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.

William Orr is a Private Wealth Advisor at Merrill Private Wealth Management. He founded The Orr Group in 1989 to assist ultra-affluent families and individuals in managing significant wealth. William focuses on creating customized investment strategies, including investment planning, asset allocation modeling, and manager selection. He also guides clients in establishing family foundations and provides financial education for the next generations. A key component of his work involves collaborating with clients' external advisors, such as accountants and attorneys, to coordinate asset, liability, and wealth transition management strategies. William serves a select clientele comprising entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. He is committed to building close, long-term relationships with clients and team members. William holds the Certified Investment Management Analyst® (CIMA®), Personal Investment Advisor (PIA), and Sports & Entertainment (SE) designations. He earned a Bachelor's Degree from Clemson University, where he developed a lifelong friendship with his business partner, Tim Mellott. In addition to his professional commitments, William is involved with the Frederick Memorial Signature Gifts Committee. His personal interests include biking, boating, golfing, hiking, skiing, and traveling.

Steven Cavagnaro is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. His prior work includes positions at M and T Securities, Truist Investment Services, Chevy Chase Financial Services, and Citicorp Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of advisors and advanced operational tools.

Matthew Misiaszek is a financial advisor with Equitable Advisors in Frederick, MD, holding Series 63 and Series 65 licenses and having 15 years of industry experience. He has worked with Equitable Advisors since 2010, including its predecessor, Axa Advisors LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients by providing financial planning, retirement plan consulting, and various asset-management programs. The firm employs a range of advisory models, including third-party TAMPs and proprietary programs, and offers ERISA fiduciary services to qualified plans.

Timothy Mellott is a Private Wealth Advisor at Merrill Private Wealth Management and a partner of The Orr Group. He works with a select group of clients, including entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. His approach centers on understanding clients' short- and long-term goals, risk tolerance, and liquidity needs to develop tailored wealth management strategies. Tim focuses on creating strategies aligned with specific outcomes and timeframes. He collaborates with clients' outside advisors to implement asset management, liability management, and wealth transition plans. His services include philanthropic planning and financial education for subsequent generations. He holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Clemson University, where he was a member of the wrestling team. In addition to his professional work, Tim is involved in coaching and mentoring through community initiatives, including the Fellowship of Christian Athletes. He values building client relationships based on trust and a consultative approach that involves attentive listening to clients' financial preferences and objectives.

Kelly Batey is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has been with LPL Financial since 2010. Outside of his advisory role, he operates Sterling Financial Management, Inc. and Batey Group LLC as DBAs associated with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad platform of advisory and brokerage services. The firm supports a large network of investment adviser representatives who utilize a range of investment strategies and technologies.

Deborah Frey is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including LPL Financial and Cetera Advisor Networks. She is based in Frederick, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and investment models.

Beth Mason is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and 12 years of industry experience. She has been with Morgan Stanley since 2015. Outside of advising, she is a notary, providing document verification services. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm employs structured planning tools and investment modeling but generally acts in an advisory capacity without providing individual security recommendations as part of standalone planning.

Bradley Myers is a financial advisor with Edward Jones in Middletown, MD, holding Series 63 and Series 66 credentials and bringing 19 years of industry experience. He has been with Edward Jones since 2006. Outside of his advisory role, he serves as Finance Director for the Middletown Area Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies and advisory services. The firm manages over $1 trillion in assets and supports a large network of financial advisors and branch offices nationwide.

Eric Pfoutz is a financial advisor at Edward Jones with 13 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2012. Outside of his advisory role, he is an owner of a rental property business, Away At The Bay LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jean Joyce is a financial advisor at Morgan Stanley with 30 years of industry experience. She holds the Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank since 2015, at Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets and Legg Mason Wood Walker. Outside of her financial advisory role, she is a partner in Jover Fine Art Productions, a retail and online art business based in Frederick, Maryland. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct engagements and corporate financial planning agreements.

Ryan Fabian is a financial advisor with LPL Financial, holding Series 66 and Series 63 designations and six years of industry experience. His prior work includes roles at M&T Bank, World Equity Group, Inc., Wealthvest, and The Leaders Group Inc. He is based in Damascus, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services with access to model portfolios, third-party asset management, and institutional platforms.

Kiley French is a Financial Advisor at Merrill Lynch Wealth Management. She is dedicated to helping individuals and families achieve their financial goals through a personalized planning process that begins with understanding each client's unique situation, values, and goals. Kiley focuses on creating tailored strategies that align with clients' needs and lifestyles, empowering them to pursue what matters most. Kiley discovered her passion for financial advising while attending Pennsylvania State University, where she earned her bachelor's degree. She launched her career at Merrill Lynch upon graduation and built her practice with an emphasis on client education, believing that financial planning is most effective when clients understand not only what they are doing but why they are doing it. She holds the designation of Personal Investment Advisor (PIA). Residing in Boonsboro, Maryland, Kiley lives with her husband, daughter, two stepsons, and their dog, Diggs. Outside of her professional work, she enjoys cooking, golfing, hiking, spending time with her family, playing volleyball, and watching movies.