Brian Heffern is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. His work history includes roles at Bank of America and FINRA. 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, pension plans, and charitable organizations.

Patrick Leland is a Series 66-registered financial advisor at Merrill with 7 years of industry experience. He has been with Merrill since 2016. 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 diverse client base including individuals, high-net-worth clients, and institutional investors. The firm is integrated with Bank of America’s broader platform, providing access to a wide range of products and services.

Brian Smith is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he helps clients pursue their financial goals by developing customized strategies tailored to their comfort level with risk. His services include personal retirement planning, portfolio management, tax minimization, and retirement income planning. He also integrates access to Bank of America specialists for banking, credit, home financing, and small business solutions. Brian works closely with professionals on financial planning, tax mitigation strategies, and investments. He holds the professional designation of Personal Investment Advisor (PIA). His educational background includes a high school diploma from Loyola Blakefield and attendance at the College of Charleston and Towson University without degree conferral. Outside of his professional work, Brian is involved in his community as a Long-Term Recreational Coach (LTRC) Basketball Coach. He enjoys activities such as basketball, camping, golfing, hiking, music, skiing, spending time with his family, tennis, traveling, and volleyball.

William Winterstein is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and 25 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney and Citigroup Global Markets throughout his career. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Walter Megger is a Series 66-licensed advisor with Merrill in Hunt Valley, MD, with 22 years of industry experience. He has been with Merrill since 1997. Outside of his advisory role, he works as an umpire for a recreational girls softball league. 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 diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Stuart Mears is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and with 12 years of industry experience. He has been with Merrill since 2015. Outside of his advisory role, he is employed at Martins Supermarket, where he works 20 hours weekly. Merrill provides managed account services to a broad range of clients, including individuals, high-net-worth clients, pension plans, and charitable organizations, through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies implemented by affiliated managers.

Brendan Graham is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 13 years of industry experience. He has been with UBS Financial Services Inc. since 2013. UBS Financial Services serves individual, corporate, and institutional clients through a blend of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor strategies to clients' goals and risk tolerances.

Jennifer Falter is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 2009. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Robert Davis is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 27 years of industry experience. He has worked at Mass Mutual Investors Services since 2017, with prior experience at Massachusetts Mutual Life Insurance Company and Metlife Securities Inc. Since 1999, he has served as membership chairman for NAIFA Anne Arundel County, MD, and he also operates as an independent insurance agent specializing in life, accident, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, emphasizing collaborative planning engagements and a broad range of client services.

John Peper is a financial advisor at Merrill based in Hunt Valley, MD, holding a Series 66 designation with two years of industry experience. His prior roles include positions at Rise and T Rowe Price, as well as work at Marist College and Old Navy. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jeffrey Strzelczyk is a financial advisor with Wells Fargo Clearing in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having 38 years of industry experience. He has been with Wells Fargo Clearing since 2016 and worked at Wells Fargo Advisors, LLC from 2015 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics.

Gordon Witherspoon Jr. is a financial advisor with RBC Capital Markets holding Series 63 and Series 65 licenses and over 40 years of industry experience. He has worked with firms including Morgan Stanley Private Bank and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and integrates both in-house and third-party investment managers.

Dipendra Chhantyal is a financial advisor at Merrill with 10 years of industry experience and holds the Series 66 designation. He has been with Merrill since 2016 and concurrently associated with Bank of America, N.A. since 2018. 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 diverse client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm leverages its integration with Bank of America’s broader platform to provide access to a wide range of products and services.

Alexander Budin is a Series 66 licensed financial advisor with 13 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2013. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies for a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a wide range of products and services beyond typical investment management.

Milton Dodge is a financial advisor at Edward Jones with 16 years of industry experience. He holds the Series 66 designation and has previously worked at Patient Capital Management LLC and T. Rowe Price. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.

Sarah Ferguson is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and 6 years of industry experience. She has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

William Coleman is a financial advisor at Merrill with eight years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2018. Prior to that, he was employed at Bank of America and was involved with the Baltimore Museum of Art. Outside of his advisory role, he previously operated a screen-printing business under his registered LLC, Beard City LLC. 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 diverse client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations.

Jeffrey Gue is a financial advisor with Raymond James Financial Services Advisors, holding Series 63 and Series 65 credentials and 25 years of industry experience. His prior roles include positions at Fulton Bank, National Life Group, and The Investment Center Inc. He is also an agent and partner at Worthington Financial Partners, focusing on insurance services. Raymond James Financial Services Advisors provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth investors, pension plans, charitable organizations, and public entities. The firm offers tailored advisory solutions and specialized programs for small businesses, supported by a broad institutional network and municipal finance capabilities.

Felipe Escobar Gomez is a financial advisor at RBC Capital Markets with two years of industry experience. He holds a Series 66 designation and previously worked at Raymond James & Associates. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs with tailored strategies implemented through a mix of in-house and third-party investment managers and model providers.

Matthew Cramer is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked at Long Fence Company for seven years and held positions at McDaniel College and Dicks Sporting Goods. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of investment strategies and advisory services through a large network of financial advisors and branch offices. The firm manages approximately $1.01 trillion in assets and operates under a fiduciary standard.