Craig Lestner is a CFP® professional with 27 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2007. He also serves as an independent insurance agent and notary public through The Legacy Group, where he has been active since 2005. Additionally, he is a committee member of the Associated Jewish Community Federation of Baltimore. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, employing various portfolio management platforms and including both proprietary and third-party strategies.

Brian Griffin is a Financial Consultant currently working at Fidelity, where he has held various consultant roles since 2021. His career progression at Fidelity includes positions as a Workplace Planning Consultant, Planning Consultant, Financial Consultant 1, and currently as a Financial Consultant since 2024. Brian's professional approach centers on developing financial strategies tailored to his clients' individual needs. He emphasizes meeting clients where they are, respecting their decisions and boundaries, and collaborating to design custom financial plans. His goal is to build relationships that extend beyond professional interactions, fostering a personalized and comfortable environment. Outside of his professional work, Brian enjoys activities such as biking, fitness, hiking, kayaking, music, and parenthood.

Karl Porter is a Senior Vice President, Wealth Management Advisor, and Senior Portfolio Advisor with The Pearce Group at Merrill Lynch Wealth Management. He has been with Merrill since 1998 and previously worked with Morgan Stanley and Dean Witter. Karl holds the Certified Investment Management Analyst® designation earned in conjunction with the Wharton School, University of Pennsylvania, and the Investments & Wealth Institute™. He is also a Retirement Benefits Consultant and a member of a specialized group of Merrill Financial Advisors registered with the Firm's Defined Contribution Investment Consulting (DCIC) platform. Karl is a member of the National Association of Plan Advisors (NAPA) and holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible investing, values-based and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Prior to his career in financial services, Karl gained extensive experience in the real estate industry. He attended Boston University and received his bachelor's degree from the College of the Atlantic. Additionally, he has worked as a researcher for The Smithsonian Institution. In 2023, Karl was recognized as a member of The Pearce Group on the FORBES "Top 100 Private Wealth Teams in America" list. Outside of his professional work, Karl enjoys boating, fishing, football, reading, scuba diving, spending time with his family, and traveling.

Aaron Kelly is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Financial since 2024. He previously worked at Lincoln Financial Advisors Corporation from 2015 to 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management services through a large network of advisors and utilizes various advisory platforms and tools.

Joshua Ernest is a Series 66-licensed financial advisor with seven years of industry experience. He currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously held roles at GWFS Equities, Advised Assets Group, Bank of America, and Merrill. Outside of finance, he is an owner and partner at Reefer Madness, LLC, a business involved in the sales of live coral reef animals. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Dale Harris is a financial advisor at Stifel with Series 63 and Series 65 licenses and three years of industry experience. He has held various roles prior to joining Stifel, including positions in education and small business. He is also Co-Head of the Finance Committee for The Albert Cesky Scholarship Fund, a nonprofit providing college scholarships to student athletes in Harford County. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies developed by its Investment Strategy Group and includes comprehensive financial planning solutions.

Gerrit Shuffstall is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings a unique perspective to financial advising, having transitioned from a career in architecture to finance in 2014. Gerrit specializes in guiding young couples and emerging professionals who are accumulating wealth, helping them develop integrated strategies to achieve both short-term and long-term financial goals. His expertise includes executive compensation, small business strategies, and retirement income planning. Gerrit also has experience serving clients in the aerospace and defense industry and those facing liquidity events due to mergers and acquisitions. Gerrit holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Investment Management Analyst (CIMA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Business Communications and Marketing from Mercyhurst University and a Master's degree from the School of Architecture and Planning at Morgan State University. Additionally, he is involved in managing 401k development and design, providing investment recommendations, and educating plan participants. Beyond his professional work, Gerrit is active in the Towson neighborhood community association and coaches youth sports such as baseball, basketball, and lacrosse. He also serves as an assistant scout master for Scouting USA Troop 729 and volunteers with community greening and tree planting activities. Gerrit resides in the Anneslie neighborhood with his wife, Margaret, and their two children.

Andrew Fletcher is a financial advisor with LPL Financial in Bel Air, MD, holding Series 63 and Series 66 credentials and 20 years of industry experience. Prior to joining LPL Financial in 2021, he worked at M&T Securities, Inc. and MSI Financial Services, Inc. from 2013 to 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and technology tools.

