Nicholas Schiavone is a financial advisor with Raymond James & Associates holding a Series 65 credential and three years of industry experience. Prior to joining Raymond James, he worked at Verdence Capital Advisors for five years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and governmental entities, offering tailored financial planning and consulting through various advisory programs.

Gordon Margerum is a financial advisor with Primerica Advisors in Owings Mills, MD, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to advisory activities, he is involved in sales of mortgage loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven investment strategies and partners with third-party asset managers and custodians to deliver its advisory services.

William Boykin V is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Stormharbour Securities LP. Outside of his advisory role, he helps organize fundraisers for the One Love Foundation. 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Victor Folayan is a financial advisor at Cetera with 11 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Kinnect Wealth Management, Securian Financial Services, New York Life, and Primerica. Outside of his advisory work, he serves as Treasurer of ANPA DMV and volunteers with the FGC Idoani Alumni Association. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporations, and institutional clients, offering discretionary and non-discretionary portfolio management along with access to third-party money managers.

Ascenza Meyer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 13 years of industry experience. She has worked at Raymond James since 2013 and previously supported Fusco Financial Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools and tailored approaches to support client goals and offers specialized advisory programs along with municipal and public finance services.

Brittnay Larrimore is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 credentials and seven years of industry experience. She has worked at RBC Capital Markets since 2018 and previously held roles at City National Bank and World of Beer Baltimore. Larrimore serves on the Board of Trustees finance committee for CASA Baltimore. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, corporate, and charitable clients with a range of advisory programs. The firm customizes investment strategies based on client risk profiles and offers both discretionary and non-discretionary portfolio management along with various financial services.

Kelly Lemasters is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 65 licenses and 25 years of industry experience. She has worked at Merrill and Bank of America, N.A. since 2009, following a year at Banc Of America Investment Services, Inc. prior to that. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, supported by Bank of America’s infrastructure for trading, account administration, and custody.

Brian Heffern is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with Merrill since 2017 and also works with Bank of America, N.A. Since 2019, he has been involved with both firms in roles related to investment advisory services. 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 developed by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Patrick Leland is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He has been with Merrill since 2016. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brian Smith is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America, American Residential Services, Darden Restaurants, and Coastal Carrier Moving and Storage. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and charities, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm integrates investment management through multiple program strategies and emphasizes tax-efficient capabilities, supported by its affiliation with Bank of America and related capital markets platforms.

William Winterstein is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and bringing 26 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and offers planning supported by firm-approved tools and methodologies.

Paul Sorenson is a Series 66-licensed financial advisor with LPL Financial, based in Westminster, MD, and has eight years of industry experience. Prior to joining LPL in 2018, he was involved with the 58th Presidential Inaugural Committee and co-owned Gravel Springs Farms. He also co-owns a farming enterprise, Lowman and Sorenson Enterprises, LLC. 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 solutions, including model portfolios, third-party asset management, and institutional platforms.

Joanna Eyere is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she provides financial planning and investment advisory services to clients. Joanna holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), reflecting her expertise in retirement planning and personal investment strategies. She earned a Bachelor's Degree from the University of Maryland UC and a Master of Business Administration (MBA) from the University of Maryland GP.

Richard Denardi is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at firms including Nationwide Investment Services Corporation and Ferris, Baker Watts, LLC. Outside of his advisory work, he is involved in coaching amateur and high school baseball teams. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers brokerage and advisory services utilizing model-based asset allocation and portfolio optimization, supported by a complex affiliate network and multiple program options.

Walter Megger is a Series 66 credentialed advisor at Merrill with 22 years of industry experience, including 29 years at Merrill. He is also a consultant and umpire for a recreational girls softball league through ArbiterSport LLC. 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, and institutional investors.

David Crabtree is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Bank of America, Blackstone, Fidelity & Guaranty Life, M&T Bank, and Wilmington Trust Investment Advisors. 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 a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stuart Mears is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015. Outside of his advisory role, he works part-time stocking shelves at Martins Supermarket in Eldersburg, Maryland. 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 clients, and institutions.

Elizabeth Wise is a financial advisor with LPL Financial in Westminster, MD, holding a Series 66 license and four years of industry experience. She has worked at LPL Financial since 2021 and is also affiliated with M&T Bank in a financial institution duty related to investments. Prior to her advisory roles, she held positions in the restaurant industry. 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 range of advisory and brokerage services, including financial planning and institutional platforms, supported by technology and oversight of substantial discretionary assets.

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 with Wells Fargo Clearing, holding a Series 66 designation and bringing 26 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Citigroup Global Markets from 2007 to 2009. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions, utilizing research and analytics to support diversified investment approaches.