Brian O'Neil is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has worked since 1979. He manages individual portfolios by formulating risk-managed asset allocations focused on a select number of investments. Brian works collaboratively with clients’ attorneys and CPAs to align portfolios with estate planning goals and strategies for tax minimization. He serves a diverse client base including corporate executives, entrepreneurs, physicians, attorneys, retirees, and multiple generations across 15 states. Brian holds a Bachelor's degree in Business Administration from Loyola College in Maryland and carries the Personal Investment Advisor (PIA) designation. His areas of expertise include portfolio management, family wealth management strategies, international wealth management, liquidity management, philanthropic planning, tax minimization, and retirement income planning. In addition to his professional work, Brian serves on the Board of Trustees for The Boys' Latin School of Maryland. He lives in Ruxton, MD, with his wife Ann and is active in his community.

James Metzbower Jr. is a financial advisor at LPL Financial with 23 years of industry experience. He previously worked for eight years at Lincoln Financial Advisors before joining LPL Financial. He holds Series 63 and Series 65 designations. 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 offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research-supported model portfolios.

Danijta Torres Harris is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2015 and Bank of America, N.A. since 2024. Outside of her financial career, she has been involved with Sheraton Baltimore North since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Howard Soltoff is a financial advisor with Mass Mutual Investors Services in Columbia, MD, holding Series 63 and Series 65 designations and over 50 years of industry experience. He has been with MML Investors Services, Inc. since 1996. Outside of his advisory role, he is involved as a sales agent with Tribridge Partners, LLC, focusing on various life, health, disability, fixed annuities, and long-term care insurance products. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with planning engagements structured as ongoing collaborations that produce written recommendations based on detailed client data and firm-approved analytical tools.

Kevin Bultman is a financial advisor at LPL Financial with 37 years of industry experience. He holds the CFP® and ChFC® designations and has worked previously at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He is also involved with The BJ Executive Group, a business entity used for tax and investment purposes. LPL Financial is a national 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 brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Gavin Potterfield is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at the University of Louisville, Delta Financial Advisors, and Humana Inc., as well as experience outside finance at Hightopps Bar and Grille. Merrill provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Michelle Sin is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. Michelle's approach focuses on connecting all aspects of her clients' financial lives to help prioritize and pursue their most important goals. Michelle graduated from Towson University in 1995 with a bachelor's degree in Business Administration, concentrating in Finance. She began her career at Morgan Stanley, where she worked for 10 years, followed by three years at Ferris Baker Watts before joining Merrill Lynch with her team. She holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Michelle resides in Bel Air with her husband and three sons. She is active in the Korean-American community and volunteers at her sons' schools. Her community involvement includes participation with the Bel Air Chem Free Association, Bel Air High School, Bel Air Rec Council, FOBAS, and Harford Technical High School. In her free time, Michelle enjoys cooking, music, reading, tennis, traveling, yoga, and spending time with her family.

Aaron Stephenson is a CFP® and holds a Series 66 license with 10 years of industry experience. He has been with Edward Jones since 2014, based in Bel Air, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Ferdinand Fiastro is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has 18 years of industry experience with prior roles at firms including Hornor Townsend & Kent Inc and Penn Mutual Life Insurance. Fiastro maintains an active insurance agent role, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

John Fisher is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Noor Bhatti is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, Bhatti worked in the service industry and held roles in education at Penn State Harrisburg, HACC, and Patapsco High School for The Center of The Arts. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Michael Jones Jr. is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Fidelity, Avantax, Bank of America, Merrill, and Bluemount Financial. Outside of his advisory career, he operates Sonic Squirrel Productions, providing video editing and music composition services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers.

Ramon Resendiz Jr. is a financial advisor at Merrill with a Series 66 credential. He has been with Merrill since 2023 and previously held roles in education and training, including positions at the Community College of Baltimore County and the Lansdowne High Academy of Finance. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader platform, delivering access to diverse products and services.

Tyler Grabner is a financial advisor at LPL Financial with six years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Grove Point Advisors, T. Rowe Price, and Grabner Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, corporations, and other institutions through a large national network. The firm provides a range of advisory programs and financial planning services supported by research and technology.

Stephanie Kormanis is a financial advisor with Merrill in Towson, MD, holding a Series 66 designation and over 26 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she is a general partner and managing member of Kormanis Properties LLC, a business organization related to a condominium in Ocean City, Maryland. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Brian Martin is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with MML Investors Services, Inc. since 1995 and Massachusetts Mutual Life Insurance Company since 1994. In addition to his advisory role, he acts as an insurance broker for various carriers providing life, health, fixed annuities, disability income, and long-term care insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, employing analytical tools to deliver personalized recommendations within collaborative, annual planning engagements.

Paul Taber is a financial advisor with Cambridge Investment Research Advisors, holding the CFP® and PFS™ designations and possessing 23 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2017, previously affiliated with National Planning Corporation and operating Taber Financial Services, LLC since 2002. Outside of his advisory roles, he serves as a scoutmaster for a local Boy Scout troop in Jarrettsville, MD. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides various investment solutions, including proprietary and third-party model strategies, delivered via multiple platforms with discretionary and non-discretionary options.

Paula Gay is a financial advisor at RBC Capital Markets with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Merrill for 22 years before joining RBC in 2024. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, emphasizing customizable portfolio management and integrated capital-markets capabilities.

Victoria Webster is a financial advisor with RBC Capital Markets holding a Series 66 designation. She has been in the industry since 2016, with prior experience at Merrill, SunTrust, and Fulton Financial Corporation. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party managers, providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Luke Smith is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial planning and investment management services to clients to help them achieve their financial goals. Specific details about his experience, areas of expertise, education, credentials, and personal interests have not been provided.