Alexander Costos is a Wealth Management Advisor at Merrill Lynch Wealth Management. In his role, he serves as a Portfolio Manager, providing traditional financial advice, guidance, and planning, and manages discretionary personalized and defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. His client focus areas include education planning, family wealth management, retirement planning, socially responsible investing, and services for endowments, foundations, and non-profits, among others. Alexander began his financial services career in 2007. He holds a bachelor's degree from Bucknell University (2004) and a Master of Business Administration from Loyola University Maryland (2017). He earned the CERTIFIED FINANCIAL PLANNER® certification in 2016 and holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He also serves on the Board of Directors for the Maryland Family Network and is involved with the Loyola Sellinger School of Business Alumni Board. Raised in the greater Baltimore area, Alexander is the son of Bob and Sandy Costos. He resides in Phoenix, Maryland, with his wife Laura and their two children. His personal interests include boating, camping, cooking, football, gardening, hunting, reading, spending time with family, and woodworking.

Sean Kavanagh is a financial advisor with Merrill, holding a Series 66 credential and over 10 years of industry experience. He has been with Merrill since 2001. 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, pension plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad range of products and services beyond typical investment management.

William Thompson II is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with MML Investors Services, Inc. since 1997. Outside of his advisory role, he owns and manages Harmony Grove Farm, LLC and Harmony Grove Farm Management, LLC, which hold farm land and related assets. 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 ongoing financial planning, asset management, wrap and money-manager programs, and educational seminars.

Jason Parks is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been associated with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process utilizes firm-approved tools and market outlook models, focusing on advisory services without offering individual security recommendations as part of standalone plans.

Nohemi Cecil is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She previously worked at Royal Alliance Associates, Inc. and Signator Investors, Inc., and also has experience with John Hancock Life Insurance Co. Outside of finance, she is involved in her local community through a homeowners association welcome committee and sells handmade crafts at local shows. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers and multiple advisory platforms. The firm employs asset-allocation tools and efficient-frontier analysis to construct diversified portfolios tailored to client risk tolerance and investment objectives.

Douglas Sunday is a financial advisor at Ameriprise with 30 years of industry experience. He has been with Ameriprise since 2005 and holds Series 63 and Series 65 designations. Outside of his advisory work, he co-owns an Etsy shop called Sundays In The Woodshop, where he makes and sells small wooden items. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm delivers personalized, research-driven recommendations that integrate income sources, Social Security options, and tax-efficient withdrawal strategies.

Troy Elser is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services Inc for 11 years before joining Wells Fargo Advisors in 2020. Outside of his advisor role, he owns Elser Wealth Management LLC and serves as a trustee and partner in several investment-related entities. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that address various financial needs using Wells Fargo’s research and tools.

David Seifert is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he serves as a trustee or co-trustee for several trusts. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, with a financial planning process based on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers planning services both directly and through corporate agreements.

Melford Brown Jr. is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved in consulting through his business, M G Brown & Associates, Inc. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency strategies to deliver tailored recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

David Purcell is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. His prior work includes roles at Bank of America and entrepreneurial ventures such as The Baltimore Whiskey Company LLC and Purcell Masonry. 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 individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

David Barnes is a financial advisor at RBC Capital Markets with 32 years of industry experience. He previously worked at Bank of America, N.A. for 13 years and Merrill for over three decades. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm uses tailored investment strategies and integrates in-house and third-party managers to meet clients’ advisory risk profiles.

Christopher Elmonus is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His background includes roles at Bearlight Marketing, Fairview, and Wake Forest University. Merrill 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, pension plans, charitable organizations, and corporate fiduciaries.

Joseph Nguyen is a Series 66-licensed financial advisor with Merrill, based in Hunt Valley, MD. He has 13 years of industry experience and has been with Merrill since 2007. 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, and charitable organizations. The firm’s investment approach integrates strategies implemented by Managed Account Advisors LLC alongside those constructed by Merrill’s Chief Investment Office.

Jared Kilberg is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in creating customized wealth management strategies tailored to clients’ individual financial goals, with a focus on college education planning, legacy planning, personal retirement planning, tax minimization, and retirement income. Drawing on over 11 years of experience, Jared works closely with clients across different life stages, supporting them in long-term financial planning as they save for retirement and plan for their future. Jared holds a Bachelor's Degree from the College of Charleston and has earned the professional designations of CERTIFIED FINANCIAL PLANNER™ (CFP) and Personal Investment Advisor (PIA). He adheres to a personalized approach, working one-on-one with clients to develop flexible financial strategies aligned with their goals. Outside of his professional work, Jared is involved in community organizations such as Repair the World (Baltimore) and The League of People. He enjoys biking, cooking, music, photography, reading, running—including running marathons—and traveling. Jared lives with his family and their pets in Baltimore, where he can often be found running around the city or cycling in northern Baltimore County.

Matthew Aversa is a financial advisor at OSAIC with 10 years of industry experience. He holds the ChFC® designation as well as Series 63 and Series 65 licenses. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors for seven years and AXA Advisors LLC for two years. Outside of his advisory role, he is the owner of Maller Wealth Advisors, Inc., offering a range of insurance products, and serves on the golf committee board for Pathfinders for Autism, a charitable organization. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, providing integrated brokerage and advisory services through a wide network of affiliated advisers. The firm employs asset-allocation tools and managed-account platforms to construct portfolios with various investment types, supporting both discretionary and non-discretionary management.

Bryan Costabile is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. His background includes roles at LPL Enterprise LLC and sports-related positions with the Premier Lacrosse League, Under Armour, and the Washington Commanders. Outside of financial advising, he is involved in sports coaching and owns the Icecap Sports Club in Maryland. Raymond James Financial Services Advisors provides financial planning and investment consulting to a broad client base, including individuals, high-net-worth investors, and public entities. The firm offers tailored, primarily non-discretionary advisory services and has notable involvement in municipal and public finance through its affiliate network.

Craig Gayhardt is a financial advisor at Wells Fargo Advisors with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Wells Fargo in various capacities since 2009. Outside of his advisory role, he owns and operates SOJAC Ventures LLC, an investment-related business based in Cockeysville, MD. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options tailored to clients meeting a net-worth threshold, including specialized services such as business-owner transition and special-needs planning.

Matthew Lowry is a CFP®-certified financial advisor with 29 years of industry experience. He has been with LPL Financial since 2012 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as a trustee for the Helen P Lowry Great Grandchildren Trust. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and various portfolio management options.

Kathie Okun is a financial advisor at LPL Financial with 38 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior roles include positions at Lincoln Financial Advisors and Penn Mutual Life Insurance, among others. Okun is the owner and president of Okun Financial Group Inc., offering accident, health, disability, fixed annuities, and traditional life insurance, and she serves as a trustee of a family trust as well as a board member of Enterprising Women. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, including both discretionary and non-discretionary management supported by in-house and third-party research.

Marc Pushkin is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with LPL Financial since 2013. Pushkin is president of Pushkin & Pushkin, Inc., serving as a third-party administrator, and he acts as an expert witness in divorce and personal injury cases involving actuarial calculations. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with both discretionary and non-discretionary management, supported by model portfolios and market research.