Cynthia Hutchins is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Merrill since 1998. Outside of her advisory role, she participates annually in a University of Southern California collaborative focused on financial and workplace security for family caregivers. 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 both model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Kelley is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 66 designations and has been with Charles Schwab since 1999. Outside of his advisory work, he manages a rental property in Towson, Maryland. Charles Schwab serves a large client base primarily consisting of 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 both non-discretionary and discretionary investment options, combining centralized custody and brokerage with access to alternative investments and multi-asset model portfolios.

Steven James is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 11 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corporation and T. Rowe Price. 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 investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and technology-driven strategies.

Ryan Engles is a Financial Advisor with Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies that align with their individual goals and priorities, focusing on areas such as retirement planning, college education planning, family wealth management, legacy planning, tax minimization, and socially responsible investing. He brings experience in helping clients navigate the complexities of wealth planning by providing clear and personalized advice. Ryan holds a Bachelor's Degree from Babson College and has earned the Personal Investment Advisor (PIA) designation. He emphasizes understanding clients' personal perspectives to create strategies tailored to their financial objectives. Residing in Towson, Maryland, Ryan is involved in his community through youth sports with Towson Rec. Outside of work, he enjoys coaching and staying active with activities including running, basketball, baseball, football, pickleball, chess, and table tennis.

George Raduano is a Financial Advisor with Thrivent Investment Management, holding a Series 66 credential and one year of industry experience. Prior to joining Thrivent in 2025, he worked for nearly three decades at Trinity Assembly of God. He serves as Chairman of the Board for Ascent College, a biblical education institution focused on leadership formation. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial planning without portfolio management or discretionary trading authority. The firm emphasizes holistic planning across multiple financial topics and integrates planning with managed-account services under a consolidated billing option.

Mary Burrows is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Her prior work includes positions at Grove Point Investments, Apple Investment Advisors, and H. Beck, Inc. She maintains involvement with Apple Investment Advisors in a non-variable insurance role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations nationwide. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by proprietary and third-party research.

Justin Muhl is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He began his career in the financial services industry in 2006 and has held various positions including Financial Consultant and Investment Consultant at Fidelity Investments, as well as roles at T Rowe Price and Northwestern Mutual Investment Services. With extensive experience spanning over a decade, Justin has developed expertise in financial consulting and investment services. His professional journey reflects a consistent commitment to partnering with clients to understand their financial goals and develop customized financial plans. Justin emphasizes building strong relationships with clients and their families, focusing on trust, reliability, and competency in his work.

Meylin Mauldin is a Financial Consultant at Fidelity Investments, where she collaborates with clients to design retirement plans aimed at meeting their goals. She emphasizes a holistic approach to financial planning, considering both lifestyle and legacy to help clients achieve a more fulfilled retirement. Her professional experience includes roles as a Financial Consultant at Fidelity Investments since 2021, an Investment Consultant at Fidelity from 2020 to 2021, a Financial Consultant at T. Rowe Price from 2017 to 2020, a Financial Representative at MetLife Premier Client Group from 2015 to 2016, and a Registered Banker at Wells Fargo Bank from 2013 to 2015. Outside of her professional work, Meylin has interests in art, the beach, food, golf, music, and running.

Ryan Strasdauskas is a CFP® with 10 years of industry experience. He is currently with LPL Financial and has previously worked at Cambridge Investment Research Advisors and Advanced Financial Consultants. Outside of his advisory role, he is involved in tax preparation and accounting services through Advanced Tax, Accounting & Software Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Austin King is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill since 2019 and is also a board member of the Industry Advisory Council at Towson University, supporting the university’s StarTUp Accelerator program. 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, offering a variety of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

John Fuggi is a financial advisor with Robert Baird & Co. in Towson, MD, holding Series 65 and Series 63 licenses and bringing 14 years of industry experience. He has worked at Baird since 2023, following nine years at Franklin Distributors LLC and seven years at Legg Mason & Co LLC. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individual, corporate, pension, and charitable clients with services including financial planning, portfolio management, and custody and brokerage. Baird employs a combination of manager-traded and model-traded strategies with ongoing manager selection and monitoring supported by internal research and tools, including artificial intelligence.

