Pamela Nehemia is a financial advisor with Wells Fargo Advisors in Marriotsville, MD, holding a Series 66 license and two years of industry experience. Her prior roles include work at the Stoler Early Learning Center and time spent as a homemaker and stay-at-home mom. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and sports & entertainment planning, with recommendations supported by Wells Fargo research and planning tools.

Jessica Sewell is a Series 66-licensed financial advisor with Morgan Stanley in Frederick, MD, and has 13 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Roseanne Clingerman is a financial advisor at Morgan Stanley with three years of industry experience. She has worked at Morgan Stanley since 2022 and was previously with Sandy Spring Bank for ten years. Clingerman holds the Series 66 designation and is based in Frederick, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning through structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.

William Peacock is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Suntrust Advisory Services and Suntrust Investment Services before joining Merrill and Bank of America in 2018. 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.

Michael Baldecchi is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior experience includes roles at Bank of America, N.A., and various positions outside finance such as at Atlas Container Corporation and Chesapeake Orthopedic & Sports Medicine Center. 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, and institutional accounts.

Richard Pencek is a CFP® with 22 years of industry experience, currently affiliated with LPL Financial. He previously worked at Grove Point Investments, LLC and Grove Point Advisors, LLC for four years, and spent 17 years at H. Beck, Inc. Outside of his advisory work, Pencek is involved in artistic and musical pursuits through a personal venture called FatherTime. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by both proprietary and third-party research and portfolio management options.

Kevin Jackson is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and six years of industry experience. He previously worked at M&T Bank for 19 years before joining Morgan Stanley in 2019. He serves on the board of directors for DIW Group, Inc., a geotechnical engineering company, where he participates in executive compensation, compliance, legal issues, and financial oversight. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs to individuals and institutions, providing financial planning and wealth management services supported by firm-approved tools and analysis methods.

Brad Young is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 23 years. Outside of his advisory role, Young serves as an instructor teaching finance, economics, and markets at Mt. St. Mary’s University, and he is an elected member of the Frederick County Council. He is also a board member of the nonprofit organization I Believe In Me. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers. The firm offers integrated brokerage and investment advisory services, using various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Michael Stebner is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. He has worked at Pfs Investments Inc since 2002 and Primerica Financial Services since 2000. Primerica Advisors manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies created by unaffiliated asset managers and offers a range of portfolio management options supported by BNY Mellon Advisors and Pershing custody services.

Jacob Griffith is a financial advisor with RBC Capital Markets in Frederick, MD, holding Series 63 and Series 65 credentials and 25 years of industry experience. He worked at Arrow Investment Advisors, LLC from 2006 to 2020 before joining RBC Capital Markets in 2021. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and offers a mix of in-house and third-party investment managers and model providers.

Laura Johnson is a CFP® professional with 27 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2016. She owns Hummingbird Wealth Management LLC and is a Certified Divorce Financial Analyst involved in divorce financial counseling. Additionally, she holds leadership roles in several organizations, including serving as chairman of Second Chances Garage and president of Jeep Fest for Charity, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers tailored investment strategies through a network of independent financial professionals utilizing various platform arrangements and both proprietary and third-party model strategies.

Drew Mc Clair is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping professionals and families develop clear, confident, and tax-smart retirement plans. As a Certified Investment Management Analyst® (CIMA®) and Personal Investment Advisor (PIA), Drew brings advanced investment training and disciplined portfolio construction to his advisory relationships. His expertise covers a broad range of client focus areas including college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Drew emphasizes building advisory relationships based on clarity, communication, and trust while simplifying complex financial topics into actionable steps. Drew holds a High School Diploma from Huntingtown High School. Outside of his professional work, he enjoys adventure sports, cooking, hiking, music, skiing, swimming, traveling, and spending time with his family.

Pamela Graham is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with LPL Financial since 2001. In addition to her advisory role, she serves on the board of LETIP of Howard County, a local professionals' networking group. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of financial planning and advisory programs with discretionary and non-discretionary management, supporting diverse investment strategies and technology integration.

Jacob Sturgill is a CFP®-designated financial advisor with 14 years of industry experience, currently affiliated with LPL Financial since 2015. He operates in Westminster, MD, and has prior involvement as a tax accountant outside of his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers diverse advisory programs and utilizes model portfolios and research from multiple sources to support various investment strategies.

Regis Larkin is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at RBC Capital Markets from 2009 to 2017. Outside of his advisory work, he is a partner in Larkin Dental Health LLC, a healthcare-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Kevin Moore is a financial advisor with Cambridge Investment Research Advisors in Frederick, MD, holding a Series 66 designation and eight years of industry experience. Prior to joining Cambridge, he worked at the U.S. Army Medical Research Acquisition Activity. Outside of his advisory role, Moore is involved in several community organizations, serving as a board sergeant at arms for the Rotary Club of Carroll Creek and holding committee and board positions with Habitat for Humanity of Frederick County, Federated Charities, and Goodwill Industries. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals, providing both discretionary and non-discretionary strategies and combining proprietary models with access to unaffiliated strategists.

Beth Linton is a financial advisor with LPL Financial in Frederick, MD, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory work, she is a commissioned notary public. LPL Financial serves a diverse client base, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and utilizes research and model portfolio strategies to support its services.

James Cholet is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with an estate-related business based in Hanover, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies developed by its Global Investment Committee.

Christian Pardo is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior work includes roles at Bank of America, Fidelity Investments, and Merrill Lynch. 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.

Jacob Boone is a financial advisor with RBC Capital Markets in Westminster, MD, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Merrill and various positions outside finance, such as at Illianos J&P restaurant and Outback Steakhouse. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations with a range of advisory programs that offer portfolio management, financial planning, custody, and brokerage services. The firm uses tailored investment strategies implemented through a mix of in-house and third-party managers, supported by RBC’s capital-markets capabilities and affiliated asset managers.