Jason Jennings is a financial advisor with LPL Financial in Frederick, MD, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. He previously worked at Merrill from 2001 to 2009 before joining LPL Financial in 2009. Jennings is also involved with Key Financial Group, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Andrew Smith is a financial advisor at Fidelity with four years of industry experience and holds the Series 66 designation. His prior roles include positions at Merrill, Fis, T. Rowe Price Investment Services, and Pruco Securities LLC. Before entering the financial sector, he worked for Baltimore County Public Schools for 11 years. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, model portfolios, and fund advisory services.

Nicole Dayball is a financial advisor at Ameriprise with one year of industry experience. She holds a Series 66 designation and has worked at Ameriprise since 2022. Prior to her advisory role, she spent time at Salisbury University and Chesapeake High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Louis Sitnik is a financial advisor with RBC Capital Markets in Gaithersburg, MD, holding Series 63 and Series 65 licenses and possessing 36 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Credit Suisse Securities, and Pershing LLC. Outside of his advisory work, he serves as a FINRA arbitrator and is involved with the Alliance College Alumni Association as a board member and treasurer. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers advisory programs with customizable portfolio management and integrates various investment managers and strategies tailored to each client’s risk profile.

Mark Van Bibber is a financial advisor at Thrivent Investment Management with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones, Equitable Advisors, LLC, Valic Financial Advisors, and Agia. Outside of advisory work, he is appointed as an agent to sell non-securities insurance products for AGIA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers goal-based, holistic analyses covering various planning areas and separates planning services from managed-account programs under a consolidated billing option called “WealthPlan.”

Nirman Vijayamohan is a Series 66 licensed financial advisor with J.P. Morgan Securities, based in Ijamsville, MD. He has experience at Merrill Lynch and Bank of America, as well as prior roles outside the financial industry including Amazon.com and various entrepreneurial ventures. Vijayamohan has been involved with Sree Manjunatha Enterprises since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a selective group of Wealth Advisors, focusing on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities.

Jeffrey Motsco is a CFP® professional with 33 years of industry experience, currently affiliated with Cetera. His prior roles include positions at VOYA Financial Advisors and operating his own firm, Motsco Financial And Insurance, for 30 years. He serves as treasurer of the Columbia Business Exchange, a networking group, and is president of the Linden Grove Homeowners Association. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

George Feys is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has been with Raymond James Financial since 2008 and was previously affiliated with Seneca Wealth Strategies, LLC. Outside of his advisory role, he owns and operates a sustainable family farm in Beallsville, MD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports institutional consulting across a large advisor network, with unique capabilities including municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting program.

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.

Thomas Rowan is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, Morgan Stanley, and involvement with University of South Carolina Athletics. Outside of finance, he has been affiliated with Columbia Country Club and the Sutherland Christmas Tree Market. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Deren Reid is a financial advisor at Fidelity with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms, including Citigroup Global Markets and Legg Mason Wood Walker. Reid has been with Fidelity and its affiliated entities since 2010. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and may delegate management to sub-advisers while maintaining oversight controls.

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.

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.

Geoffrey Magee is a financial advisor with Primerica Advisors in Gaithersburg, MD, holding Series 63 and Series 65 licenses and 26 years of industry experience. He has been with Primerica Advisors and Primerica Financial Services since 1998. In addition to advisory work, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating primarily on a tiered wrap-fee structure.

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.