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.

Richard Kilroy is a financial advisor with Raymond James & Associates in Clarksburg, MD, holding a Series 66 credential and six years of industry experience. His prior roles include positions at Morgan Stanley, Wells Fargo Clearing, Burke & Herbert Bank, Redmayne Bentley, and Investec Wealth & Investment. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide client base including individuals, institutional and pension plans, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary services through various advisory programs.

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.

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.

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.

John Norberg is a CFP®-certified financial advisor with eight years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2023, he worked at Edward Jones for five years and has experience in the restaurant and solutions sectors. Outside of his advisory role, he has been involved with Norberg Wealth Management and serves as a Colonial Life insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Elizabeth David is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. She currently works at Edward Jones, where she has been since 2023, and previously spent 16 years at Blue Heron Financial Group, formerly affiliated with LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Peter Loysen is a financial advisor with Edward Jones in Frederick, MD, holding a Series 66 designation and 19 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Jeffrey Wheeler is a CFP® with 22 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at VOYA Financial Advisors and Frontier Financial Group. Wheeler also maintains a role as a non-variable insurance agent through Frontier Financial Group. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutional entities. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Scott Katzenbarger is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise Financial Services, Inc. for 14 years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management along with research-supported model portfolios.

Michael Brezovec is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Ameriprise Financial Services, Inc. for 14 years. In addition to his advisory work, he serves as a firearms instructor and is involved in deer management through Phillips Farm in Adamstown, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supporting both discretionary and non-discretionary management with access to model portfolios, third-party research, and various investment strategies.

Keyoor Brahme is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with PFS Investments Inc, Primerica Financial Services, and Equinoxys. Outside of his advisory role, Brahme is the founder and treasurer of Prabalta Inc, a non-investment related venture. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-based and separately managed account strategies under a wrap-fee structure. The firm curates third-party asset managers and integrates trading and custody services through established partners.

June Burton is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. She holds Series 65 and Series 63 licenses. Her prior work experience includes roles at New York Life Insurance Company and NYLife Securities LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a variety of portfolio management strategies and platform arrangements.

Anneliese D'souza is a CFP® professional with 28 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2005. She holds Series 63 and Series 65 licenses and operates as a sole proprietor through D'Souza Financial Strategies. Outside of her advisory role, she volunteers at Saint Katherine Drexel Church. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered via a network of independent Financial Professionals using a range of discretionary and non-discretionary investment platforms and strategies.

Glenn Hain serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads the Hain Dailey Team, providing personalized advice and guidance to help clients design and implement customized wealth management strategies. The team focuses on simplifying the complexities of financial life to help clients achieve their financial goals. With over 22 years of experience in the financial services industry, Glenn has expertise in corporate benefits, executive compensation, retirement and legacy planning, tax minimization, and services for endowments, foundations, and non-profits. His credentials include the Chartered Financial Consultant® (ChFC®), Chartered Retirement Plans Specialist™ (CRPS™), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA) designations, equipping him to navigate complex financial products and tailor strategies to unique client needs. Glenn holds a Master's Degree from Frostburg State University and a Bachelor's Degree from Mainsfield University. He is actively involved in community organizations such as the Blue Collar Project, Boys & Girls Club of Frederick County (where he served as past board chair), and the Rotary Club of Frederick, MD. Outside of his professional commitments, Glenn enjoys gardening, golfing, ice hockey, woodworking, and spending time with his family.