Gary Moulsdale is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 designations and bringing 28 years of industry experience. His prior work includes roles at Bank of America and Merrill Lynch. He is the owner of GKM Holdings, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work, along with specialized advisory programs.

William Watson is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and 31 years of industry experience. His previous roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Crown Capital Securities, Guardian Life, and Equity Services, Inc. Watson also markets his advisory services under Frame Wealth Partners. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional clients, utilizing model-driven investment implementation and offering access to third-party asset managers and various financial planning services.

Colin Meeks is a CFP® with 32 years of industry experience, currently serving as a financial advisor at LPL Financial since 2012. He previously worked with National Planning Corporation, VOYA Financial Advisors, and Locust Street Securities. In addition to his advisory role, he owns a home-based vending business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, leveraging both proprietary and third-party strategies across a broad platform.

Li Wen Kang is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Towson office since December 2010. He has extensive experience spanning from 1992 to 2010 in investment banking and money management, having worked in New York, London, and Baltimore. His expertise includes family wealth management strategies, services for endowments, foundations, and non-profits, LGBT wealth planning, personal retirement planning, philanthropic planning, portfolio management services, socially responsible and values-based investing, tax minimization, and retirement income. Li holds a Bachelor's degree from Harvard University and is a Personal Investment Advisor (PIA). He serves on several professional boards, including the Baltimore School for the Arts Board of Trustees—where he is Vice Chair and leads the strategic planning committee—Shriver Hall Concert Series, and the Harvard-Radcliffe Orchestra Foundation. Fluent in Chinese and English, Li lives in Baltimore with his wife and their twin boys. Outside of work, he enjoys music, traveling, spending time with his family, sports as a spectator, podcasts on sports and culture, and Friday movie nights.

Bryon Epple is a financial advisor with RBC Capital Markets in Bel Air, MD, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has worked at RBC Capital Markets since 2008 and more recently at City National Bank since 2019. Outside of his advisory role, Epple serves as treasurer for a local community soccer program. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with customizable portfolio management and financial planning services.

Richard Faraone is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 29 years of industry experience. His prior roles include positions at Lincoln Financial Advisors Corp. for 22 years and Ameriprise for five years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology tools and a broad network of over 22,800 advisors.

Stephanie Muhl is a financial advisor at Fidelity with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has worked within various divisions of Fidelity since 2016. Outside of her advisory role, she serves as an office assistant at Hunt Valley Truck and Trailer, where she handles payroll, accounting, human resources, budgeting, and marketing. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios and manages oversight of affiliated and unaffiliated sub-advisers.

John Lackovic is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 25 years of industry experience. He has been with LPL Financial since 2021 and concurrently associated with M and T Securities since 2009. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive technology and a large network of advisors.

Peter Miller serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Venture Services Group in August 2012 and is primarily responsible for co-managing the team’s stock distribution process, coordinating market research and analysis dissemination, and assisting with fund level and limited partner level trading activities. Peter holds a Master of Science in Finance from the McIntire School of Commerce at the University of Virginia. He also earned a Bachelor of Arts with distinction in Economics and History from the University of Virginia. He holds the professional designation of Personal Investment Advisor (PIA). In 2023, Peter was recognized on the Forbes “Best-in-State Next Generation Wealth Advisors” list, which considers advisors based on factors such as client retention, industry experience, compliance records, and firm nominations.

Bryan Carney is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team of professionals focused on providing investment management and personalized financial advice to individuals and families. With over 30 years of experience in the industry, Bryan specializes in delivering customized guidance across multiple generations. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Mount St. Mary’s College. In 2019, Bryan was named to the Forbes "Best-in-State Wealth Advisors" list, based on a selection process that included industry experience, client retention, and compliance reviews.

Alan Vassar is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as president of the Walker Station Homeowners Association and is a board member of the Ritz Condominium Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Robert Brusak is a Series 66-licensed financial advisor with Cetera in Phoenix, MD. He has experience in the financial industry dating back to 2010, including roles at T Rowe Price, Stanley Black and Decker, and McCormick before joining Cetera and affiliated entities in 2026. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.