Anneliese D'souza is a CFP® professional with 28 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2005. Her prior experience includes five years at Voso Financial Advisers, LLC. She volunteers at Saint Katherine Drexel Church. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Glenn E. Hain is a Wealth Management Advisor at Merrill Lynch Wealth Management. He and his team provide a full range of wealth management services to corporate executives and their families, utilizing the global resources of Merrill to address complex financial needs. Glenn has been with Merrill Lynch since 2004, bringing over 27 years of experience in the financial services industry. His expertise encompasses corporate benefit programs including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. Glenn works closely with clients to integrate their corporate benefits into long-term financial strategies, serving areas such as executive compensation, personal retirement planning, philanthropic planning, and tax minimization. Glenn holds a Master's Degree from Frostburg State University and a Bachelor's Degree from Mainsfield University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Beyond his professional endeavors, Glenn is involved with community organizations such as the Blue Collar Project, the Boys & Girls Club of Frederick County where he served as Board Past Chair, and the Rotary Club of Frederick, MD. His personal interests include gardening, golfing, ice hockey, spending time with his family, and woodworking.

Jeffrey Cantrell is a financial advisor with Cetera, holding the ChFC® and Series 66 designations and bringing 28 years of industry experience. He has worked with Cetera since 2013 and is a partner at Bowman Gaskins Financial Group since 2000. Outside of advising, he is an independent insurance agent specializing in disability, fixed annuities, and life, accident, health, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary program options.

Marcus Glover is a Series 66-licensed financial advisor with 15 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2026, and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and models.

Jeremiah Thompson is a CFP® professional with 11 years of experience in the financial services industry. He is currently with OSAIC and has previously worked with FSC Securities Corporation and Kramer Financial, LLC, where he also supports other advisors. Thompson is the founder of FYIFI, a financial literacy website that provides content in American Sign Language. He also serves as a council member for Capital Group’s ABLE Advisory Council. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors and participants, charities, and corporations, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Jennifer Johnson is a CFP®-credentialed financial advisor at Cambridge Investment Research Advisors with 27 years of industry experience. She has held roles at multiple firms including Lighthouse Wealth Management and SII Investments, Inc., and maintains ownership of JLJ Financial and Jennifer L. Johnson, LLC, through which she sells and services long-term care and life insurance products. Additionally, she is involved with Audio-Video Group, LLC, a company specializing in design and installation of commercial audio and video systems. Cambridge Investment Research Advisors serves a varied client base that includes individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates multiple platforms and proprietary model strategies to support both discretionary and non-discretionary management.

Michael Lynch is a Series 66 credentialed financial advisor at Edward Jones with four years of industry experience. He has prior experience at T. Rowe Price, Fidelity Investments, The Leaders Group Inc, and Gideon Strategic Partners. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Lisa Dewing is a CFP® with 19 years of industry experience, currently an advisor at OSAIC since 2023. She previously worked at Fsc Agency and FSC Securities Corporation for 17 years. Outside of her advisory work, she is a sign language interpreter and serves as a board member for a homeowners association in North Myrtle Beach. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm is notable for its scale, complex affiliate network, and recent consolidation activity.

Rebecca Cathcart is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. Her prior roles include positions at OSAIC, Randy Scritchfield & Associates, Securities America Advisors, Equitable Advisors, and multiple State Farm agencies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of household types and organizations. The firm offers discretionary and non-discretionary strategies, access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Christopher Hoult serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. In his role, he acts as a financial coach, building relationships that assist clients in navigating wealth management, estate planning, portfolio, and investment management. Leveraging the resources of Merrill and the banking services of Bank of America, he works with clients who prefer to delegate strategic investment planning as they pursue their life goals. Christopher has been with Merrill Lynch Wealth Management since 1989. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He holds a bachelor's degree from Shippensburg University. Christopher resides in Frederick County with his wife, Rixey, and their two adult children, Nick and Jessie. Outside of his professional work, he is involved in coaching youth sports and maintains a connection to the Governor Thomas Johnson High School community. His client focus areas include liquidity management, portfolio management services, and retirement income. Christopher's approach is guided by understanding clients’ life goals, risk tolerance, time horizon, and liquidity needs.

Kimberly Bishop is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation 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 range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved planning tools.

Timothy Moore Sr. is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 43 years of industry experience. His career includes roles at VOYA Financial Advisors and his own insurance and financial services business dating back to 1976. Outside of his advisory work, he serves as a permanent deacon at two Roman Catholic churches and works as a FINRA arbitrator. Cambridge Investment Research Advisors serves a diverse clientele of individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm employs thousands of financial professionals and provides a range of discretionary and non-discretionary management platforms along with proprietary model strategies.

Moni Engineer is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, Engineer worked at Bank of America and Capital One Bank, accumulating a total of 20 years in the banking sector. 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 serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Scott Geisbert is a CFP® with 22 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Grove Point Investments, Grove Point Advisors, H.Beck, Inc., and Osaic FA, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, institutions, and retirement plan participants. The firm provides diverse investment options, including model portfolios and third-party asset management, supported by technology tools for operational and research assistance.

Brett Baile is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2023. Outside of his advisory role, Brett is a partial owner of Beaver Creek Country Club, a golf course in Hagerstown, MD, and has provided consulting services for a landscaping and snow removal company. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Cherie Edwards is a Private Wealth Advisor at Merrill Private Wealth Management and a member of The Orr Group. She works with a select group of clients including entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. Cherie's role involves organizing and simplifying her clients' financial lives to help them focus on meaningful personal and professional pursuits. She began her career at Merrill in 1999 and is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Cherie graduated from East Carolina University with a bachelor's degree in Financial Services. Her expertise includes wealth planning strategies, analysis, portfolio reviews, and assisting clients with multigenerational family wealth dynamics and governance. Outside of her professional work, Cherie and her husband Shane have three children and are active in their local youth baseball program, often coordinating and volunteering. Her personal interests include baseball, boating, skiing, spending time with her family, and traveling.

Marcus Hull is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and offering 25 years of industry experience. He has been with RBC Capital Markets since 2009 and has also worked at City National Bank since 2018. Outside of his advisory role, Hull serves on the Board of Directors for the Three Rangers Foundation, a veteran service organization. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides various advisory programs that offer discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Matthew Owens is a CFP® professional with seven years of experience in financial advising, currently with Edward Jones since 2019. Prior to joining Edward Jones, he spent nine years at PGC Landscape. He serves as a board member at the Delaplaine Arts Center in Frederick, MD, where he supports the organization’s community engagement efforts. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, separately managed accounts, and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Michael Dailey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to pursue financial objectives through a focused and proactive approach to wealth management, emphasizing wealth accumulation, preservation, and the transition of assets to the next generation. Michael assists clients in simplifying complex financial challenges by taking time to understand their priorities. His expertise includes divorce transition planning, education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Michael holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree in Economics from the University of Maryland. A native of Maryland, he currently resides in Frederick, MD. In his personal time, Michael enjoys fishing, golfing, skiing, and spending time with his family.

James Wilson Jr. is a financial advisor with UBS Financial Services in Frederick, MD, holding a Series 66 designation and bringing 23 years of industry experience. His prior roles include positions at Steward Partners Investment Solutions, Raymond James Financial Services, and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.