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.

Nicholas Carter is a financial advisor at Cetera with 13 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Smith Barney LLC for nine years. Outside of his advisory work, he is involved in officiating amateur and adult hockey through the Southeastern Hockey Officials Association and Hockey North America. Cetera Investment Advisers LLC serves a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services and operates a multi-manager platform that supports a range of investment strategies and program structures.

Brianna Ryland is a financial advisor at Edward Jones in Frederick, MD, holding a Series 66 designation with four years of industry experience. She previously worked at Cambridge Investment Research in various capacities from 2019 to 2025. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary investment products.

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.

Kil Chang is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2000, including a role at Charles Schwab Bank since 2005. Outside of his advisory work, he served on the Kemptown Elementary School PTA from 2018 to 2020. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a mix of non-discretionary and discretionary investment guidance, supported by multi-asset model portfolios and alternative investment due diligence, leveraging its large scale and integrated operational structure.

Stacy Allgood Smith is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 65 and Series 63 licenses and three years of industry experience. Her work history includes roles at PFS Investments Inc., Charis Realty Group, and Plastic Surgery One. Outside of finance, she has been involved in entrepreneurial ventures such as MJach Designs and Allgood Therapeutic Massage. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-HNW and high-net-worth clients, 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, delivering advisory services through model-based strategies overseen by third-party 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 bringing eight years of industry experience. Her work history includes positions at Primerica Financial Services, D4C Dental Brands, and Amedisys. In addition to her advisory role, she is involved in selling loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors is a large-scale asset management firm serving primarily individual, corporate, and charitable clients through a wrap-fee program that utilizes model-driven investment strategies managed by third parties, with support from BNY Mellon Advisors and Pershing.

Mark Searles is a financial advisor at LPL Financial with six years of industry experience. He holds the Series 66 designation and has worked previously at Grove Point Advisors, Grove Point Investments, SSN Advisory, and Medallion Financial Group. In addition to his advisory role, he is involved with Safe Money Concepts, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Thomas Evich is a financial advisor based in Frederick, MD with Morgan Stanley, holding Series 63 and Series 65 designations and 32 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized financial planning and estate strategies. The firm’s approach incorporates structured discovery conversations and advanced planning tools, serving clients both directly and through corporate financial planning agreements.

Lauren Storm is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. She has worked at LPL Financial, Sandy Spring Wealth Management, and currently at First United Bank & Trust, assisting clients with estate planning and administration. Outside of advisory work, she owns Frederick Wine House and serves as a Maryland notary. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Lyssa Tavel is a financial advisor at Morgan Stanley with 12 years of industry experience and holds a Series 66 designation. She has been with Morgan Stanley since 2016 and also operates Lyssa Tavel Interior Design LLC. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through Corporate Financial Planning agreements.

Thomas Searles is a CFP® professional with 42 years of experience in the financial industry, currently affiliated with LPL Financial since 2025. His prior roles include positions at Grove Point Advisors, LLC, H. Beck, Inc., and SSN Advisory, Inc., among others. Outside of his advisory work, he is an author and musician, with involvement in several creative projects such as "Was Once a Hero / The Marshal" and "Bill Tilghman and the Outlaws." LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs and services, combining discretionary and non-discretionary management that utilizes model portfolios and research from various sources.

Kristin Kornemann is a CFP® with 28 years of industry experience, currently affiliated with Cetera. She has held roles at several firms, including Financial Advantage Associates and Minnesota Life, and has been involved in fixed insurance sales with Erie Insurance and Financial Advantage Associates. She is also active in her community as a homeowners association president. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary program options.

Wesley Stansel is a financial advisor at Morgan Stanley in Rockville, MD, holding a Series 66 designation with five years of industry experience. He previously worked at First Command Insurance Services, Inc. and related entities from 2018 to 2019. Outside of finance, he was involved with Pazzo Pomodoro for nine years and employment at George Mason University for five years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and incorporates structured planning tools and modeling in its advisory services.

Kevin Davidson is a financial advisor with Cambridge Investment Research Advisors in Gaithersburg, MD. He holds Series 63 and Series 65 licenses and has 15 years of industry experience, including 17 years with Allstate Insurance Co. He is also involved as an agent with Tomasetti Wealth, operating under Montgomery Financial Partners. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing various portfolio management and model-based solutions tailored to client objectives.

David Frank is a financial advisor with OSAIC based in Frederick, MD, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with OSAIC since 2023 and previously worked at Kramer Financial Insurance Agency and Fsc Securities Corporation. Outside of his advisory role, he serves as Head Coach for the United States of America Deaf Track and Field national team and is a member of the Deaf American Distance Running Hall of Fame Advisory Committee. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutions through a large network of affiliated advisors. The firm utilizes a range of tools and platforms to deliver integrated brokerage and advisory services, offering customized portfolios and access to multiple third-party money managers and investment solutions.

Grant La Gasse is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. He has worked at Cetera and Cetera Wealth Services since 2023 and has been affiliated with Financial Advantage since 2018. Prior to his financial services career, he spent 13 years at the U.S. Food and Drug Administration. In addition to his advisory work, La Gasse serves as an instructor on retirement planning at Montgomery College. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers portfolio management, financial planning, and access to third-party managers across various program structures and custodial relationships.

Young Kim is a financial advisor at OSAIC with a Series 66 designation and eight years of industry experience. Prior to joining OSAIC in 2025, Kim worked at Lincoln Financial Advisors for seven years and MCB Consulting LLC for seven years, where he currently provides consulting services to business owners on operations and business strategies. He is also employed part-time as a home caregiver. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs various tools such as asset-allocation models and automated rebalancing to construct portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Jessica Sewell is a Series 66-licensed financial advisor with Morgan Stanley in Frederick, MD, and has 13 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.