Scott Patterson is a financial advisor at Janney Montgomery Scott with 25 years of industry experience. He holds a Series 66 designation and previously worked at Raymond James & Associates for 15 years. Outside of finance, he performs live music at events such as weddings. Janney Montgomery Scott manages approximately $110 billion in client assets and serves a diverse client base including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations. The firm offers brokerage services, financial planning, consulting, and multiple advisory programs through a combination of in-house and third-party portfolio management.

Sarah Flora is a ChFC® credentialed financial advisor with 11 years of industry experience. She has worked at AE Wealth Management, LLC since 2017 and previously spent four years at Everest Wealth Management and Everest Investment Advisors, Inc. Flora is also an officer at Flora & DiPaula Wealth Partners, where she is involved in insurance sales. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and plan services through a platform that combines AEWM-managed, third-party, and advisor-managed models.

Michael Medinger is a CFA® charterholder with five years of industry experience. He has worked at Truist Advisory Services since 2021 and previously held roles at Wells Fargo Clearing and Wells Fargo Bank. Medinger is based in Hunt Valley, MD. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.

Elizabeth Plunkett is a financial advisor at Janney Montgomery Scott with 43 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Janney since 2019, following previous roles at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory work, Plunkett serves as a board member for the Rockfield Foundation and is a nominating committee member for the Community Foundation of Harford County. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering a range of brokerage, financial planning, and advisory services.

Lisa Fulco is a CFP® and ChFC® professional with 27 years of industry experience. She is currently with Allworth Financial, L.P., and previously held roles at Morgan Stanley and TIAA-CREF. Outside of her advisory work, she serves as Treasurer for the Graham Equestrian Center, a nonprofit focused on public involvement in horseback riding, and is a board member for the Ma and Pa Heritage Trail project in Harford County. Allworth Financial is an SEC-registered, fee-based adviser that serves individuals, qualified retirement plans, trusts, estates, and corporate clients. The firm employs customized portfolio strategies including core-satellite, index allocations, and options-based overlays, and accesses held-away employer retirement accounts via proprietary technology.

Andrew Rutherford is a financial advisor at Raymond James & Associates with a Series 66 designation and three years of industry experience. He previously worked at Morgan Stanley for six years before joining Raymond James in 2022. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

David Frank is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial services industry, having previously worked at Legg Mason, Deutsche Bank, and Morgan Stanley Smith Barney before joining Merrill in 2013. His responsibilities include portfolio management, wealth planning, and client development. David's expertise encompasses areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) designations. David graduated in 1997 from Mount Saint Mary's University with a bachelor's degree and earned his MBA from Loyola University in 2001. He currently resides in Ruxton with his wife Emmie, their son Connor, daughter Abby, and dog Gus. He serves on the board of the Greater Ruxton Area Foundation. His personal interests include cooking, golfing, skiing, and spending time with his family.

Kevin Botsford is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 49 years of industry experience. His work history includes tenures at UBS Financial Services and Bank of America, along with over 20 years at Merrill Lynch, Pierce, Fenner & Smith Incorporated. 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 offers a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Wheeler is a financial advisor at Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation with 11 years of industry experience. His prior work includes roles at Bank of America, Merrill, and multiple positions within Morgan Stanley and its related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Zachary Garber is a CFA® charterholder and financial advisor with Raymond James & Associates, where he has worked for 10 years and has 13 years of industry experience overall. He is also the CEO of Charm City Dreamers LLC, a podcast focused on interviewing individuals in Baltimore about how they have actualized their dreams. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm provides tailored financial planning and consulting services, utilizing a variety of portfolio management styles and affiliated research, while also offering municipal advisory and employer plan consulting services.

Patrick Hurdle is a financial advisor at Mass Mutual Investors Services with credentials including Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Mass Mutual Investors Services, he worked at JP Morgan and Northwestern Mutual. Outside of advisory work, he is also engaged in outside insurance sales as an insurance broker. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved analytical tools to support annual, collaborative client engagements.

Sarah Santeufemio is a CFP® professional with 18 years of industry experience, currently serving at Mass Mutual Investors Services since 2018. Her prior roles include positions at Eagle Strategies (NY Life) and PNC Investments. She is also involved in individual and group life, health, long-term care, disability insurance, and fixed annuities sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

John Beynon is a CFP® with 25 years of industry experience, currently associated with Equitable Advisors. His prior work includes roles at Stifel Independent Advisors, City National Bank, RBC Capital Markets Corporation, and Ferris, Baker Watts. Outside of his advisory work, he serves as trustee and partner in family estate and wealth planning entities. Equitable Advisors serves a wide range of clients including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset-management programs. The firm utilizes various advisory models and third-party asset managers, offering services that include mutual funds, ETFs, separately managed accounts, and ERISA fiduciary services.

Andrew Hahn is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2020. His previous experience includes roles at Bank of America and Merrill. He is also the majority owner of HAHN GP, LLC, a separate business based in Cockeysville, MD. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. The firm delivers tailored recommendations using proprietary research and planning tools, integrating advisory services with other financial products and referral channels.

David Waite is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He serves as treasurer for the Greater Summer Hill Association, a community organization in Phoenix, MD. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options and tailored recommendations supported by Wells Fargo research and tools.

Nicholas Mac Lellan is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work experience includes roles outside of financial services in various organizations such as Kennedy Krieger Institute and University of Maryland, Baltimore County. 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, and institutional investors.

Eric Mc Intyre is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Cambridge Investment Research Advisors and has prior experience at firms including OSAIC, Securities America, and Morgan Stanley. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and platform options.

Caitlin Propheter is a financial advisor at Cambridge Investment Research Advisors with four years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Janus Henderson Investors and Janus Henderson Distributors. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals utilizing a range of portfolio management and model-based solutions.

Richard Keever II is a financial advisor with Merrill, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. He has worked with Merrill since 2013 and also has been associated with Bank of America since 2019. Outside of advising, he is involved in teaching Brazilian Jiu Jitsu and Judo as a managing member of East York Brazilian Jiu Jitsu. 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, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Thomas Law is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on creating comprehensive financial strategies tailored to his clients' individual goals and priorities. He works closely with clients to understand their full financial picture and help them pursue objectives such as education planning, family wealth management, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. Thomas holds a Bachelor's Degree from Salisbury University and has earned the Professional Investment Advisor (PIA) designation. His approach emphasizes listening to clients to identify and prioritize their financial goals, whether that involves wealth transfer to the next generation, customizing financial strategies to support personal passions, or providing ongoing advice and guidance. Outside of his professional work, Thomas enjoys boating, football, golfing, hiking, running, skiing, spending time with his family, and traveling.