Devon Gluck is a CFP® with nine years of industry experience and is currently affiliated with OSAIC. Prior to joining OSAIC, he worked at Lincoln Financial Advisors for eight years and at Maller Wealth Advisors for one year. He is also the owner and agent of Maller Wealth Advisors, Inc., where he offers a range of insurance products including accident and health insurance, annuities, and life settlement services. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to develop portfolios that include a wide range of investment options.

Ethan Needles is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and DEXSTA Federal Credit Union. 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.

Kathryn Kelly is a financial advisor with Raymond James & Associates holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Verdence Capital Advisors, Camden Property Trust, and Virginia Tech. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers a range of financial planning and consulting services with a primarily non-discretionary approach, drawing on diverse portfolio management styles and affiliated research.

D. Clarke Browne is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2013, he has focused his practice on assisting corporate executives, business owners, wealthy families, and retirees, while also providing fiduciary services for corporate retirement plans. Clarke’s approach begins with developing a comprehensive financial strategy grounded in personal balance sheet and cash flow analysis, followed by customized investment strategies that balance potential returns and risk. He emphasizes ongoing client reviews to account for market fluctuations and life changes impacting financial goals. Clarke has worked in the financial services industry since 2008. His expertise includes corporate executive services, investment consulting for defined contribution plans, legacy planning, portfolio management, and retirement income planning. He supports plan sponsors with fee evaluation, investment selection, plan design, and employee education related to corporate retirement plans. Clarke holds several professional certifications: Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). The CPWA® and CIMA® certifications were completed in conjunction with The University of Chicago Booth School of Business and The Wharton School at the University of Pennsylvania, respectively. He earned a bachelor's degree in history from Augsburg College and a Master of Business Administration from Montreat College. Clarke also holds a master's degree from Hazelden Graduate School of Addiction Studies. Outside of his professional work, he enjoys cooking, fishing, golfing, hiking, music, running, and spending time with his family.

Lisa Vetter is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding a Series 66 designation and 23 years of industry experience. She has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to client risk profiles.

Joshua Greenwald is a CFP® professional with 28 years of industry experience, currently serving at Wells Fargo Advisors since 2023. He has held previous roles within Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Outside of his advisory work, he serves as treasurer for the Helmsley Court Neighborhood Improvement Association in Baltimore, 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 including retirement, education, and specialized areas such as business-owner transition and special-needs analysis. The firm integrates advisory services with other financial product offerings and referral channels, delivering tailored recommendations using Wells Fargo’s research and planning tools.

Travis Brown is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD. He holds a Series 66 designation and has 24 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2001. In addition to his advisory role, he works as a sales agent in life and health insurance products. 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 provides ongoing financial planning, asset management, and educational seminars, offering event-driven planning services such as divorce and estate-settlement planning.

William Smith is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His background includes roles at Bank of America, FIDELITY Personal and Workplace Advisors, Fidelity Brokerage Services LLC, Compton Financial Group, and LPL Financial. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Abigail Lohn is a financial advisor at Raymond James Financial with a Series 66 designation and two years of industry experience. She has held roles at Raymond James Financial Services Advisors, Inc., Fusco Financial Associates, and previously worked in retail and telecommunications. 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, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal finance work through its affiliation with a municipal advisor.

Zachary Green is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2016. Outside of his advisory role, he works part-time with the Maryland Jockey Club, assisting in coordination and preparation for the Preakness Stakes. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jacob Boone is a financial advisor with RBC Capital Markets in Westminster, MD, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Merrill and various positions outside finance, such as at Illianos J&P restaurant and Outback Steakhouse. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations with a range of advisory programs that offer portfolio management, financial planning, custody, and brokerage services. The firm uses tailored investment strategies implemented through a mix of in-house and third-party managers, supported by RBC’s capital-markets capabilities and affiliated asset managers.

Brian Doak is a financial advisor with UBS Financial Services in Hunt Valley, MD. He holds Series 63 and 65 licenses and has 31 years of industry experience, including 18 years at UBS. He serves as a board member for St. Paul's School, his alma mater. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services that include financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Quinn Bower is a financial advisor at Edward Jones with 10 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at LPL Financial, M&T Securities, and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, Bower manages a family farm in Blain, PA, where he raises Angus beef cattle and grows hay, corn, and soybeans. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies and separately managed accounts. The firm is notable for its extensive retail advisor and branch network and offers affiliated investment products alongside its fiduciary advisory services.

Nathan Spangler is a Series 66-licensed financial advisor with LPL Financial in Westminster, MD, holding one year of industry experience. He previously worked at Edward Jones for three years and has a background that includes a media role at CBS Radio/Entercom Communications Corporation. Outside of his advisory role, he is involved with Puckett and Sturgill Financial Group as an investment representative. 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 representatives. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services, offering discretionary and non-discretionary management supported by research and a variety of investment strategies.

Madison Rexford is a financial advisor at OSAIC with six years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors for seven years. His background also includes roles at The University of Tampa and Greene Turtle Sports Bar. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services supported by various asset-allocation tools and third-party platforms.

Adam Grzybowski serves as Senior Resident Director at Merrill, leading the Hunt Valley office and working directly with clients. With more than 25 years of experience in the financial services industry, he began his career as a Financial Advisor at a large financial institution before joining Merrill Lynch Wealth Management in 2005. Adam’s areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. He holds the Accredited Asset Management Specialist™ designation from the College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) designation. A native of the Baltimore area, Adam earned a Bachelor's degree from West Virginia University and a Master’s of Business Administration from The University of Baltimore. Outside of work, he enjoys boating, fishing, and spending time with his family, including his wife, Kristy, and their three daughters.

Benjamin Rogers is a financial advisor at Edward Jones with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1998. 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 strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Bryan Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he is the sole owner of Quickstar Productions LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Benjamen Pickett is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Point Breeze Federal Credit Union, M&T Bank, and Aberdeen Proving Grounds Federal Credit Union. In addition to his advisory role, he serves as an executor for a family estate. 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 for a range of individual and institutional clients.

Brian Gorman is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Merrill, and various other positions prior to entering the financial sector. Outside of his advisory work, he serves as a basketball referee for youth games through OneTeam Officiating LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to fiduciary clients of Bank of America through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.