Catherine Cretella is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2014. 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, and manages approximately $2.74 trillion in client assets.

Joseph Esparolini is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2017, following a year at Facebook and six years with the U.S. Army's Department of Defense. Outside of financial advising, he is involved with Hunting Hawk Farm, LLC, a horse boarding and apartment rental business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Leo Sloss is a financial advisor at Edward Jones with three years of industry experience. He holds the Series 66 designation and has prior work experience at Regal Paint Centers, Andree English School, and Andres Bello University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs with approximately $1.01 trillion in assets under management, supported by a large nationwide network of financial advisors and branch offices.

William Hendry is a financial advisor with Stifel in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Stifel Nicolaus & Co. since 2011. Outside of his advisory role, he is an owner and manager of a family farm in Derwood, MD. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing guidance on asset allocation, retirement, insurance, and estate planning.

Courtney Mills Picarelli is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and three years of industry experience. She previously worked at NVR Mortgage Finance, Inc. and the Blue & Gray Bar & Grill. Picarelli serves on the Investment Committee of the Community Foundation of Frederick County. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that offers a wide range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets.

Timothy Ashley is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. He has worked at LPL Financial since 2019 and also serves as a Principal Program Manager at Microsoft Corporation. Additionally, he is involved with 6A Management Corp, a business entity for tax and investment purposes. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with research and operational tools.

Teri Houp is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch since 2009. 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. The firm offers both model-based and discretionary strategies managed by internal and third-party teams for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brianna Ryland is a financial advisor at Edward Jones with five years of industry experience. She holds a Series 66 designation and previously worked at Cambridge Investment Research in various capacities from 2019 to 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jenifer Sutton is a financial advisor at Edward Jones with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Edward Jones since 1994. Outside of her advisory role, she serves as a director for the Lions Club of Frederick and is a county delegate for the United States Tennis Association. 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 programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Stacy Allgood Smith is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 licenses and three years of industry experience. Her work history includes positions at PFS Investments Inc., Charis Realty Group, and Primerica Financial Services. Outside of financial advising, she has longstanding involvement with Allgood Therapeutic Massage and MJach Designs. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, providing advisory services through model-delivery strategies created by unaffiliated asset managers.

Joshua Best is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at Equitable, NY Life, and King St Insurance/Landey Patton State Farm. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Matthew Smolsky Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Cadaret, Grant & Co., Inc. for 19 years and The Barnes Group for 23 years. Outside of his advisory role, Smolsky serves as an Assistant Fire Chief with the Prince William County Department of Fire & Rescue, a position he has held since 1977. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm supports individual investors, retirement plans, banks, trust companies, and institutions with a range of financial planning, model portfolios, and institutional platforms.

Scott A. Spiers serves as the Resident Director and Wealth Management Advisor at Merrill. He has been in the financial services industry since January 2015 and is a fully licensed financial advisor. Scott's approach centers on building wealth management strategies tailored to individual client needs, focusing on tax-efficient portfolios and retirement planning. Before joining Merrill, Scott began his financial services career with a smaller firm, achieving the highest level of production distinction in his third year. Prior to his financial career, he served nearly 21 years as a commissioned officer in the U.S. Air Force, commanding three squadrons and deploying to Iraq, Afghanistan, and Qatar. His educational background includes a Bachelor of Science from the U.S. Air Force Academy, a Master of Science in Finance from the University of Texas at San Antonio, an MBA from the College of William & Mary, and a Master of Arts in Homeland Security from the Naval Postgraduate School. He holds professional designations including Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA). Scott emphasizes that his work is about understanding clients' life priorities and creating personalized financial plans that align with their goals and aspirations. He is committed to community involvement, reflecting the Merrill tradition of service by volunteering with local organizations. His personal interests include a variety of sports and endurance activities such as baseball, basketball, biking, football, running, running marathons, soccer, and swimming.

Vicki Studt is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 65 and Series 63 licenses and nine years of industry experience. Her career includes roles at Primerica Financial Services and Amedisys. She also receives compensation for part-time referrals of home security and automation products and other home-related services through affiliates of her firm. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients, employing model-driven strategies supported by third-party asset managers.

Thomas Evich is a financial advisor based in Frederick, MD with Morgan Stanley, holding Series 63 and Series 65 designations and 32 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized financial planning and estate strategies. The firm’s approach incorporates structured discovery conversations and advanced planning tools, serving clients both directly and through corporate financial planning agreements.

Lauren Storm is a financial advisor with Cetera, holding a Series 66 designation and having nine years of industry experience. She has worked at LPL Financial and Sandy Spring Wealth Management prior to joining Cetera and First United Bank & Trust, where she also assists clients with estate planning and administration. Outside of her advisory role, she owns Frederick Wine House and serves as a notary in Maryland. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform with various investment program options, managing over $256 billion in assets through a large nationwide network of advisors.

Nathan Myers is a financial advisor at Edward Jones with 18 years of industry experience. He holds the CFP® and Series 66 designations and has been with Edward Jones since 2008. Outside his advisory role, he is a board member of the Wholehearted Foundation and serves as a board trustee for Providence Academy, where he participates in governance and financial oversight. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,700 advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Gregory Souchack is a financial advisor at Ameriprise with one year of industry experience. He holds the Series 66 designation and previously worked for International Business Machines for 20 years. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

David Frank is a financial advisor with OSAIC in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He is a managing partner at Kramer Financial, LLC and has been affiliated with the firm and its predecessor entities since 2005. Outside of his advisory role, Frank serves as head coach for the United States Deaf Track and Field national team and is a member of the Deaf American Distance Running Hall of Fame advisory committee. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers both brokerage and advisory services with a model-based investment approach that incorporates portfolio optimization, risk assessments, and a range of managed account strategies.

Eric Sengstack is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. He has worked at Bank of America, N.A. since 2024 and has been with Merrill since 2008. 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 and profit-sharing plans, corporations, and charitable organizations.