Andrew Shaffer is a CFP® professional with nine years of industry experience, currently an advisor at OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and Heritage Financial Consultants, LLC for one year. His other business activities have included soliciting clients for investment and annuity products at Heritage Financial Consultants. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Peter Pitrelli is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, N.A. and Roseville Wealth Management Group powered by Ameriprise. Outside of finance, he has worked at Bergen Pickleball Zone and attended Elizabethtown College. 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. The firm offers model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Dunne is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, Legg Mason Wood Walker, and T. Rowe Price Advisory Services. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of financial services through its extensive network of advisors.

Susan Sadler Woelper is a financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS Financial Services Inc. since 2009 and holds Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kathryn Hoyle is a CFP® professional affiliated with LPL Financial and has been with the firm since 2018. Her prior experience includes roles at Summit Financial, Apex Tool Group LLC, Rouge Catering, Seasons Pizza, and Towson University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Erik Gundlach is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques to support client decision-making.

Patrice Wells Sowah is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. She has worked with PFS InvestmentS Inc. since 2009 and was employed by the State of Maryland Department of Juvenile Services from 2008 to 2019. Her business activities include the sale of investment-related products and referral of home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Sharon Martin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 18 years of industry experience. She has been with Robert W. Baird & Co. since 2009. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and other institutional clients. The group provides tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and overlay strategies across a range of traditional and non-traditional investments.

Justin Mc Nicholas is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and eight years of industry experience. His career includes positions at Bank of America, N.A. and Merrill since 2018. Outside of finance, he has business experience with Homefix Custom Remodeling and Red Abbey LLC, along with involvement in Kipilin Farm. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines internal and third-party investment management with support for trading, account administration, and custody.

Jeffrey Evans is a financial advisor with Merrill based in Hunt Valley, MD, holding a Series 66 designation and 7 years of industry experience. He has been with Merrill since 2017. Outside of his advisory role, he manages several rental properties. 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 both model-based and discretionary investment strategies for a diverse range of clients including individuals, high-net-worth investors, and institutions.

Howard Schwartz is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018, following prior roles at U.S. Trust, Bank of America, and BB&T Investment Services. He is involved with The Community Foundation of Howard County through a donor-advised fund established by his family. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lee Demma is a financial advisor with LPL Financial in Elkridge, MD, holding Series 63 and Series 65 licenses and 16 years of industry experience. His prior roles include positions at M&T Securities, Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. 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 financial planning and investment management solutions, utilizing both proprietary and third-party strategies across a variety of asset classes.

Kyle Harris is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and having 20 years of industry experience. He has worked at UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management, financial planning, and a range of capital markets services. The firm combines institutional trading capabilities with wealth management and uses proprietary research to tailor investment solutions.

Kevin Fusco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Raymond James since 2012. Outside of his advisory role, he serves as Vice President of Fusco Financial Associates, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors with various specialized programs and institutional services.

Jenna Welch is a financial advisor with Equitable Advisors in Sykesville, MD, holding a Series 66 designation and six years of industry experience. Her prior work includes roles at Daston Corp and Shady Spring Pet Retreat. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset management programs through a network of Investment Adviser Representatives. The firm offers both proprietary and third-party advisory solutions and provides ERISA fiduciary services to qualified plans.

Matthew Dunphy is a financial advisor with Ameriprise in Ellicott City, MD, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he is a co-owner of Leaf Mental Health, a mental health concierge service. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jason Slotkin is a Wealth Management Advisor with The Pearce Group at Merrill. He serves as a key client relationship manager for select high-net worth clients and oversees the team's sports and entertainment division. His responsibilities include portfolio analysis, investment manager selection, holistic wealth management forecasting and planning, and heading the team's life and long-term care insurance planning. Jason also has extensive experience with high-net worth family trusts and estates, often coordinating with clients' attorneys and CPA's. He joined Merrill in 2013 and has over ten years of industry experience. Jason holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards Inc. He is also a Sports & Entertainment Accredited Wealth Management Advisor™ designee, a certification from The College for Financial Planning Institutes Corp. Jason earned a Bachelor's degree in Economics from the University of Maryland - College Park. He is a member of professional organizations including the Associated Italian American Charities and the Association for Corporate Growth. Outside his professional work, Jason enjoys activities such as chess, football, golfing, music, reading, running, spending time with his family, traveling, volleyball, and watching movies.

Kaitlyn Young is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has been with Merrill since 2017 and previously worked at Genworth Financial, Inc. and Randolph-Macon College. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Luke Chenowith is a CFP®-designated financial advisor with 16 years of industry experience. He is currently with Charles Schwab, where he has worked since 2019, following a five-year tenure at T. Rowe Price. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a large client base with multi-asset model portfolios and a mix of non-discretionary and discretionary investment options supported by centralized operations and a formal alternative-investment process.

Ceil Madden is a financial advisor at Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses with 19 years of industry experience. Prior to joining Morgan Stanley in 2022, Madden worked at Raymond James Financial Services and Wells Fargo Clearing. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.