Troy Brewer is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC. Brewer is also the owner and CEO of ClearPlan Wealth Management Inc., a support company based in Towson, MD. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning and investment consulting tailored to client goals, supported by analytical tools and a municipal advisor affiliation uncommon among large institutional advisors.

Carl Strozyk is a financial advisor with Cambridge Investment Research Advisors in Bel Air, MD, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011 and leads The Small Business Group, where he provides accounting, tax, and business consulting services. Strozyk is also an independent insurance agent representing various companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm employs a range of investment strategies and platform arrangements, with both proprietary models and access to third-party managers.

Katherine De Hart is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds a Series 66 credential and has 22 years of industry experience. Prior to joining Raymond James in 2023, she worked at Janney Montgomery Scott for six years. De Hart also serves as an agent with The Mettle Insurance Services and operates in multiple roles at Accompany Wealth Partners, including financial advisor and practice manager. Raymond James Financial Services Advisors provides financial planning and investment consulting services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports clients through advisory programs and consulting services.

Zellie Wothers is a CFP® with six years of industry experience, currently advising at Osaic. Prior to joining Osaic, Wothers worked at Lincoln Financial Advisors for five years and has held roles at Maller Wealth Advisors, Wells Fargo Bank, and Harford Mutual Insurance Company. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, financial planning, and access to third-party money managers, utilizing firm-provided tools for asset allocation and portfolio construction.

Asonganyi Tintinu is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Before joining Merrill in 2026, Tintinu held positions at companies including DoorDash, Year Up United, Home Depot, and United Parcel INC, and worked at ICT University for seven years. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Bernard Muth is a financial advisor at OSAIC with 20 years of industry experience. He holds the CFP® and Series 66 designations and previously worked for Lincoln Financial Advisors for 19 years. In addition to his role at OSAIC, he is the owner of Gernon Muth & Associates, a business offering employee benefits such as accident and health insurance, fixed annuities, and life insurance. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of investment tools and third-party platforms to construct diversified portfolios.

Adam Smith is a financial advisor with Merrill, holding a Series 66 designation and having one year of industry experience. His work background includes positions at Bank of America, N.A., and Merrill, as well as roles outside the financial sector. 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 for individual, high-net-worth, and institutional clients.

Ian Smith is a financial advisor at LPL Financial with 27 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massmutual Life Insurance Co, Glg, and a 17-year tenure at T. Rowe Price. He holds Series 65 and Series 63 licenses and is based in Hunt Valley, MD. Outside his advisory role, Ian Smith is involved in non-variable insurance activities. 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 financial planning and investment services, including access to model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and oversight of a large advisor network.

Frederick Ehrsam is a financial advisor with Raymond James Financial in Bel Air, MD, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Raymond James since 2014. Outside of advisory work, Ehrsam is a partner in Calluna Vineyards and operates Ehrsam Wealth Strategies LLC, a support company. 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, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through various advisory programs and institutional consulting.

Jonathan Pearlstein is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and 26 years of industry experience. He has been with Ameriprise since 2000, including 15 years at Ameriprise Financial Services, Inc. Pearlstein serves on the board of Gateway, a nonprofit organization. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that combines investment research, third-party data, and algorithmic tools to deliver written recommendation reports and ongoing advice.

Andrew Tamburin is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. His background includes roles at Bank of America and Ochsner Health Plan, as well as work related to Tulane University and the Boys and Girls Club of the Wiregrass. 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 a range of clients including individuals, high-net-worth investors, pension plans, and charitable organizations.

Jeffrey Bessling is a financial advisor at Wells Fargo Advisors with 16 years of industry experience. He holds the Series 66 designation and has worked in various capacities within Wells Fargo entities since 2008. Outside of his advisory role, he serves as president of the Monkton Farms HOA, where he helps maintain common areas and organize community gatherings. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Milton White IV is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and Fulton Bank. Outside of his advisory work, he is involved with Martin Wight and Company, where he offers life, disability, long-term care insurance, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars with an emphasis on collaborative, goal-oriented planning using advanced analytical tools.

Kenneth Millan Sr. is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2021. Prior to that, he was employed at W&S Brokerage Services and Western & Southern Life. 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 and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jason Lowy is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he serves on the Associate Council of Junior Achievement of Central Maryland, assisting with educational events focused on financial literacy for youths. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm offers a broad range of services including wealth management, institutional trading, and securities-backed lending programs.

Penny Huff is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Matthew Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. His work history includes roles in accounting, construction, and retail, as well as a four-year period at Towson University. He is also involved with Fusco Financial as a financial advisor in a support capacity. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored financial planning and investment consulting, employing analytical tools such as risk profiling and modeling to support client goals, and it provides specialized advisory programs including municipal finance and SIMPLE IRA employer consulting services.

Jacob Krieger is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 credentials and two years of industry experience. Prior to joining LPL Enterprise, he worked at Northwestern Mutual in various roles from 2023 to 2024. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically employs model-driven investment approaches and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Timothy Ford is a financial advisor at RBC Capital Markets with CFP® and Series 66 designations and three years of industry experience. His prior roles include positions at City National Bank, Bank of America, Merrill, and Weyrich Cronin & Sorra. He serves as an investment committee member for Ladew Topiary Gardens, Inc. and is involved with the finance committee at Pathfinders For Autism. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides a range of advisory programs and portfolio management services to individual and institutional clients. The firm customizes investment strategies based on each client’s risk profile and utilizes both in-house and third-party investment managers to administer unified or sleeve-based portfolios.

Grant Dircks is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.