Brittany Stafford is a financial advisor at Robert Baird & Co. with one year of industry experience. She holds Series 66 and Series 63 licenses. Prior to joining Baird in 2021, she worked at Howard County Public Schools and The Forbush School in Hunt Valley. She is part of The DDK Group within Robert W. Baird’s Private Wealth Management department, which serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed account programs, and custody and brokerage services.

Rachel Burk is a financial planner with Cetera, holding a Series 66 designation and three years of industry experience. She has worked at several financial services firms, including Kestra Advisory and Offit Advisors. In addition to her advisory role, she is an intake coordinator at The Naomi Center, a mental health care provider. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and various program structures, with over $256 billion in assets under management and a network of more than 10,000 advisors.

Jessica Nyce Parker is a Planning Consultant at Fidelity Investments, a role she has held since 2023. In this capacity, she assists her Vice President, Financial Consultants, and their clients by providing service and planning assistance aimed at helping clients pursue financial independence. Her professional experience in the financial services industry includes previous roles at Fidelity Investments as a Relationship Manager from 2022 to 2023 and as a Financial Representative from 2021 to 2022. Prior to joining Fidelity, she worked as an Associate Advisor at WMS Partners from 2018 to 2020, as a Financial Services Representative at MassMutual from 2016 to 2018, and as a Financial Representative at AIG from 2014 to 2016. Outside of her professional career, Jessica has interests in art, cooking and baking, fitness, hiking, parenthood, and pets.

Devin Foudos is a financial advisor at Merrill with Series 66 and Series 63 licenses and four years of industry experience. His prior positions include roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities LLC, Charles Schwab, and Northwestern Mutual. 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.

William Benassi is a Senior Financial Advisor with Merrill Lynch Wealth Management. He began his financial advising career in 1984 and offers expertise in areas including college education planning, equity compensation services, philanthropic planning, retirement income, tax minimization, and wealth management for individuals, small businesses, and nonprofit organizations. Mr. Benassi earned a Bachelor of Arts in Political Science from Roanoke College in 1984 and completed an MBA in International Finance through the University of Hartford’s American MBA in Paris program in 1994. He holds the Personal Investment Advisor (PIA) designation and serves on the Board of Trustees for Notre Dame Preparatory School. Additionally, he is co-chair and co-founder of the Roanoke Men's Lacrosse Legacy Alumni Committee and contributes to the Roanoke College Lacrosse Alumni Legacy Committee. He resides in Towson with his wife, Pilar, and their two children. Mr. Benassi is actively involved in community efforts, including Swim Across America-Baltimore to support cancer research, and volunteers as a coach and executive for various athletic programs.

Ashley Zephir is a CFP® with 21 years of experience in financial advisory. She is currently with Edelman Financial Engines, where she has worked since 2016, including prior roles at Financial Engines Advisors L.L.C. from 2018 onward. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm employs a committee-driven proprietary modeling process combined with planner delivery and online tools, focusing on diversified model portfolios and long-term strategies.

Brian Penn is a financial advisor at Robert W. Baird & Co. with 39 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Robert W. Baird since 2009. Penn serves as an Investment Committee Member for Associated Jewish Charities in Baltimore. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and charitable organizations. The group offers tailored consulting and portfolio services, including discretionary and non-discretionary management, with a focus on customized strategies using both in-house and third-party managers.

Joseph Mccann is a financial advisor at Robert W. Baird & Co. with 25 years of industry experience. He has been with Robert W. Baird & Co. since 2009 and holds Series 63 and Series 65 credentials. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers customized financial planning and portfolio management services, utilizing a range of strategies including discretionary management, separately managed accounts, and overlay services.

Jason Harris is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers a range of consulting and portfolio services tailored to client goals and risk tolerances, including discretionary and non-discretionary management, separately managed accounts, and overlay services.