Patrick Dougher is a financial advisor with Merrill, holding a Series 66 designation and ten years of industry experience. He has been with Merrill and its affiliated Bank of America since 2016. 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.

Ryan Woolery is a financial advisor at Merrill with Series 63 and Series 66 licenses and 10 years of industry experience. He has worked with Merrill since 2016. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Trueschler is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Dawn James CPA, and Harford Retirement Planners. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Kevin Bell is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His career includes roles at Morgan Stanley Private Bank, N.A. and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process relies on structured discovery and firm-approved tools, providing tailored plans without individual security recommendations in standalone planning.

Eric Brann is a CFP® professional with over 31 years of experience, currently serving at Morgan Stanley in Hunt Valley, MD. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Jason Costner is a CFP® with 23 years of industry experience, currently serving at Cetera since 2025. He previously worked at Avantax Investment Services and 1st Global Advisors, with six-year tenures at each firm. He also maintains an investment advisory role with WABC Wealth Management Services. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual and institutional clients, offering diverse investment platforms and access to both affiliated and third-party managers.

Ruth Sliviak is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and bringing 25 years of industry experience. She has previously worked with Grove Point Advisors, LLC, and Grove Point Investments, LLC. Outside of her advisory work, she volunteers with a local citizen group and serves as a committee member and Eucharistic Minister at St. Jane Frances de Chantal Catholic Church. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of investment and financial planning solutions supported by technology and a broad network of advisors.

Nathan Badowski is a financial advisor with LPL Enterprise, holding CFP® and Series 63 credentials and bringing 19 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and New York Life, among others. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by internal and third-party strategists and offers services such as financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Lauretta Yeagy is a Series 66-licensed financial advisor with five years of industry experience. She has worked at Wilmington Advisors and LPL Financial since 2021 and previously spent five years at M&T Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party management access, and institutional platforms.

Dale Waters III is a CFP®-designated financial advisor with seven years of industry experience. He currently works at Morgan Stanley in Hunt Valley, MD, with prior experience at Bank of America and Merrill. Waters attended the University of Virginia before beginning his financial services career. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Jackson Boothby is a financial advisor with LPL Enterprise holding a Series 66 credential. He has one year of industry experience. Outside of advising, he is involved with Jet Services Inc. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to various financial planning, insurance, and trust services.

Joel Fiddle is a financial advisor with LPL Financial in Reisterstown, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include positions at Bank of America, Merrill, M&T Securities, PNC Wealth Management, and Mercantile Brokerage Services. 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 diverse range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad network of investment adviser representatives.

Andrew Garrett is a financial advisor at Cetera with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Avantax Investment Services and 1st Global Capital Corp. Outside of his advisory role, he serves as a trustee for a 401(k) plan and is involved with WABC Wealth Management Services. 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, combining discretionary and non-discretionary authorities across multiple program structures.

Bret Schertz is a CFP®-certified financial advisor with 24 years of industry experience. He has worked at Wells Fargo Advisors since 2026 and previously spent 17 years at RBC Capital Markets Corporation. 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 planning menu with specialized services and uses proprietary research and tools to develop tailored recommendations for its clients.

Adam Cox is a financial advisor at LPL Enterprise with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously with Avantax Advisory Services and Hughes Network Systems, LLC. Outside of advising, he is the owner of Metro Fitness, Inc., a business he has managed since 2014. LPL Enterprise provides investment advisory and brokerage services to a diverse range of clients, including individual and high-net-worth investors, retirement plans, and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance services.

Brian Mccully is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC for over 15 years. Outside of his advisory role, he is also involved as an independent contractor in health insurance sales. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and a variety of insurance and trust services through affiliated entities.

Edward Garbarino is a Wealth Management Advisor with Merrill Lynch Wealth Management. He and his team focus on customized wealth building and preservation strategies for families and individuals, retirement and income planning, and company retirement plans. They work to help clients maximize wealth accumulation and preservation through goal-based wealth management, portfolio risk management, and a disciplined approach to portfolio management. He and his team employ a defined process to help clients identify and prioritize their financial goals, objectives, risk tolerances, and timelines. This collaborative approach provides the foundation for designing and implementing successful long-term investment strategies tailored to each client's unique needs. They oversee and coordinate the financial affairs of families, retirees, corporate executives, and business owners, simplifying financial complexity and coordinating with clients' external advisors including attorneys and tax professionals. Edward holds a bachelor's degree from the University of Notre Dame Mendoza College of Business Administration and holds professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is involved in community service as a member of The Leaders United Executive Council and The Leadership Engagement Council of The United Way of Central Maryland.

Joel Galligan Stierle is a financial advisor with Ameriprise in Bel Air, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of advising, he is the owner of Galligan-Stierle Management LLC, which manages his Ameriprise business. Ameriprise offers retirement-income planning services designed for individuals nearing or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process while offering a broad range of advisory, brokerage, and insurance solutions.

Hannah Gouger is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. Her work history includes roles at Merrill since 2020 and Bank of America, N.A. since 2022. She also has experience from the University of Richmond and involvement with the Dulaney Swim Club. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Diane Muhler is a financial professional with 33 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 designations. Her prior work includes roles at Securian Capital of the Chesapeake, SunTrust Advisory Services, and Minnesota Life Insurance Co. Outside of financial advising, she works as an electrical sales associate at Home Depot and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with various discretionary and non-discretionary program options.