David Rauseo is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 designations and has 24 years of industry experience. He has worked at Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 2002. In addition to his advisory role, he is an insurance agent involved in brokerage activities for various life, health, annuity, disability income, and long-term care insurance products. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charities, and employers. The firm offers financial planning, asset management, and educational programs, utilizing analytical tools to support goal-based recommendations.

Andrew Riggle is a CFP® professional with 29 years of industry experience, currently serving as a financial advisor at Cetera since 2023. He has been with Cetera Wealth Services, LLC since 2013 and also operates Riggle Wealth Group, LLC, providing financial planning and investment management. Riggle serves as a board member of the VNA of Hanover and Spring Grove endowment and participates on the investment committee for the Dataw Island Owner's Association. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Brian Mohler is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 2007 and joined Merrill in 2014. Brian serves as the team's dedicated wealth management planner and also supports relationship management and client development within The Frank, Finney, Mohler & Browne Group, a team of Merrill financial advisors serving families and institutional clients. Brian specializes in areas including education planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., the Chartered Retirement Plans Specialist (CRPS) designation, and the Personal Investment Advisor (PIA) designation. He earned his bachelor's degree in International Business & Management from Dickinson College in 2007. Brian is involved in the community through The Y in Central Maryland. He lives in Cockeysville, Maryland with his wife Lindsay and sons Riggs, Lawrence, and George.

Luke Nuetzel is a financial advisor at Wells Fargo Advisors with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo Advisors, he held roles with the Baltimore Ravens, Augusta National Golf Club, and the United States Golf Association. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services, including retirement, education, and specialized planning such as business-owner transition and sports & entertainment planning.

Brandon Reichert is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase, LPL Enterprise, Prudential, Wells Fargo, T. Rowe Price, and Transamerica. 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 range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Josie Scramlin is a financial advisor at Stifel with a Series 66 designation and one year of industry experience. Prior to joining Stifel, she held various roles including positions at Tri-State Bird Rescue and Data Networks. Stifel serves a wide range of clients, including individuals, institutional entities, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling to guide asset allocation and financial planning.

Daniel Lacey is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping clients manage their financial goals through personalized strategies. He focuses on areas such as family wealth management, personal retirement planning, philanthropic planning, and tax minimization. Daniel works closely with clients to define their objectives and develop portfolio strategies tailored to their needs, providing ongoing advice and adjustments as circumstances evolve. Daniel entered the financial services industry in 2021 and became fully licensed in 2022. He holds a bachelor's degree from Towson University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He combines technical knowledge with a communicative approach to assist clients in making informed decisions. Outside of his professional responsibilities, Daniel lives in the Canton neighborhood of Baltimore City with his wife and their rescue dog. He enjoys cooking, music, spending time with family, and watching movies. Additionally, he supports local organizations in his community.

Matthew Bleach is a Series 66-registered financial advisor with Merrill, based in Hunt Valley, MD, and has 25 years of industry experience. He has been with Merrill since 2004 and affiliated with Bank of America, N.A. since 2011. 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.

Nicholas Sebastian is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides comprehensive, goal-based wealth management strategies to individuals, families, business owners, and executives. His expertise includes investment management, retirement planning, estate and legacy planning coordination, tax-aware strategies, and retirement plan consulting. With two decades of experience, Nicholas holds the Certified Financial Planner™ (CFP®), Certified 401(k) Professional® (C(k)P®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) designations. He earned a Bachelor's Degree from the University of Maryland College Park. His approach emphasizes a holistic view of clients’ financial situations, aligning strategies with personal priorities and life stages, and maintaining a disciplined, long-term perspective. Outside his professional role, Nicholas is involved in community activities such as coaching youth sports. He enjoys spending time with his family, traveling, and engaging in various recreational activities including baseball, boating, cooking, fishing, football, golfing, reading, and watching movies.

Jeffry Ambrose is a financial advisor with Equitable Advisors in Freeland, MD, holding a Series 66 designation and 17 years of industry experience. He has worked with Equitable Advisors since 2008, including its predecessor AXA Advisors LLC. In addition to his advisory role, he serves as an administrator or executor of estates and trustee of trusts for family and non-family members. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Yale Hoffberg is a CFP® professional with nine years of industry experience, currently affiliated with RBC Capital Markets and City National Bank. His prior experience includes a role at Exponential Interactive, Inc. Yale is active in community and nonprofit organizations, serving on the Alumni Board of Governors for Gilman School, participating in LifeBridge Health’s Leadership Society, and sitting on the Board of Directors for Levindale Hebrew Geriatric Center and Hospital. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning services through multiple advisory programs.

Jennifer Yapsuga is a financial advisor at Mass Mutual Investors Services with a Series 65 designation and less than one year of industry experience. Her prior work includes roles at Morgan Stanley and a seven-year tenure at Garrison Forest School. She has also worked at Camp Skylemar for three years. 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, delivering collaborative, annual planning engagements using firm-approved analytical tools.

Jeffrey Brown is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked for T. Rowe Price for five years and was briefly involved with GT Pizza. He has been with Merrill since 2017. 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 model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutions.

Blaise Ahearn is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2014. He serves on the board of directors for the Hampden Community Council, contributing to community projects. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and banking offerings.

Timothy Ohm is a financial advisor with Cetera who holds a Series 63 designation and has 25 years of industry experience. He has held roles with Cetera and affiliated firms since 2004 and operated Miller Brown Ohm & Associates, providing tax and payroll preparation services, where he serves as president and owner. In addition to financial advising, he is licensed to sell fixed insurance products, including life insurance, annuities, and long-term care. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, financial planning, and access to third-party managers across discretionary and non-discretionary program structures.

Edward Myers is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2009. He holds the Series 66 designation and is based in Westminster, MD. Myers is also the owner of Kairos Wealth Advisors, LLC, a business entity established to manage the lease of his Raymond James office location. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser that manages 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 solutions.

Andrew Shaffer is a CFP® professional with nine years of industry experience, currently an advisor at OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and Heritage Financial Consultants, LLC for one year. His other business activities have included soliciting clients for investment and annuity products at Heritage Financial Consultants. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Susan Sadler Woelper is a financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS Financial Services Inc. since 2009 and holds Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kathryn Hoyle is a CFP® professional affiliated with LPL Financial in Hunt Valley, MD. She has eight years of experience in the financial industry, including roles at Summit Financial and LPL Financial since 2018. Outside of finance, she has worked in the food service industry with Rouge Catering and Seasons Pizza, and she was also employed by Towson University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by extensive research and technology solutions.

Justin Mc Nicholas is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and eight years of industry experience. His career includes positions at Bank of America, N.A. and Merrill since 2018. Outside of finance, he has business experience with Homefix Custom Remodeling and Red Abbey LLC, along with involvement in Kipilin Farm. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines internal and third-party investment management with support for trading, account administration, and custody.