John Spahn is a financial advisor with Merrill in Frederick, MD, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. He has been with Merrill and its affiliate Bank of America, N.A. since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Marco Soto is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo and PNC Bank. Soto is based in Ijamsville, MD. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Valerie Walters is a financial advisor at Edward Jones with four years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices. The firm offers a range of advisory programs, including wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Rajena Guettler is a financial advisor at Osaic Wealth Inc. with a Series 66 designation and no prior industry experience. Before joining Osaic, she held positions at Kramer Financial, LLC and worked at Gallaudet University and the Maryland School for the Deaf. Guettler is also involved with Guettler Company, LLC. Osaic Wealth, Inc. serves both retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with various investment solutions. The firm employs sophisticated asset-allocation tools and supports multiple advisory platforms, including third-party managed accounts and model portfolios.

Robert Hill III is a financial advisor at Stifel with 14 years of industry experience and holds a Series 66 designation. He has been with Stifel Nicolaus & Co Inc since 2014. Outside of his advisory role, he operates Two Palms and a Hammock Studios, a business selling original art, and serves as president and sole member of Exaireo Capital Funding LLC, which holds loan notes. Stifel serves a broad range of clients including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Joseph Kefauver is a financial advisor at OSAIC with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he serves as a board member for Main Street Middletown, a nonprofit organization. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services through a large network of affiliated advisors and multiple platforms. The firm employs a range of portfolio construction tools and provides access to various investment products and third-party money managers.

Donna Lail is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations. Her prior work includes roles at M&T Bank and Bank of America, N.A. She is based in Frederick, MD. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

George Littrell III is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Littrell serves on the board of directors for Specialized Engineering, Inc., contributing to officer compensation and strategic planning committees, and is a board member of Frederick Health, where he serves on both the finance and investment committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through various financial planning and investment strategies.

Gerald Spessard II is a financial advisor with RBC Capital Markets in Hagerstown, MD, holding a Series 66 designation and 11 years of industry experience. He has worked at RBC Capital Markets since 2014 and concurrently at City National Bank since 2017. He serves on the board of The John R. Hershey Jr. and Anna L. Hershey Family Foundation, Inc., a charitable institution. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a range of in-house and third-party managers.

Ashton Vattelana is a financial advisor with Edward Jones in Hagerstown, MD, holding a Series 66 designation and four years of industry experience. Prior to joining Edward Jones in 2022, he worked at F. Hoffmann-La Roche AG in Diagnostics and AstraZeneca Pharmaceuticals. He is involved with local organizations, serving on the Community Impact Committee of the United Way of Washington County and as a board member of the Meritus Health Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and has a large nationwide network of advisors and branch offices.

Joseph Cassella is a financial advisor at Primerica Advisors with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with PFS Investments, Inc. since 2011. Cassella is also involved in sales of loan products and home-related services through affiliated companies of PFS Investments, Inc. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates nationally with nearly 3,700 advisors and focuses on delivering advisory services primarily through model-driven investment strategies managed by third parties.

Cameron Baumgardner is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 66 designation. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2025 and previously worked at Guidehouse from 2023 to 2025. Cameron has no prior industry experience before joining the financial sector. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and serves clients through a combination of direct and corporate financial planning agreements.

Karen Dattilio is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2020. Her previous roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and modeling tools to help clients develop tailored plans.

Ryan Main is a financial advisor with Morgan Stanley Wealth Management, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Charles Schwab and Optionsxpress, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Kimberly Blenckstone is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Josephine Hoffman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been involved in the investments industry since 2003 and joined Merrill Lynch in 2005. In her role, Josephine collaborates with individuals and businesses to pursue their financial goals, utilizing the banking services of Bank of America and Merrill’s investment resources to tailor investment strategies based on clients’ risk tolerance and objectives. Josephine holds a Bachelor of Science degree in Marketing with a minor in Finance from Pensacola Christian College and earned a Master’s Degree in Management and Leadership from Liberty University. She has attained several professional designations, including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her areas of expertise include personal retirement planning, legacy planning, special needs planning strategies, services for endowments, foundations, non-profits, managing new wealth, women and wealth, and retirement income. Beyond her professional responsibilities, Josephine is active in her community through volunteer work with organizations such as Frederick Baptist Church and The Scott Key Center. She is a member of The Scott Key Center and the Merrill Special Needs Network, supporting families of children with disabilities. Outside of work and community service, Josephine enjoys spending time with her husband and two daughters, engaging in outdoor activities like camping, hiking, and photography.

Christopher Sarlo is a financial advisor with LPL Financial based in Frederick, MD. He holds a Series 66 designation and has six years of industry experience, including a decade at TD Wealth prior to joining LPL Financial. His other business activity includes involvement with Life Sciences Wealth. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory and brokerage services supported by research, model portfolios, and both discretionary and non-discretionary management options.

Edith Wennick is a financial advisor with Merrill, holding a Series 63 designation and over 40 years of industry experience. She has worked at Merrill since 1984 and at Bank of America, N.A. since 2009. Outside of her advisory role, she serves as President and Board Member of the North Point Condo HOA in Ocean City, Maryland. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Jeremy Kramer is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Wennick Kramer Group. He specializes in working with high-net-worth individuals, families, and business owners, providing services tailored to help them pursue their financial goals through a goals-based wealth management approach. Jeremy and his team focus on family wealth management strategies, personal retirement planning, portfolio management services, and supporting women and wealth. Jeremy began his career in financial services in 2007 and joined Merrill as a Financial Advisor in 2015. His professional experience is informed by over eight years as a volunteer EMT, which shapes his approach to financial advising by emphasizing preparation for unexpected events. His advisory process integrates investment management, risk mitigation, and forward-looking planning to help clients protect and grow their wealth. He holds a Bachelor's degree from the University System of Maryland and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeremy is fluent in English and Hebrew. In his personal time, he enjoys baseball, golfing, racquetball, skiing, spending time with his family, and traveling. He is also committed to community involvement through volunteer work.

Danielle Thibault is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in financial and wealth management. She provides wealth management and planning services primarily to clients in Northern Virginia, Washington D.C., and Maryland, with additional clients across various states. Danielle focuses on areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management, women and wealth, and retirement income. Before joining Merrill Lynch in February 2020, Danielle served as a Financial Advisor at LPL Financial and was Director of Wealth Strategies at Capital One Financial Advisors. Her career began at Chevy Chase Financial Services. With extensive experience in both financial planning and investment management, she has created financial plans for high net worth clients and led managed money efforts at a national bank. Danielle holds a Bachelor's Degree from the University of Maine System and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). She volunteers with Platoon 22, an organization dedicated to educating the community on PTSD and veteran and first responder suicide, supporting efforts in her home community of Frederick, Maryland. Outside of work, Danielle enjoys boxing, hiking, skydiving, and spending time with her family.