimore County. Greg employs a disciplined approach to portfolio management, emphasizing wealth preservation as fundamental to successful investing. Greg holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Throughout his career, he has been recognized as part of the Liotta Osterman Buchinski team named to the 2023 Forbes "Best-in-State Wealth Management Teams" list. Beyond his professional pursuits, Greg has served on the Board of the University of Maryland, Baltimore County Alumni Association and as past President of the Towson Toastmasters Club. He and his wife Mirna, an attorney specializing in Estate Planning and Elder Law, raise their children Michael and Ava Marie.

Jason Chamberlain is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 designation and 28 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, and previously with Citigroup Global Markets. Chamberlain is involved with the Baltimore Montessori Public Charter School. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and a broad suite of retail and institutional investment services.

Brett Baldwin is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing comprehensive financial planning services, helping clients develop and pursue their short-, mid-, and long-term financial goals. Brett emphasizes understanding clients' priorities to create personalized strategies that address a range of needs, including retirement planning, investing, and education funding. Brett holds a Bachelor of Science degree in Finance and International Business from the University of Maryland. He has earned professional designations as a CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His areas of expertise include college education planning, divorce transition planning, managing new wealth, and retirement income strategies. Outside of his professional role, Brett enjoys activities such as baseball, boating, fishing, golfing, hunting, and skiing. He also values spending time with his family.

Walter Megger is a Series 66 credentialed advisor at Merrill with 22 years of industry experience, including 29 years at Merrill. He is also a consultant and umpire for a recreational girls softball league through ArbiterSport LLC. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

David Crabtree is a financial advisor with Merrill, holding Series 63, Series 65, and Series 66 licenses and 15 years of industry experience. His prior roles include positions at Bank of America, Blackstone, M&T Bank, and Fidelity & Guaranty Life. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stuart Mears is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015. Outside of his advisory role, he works part-time stocking shelves at Martins Supermarket in Eldersburg, Maryland. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Gerald Marquez is a financial advisor at Robert W. Baird & Co. with 40 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 65 licenses. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals and risk tolerances, employing both in-house and third-party managers across traditional and complex investment strategies.