Stephen Hlibok is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since beginning his career in 1987, he has concentrated on developing wealth management strategies tailored to individual client needs. Stephen’s expertise encompasses services for endowments, foundations, and non-profits, personal retirement planning, portfolio management, socially responsible and values-based investing, special needs planning strategies, and retirement income. A key focus of his practice is serving deaf investors, offering direct communication in American Sign Language without third-party interpretation to ensure clear understanding of opportunities, risk tolerance, and investment tax efficiency. Stephen holds a Master’s degree in Vocational Rehabilitation from New York University and a Bachelor’s degree in Business Administration from Gallaudet University. He has earned the Personal Investment Advisor (PIA) designation and is affiliated with the National Association of the Deaf and the Gallaudet University Alumni Association. His work advancing financial services for the deaf community has received national media coverage. Outside of his professional role, Stephen is involved with the United States Deaf Ski and Snowboard Association and enjoys outdoor activities such as skiing, biking, hiking, boating, fishing, genealogy, and traveling.

Patricia Baum is a financial advisor at RBC Capital Markets with 40 years of industry experience. She holds Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2008, also working with City National Bank since 2017. Baum serves on the Board of Directors for the Baltimore Community Foundation, where she chairs the investment committee, and is a board member of the Rosa Parks Museum. She is president of the Charles C. Baum Foundation, a family charitable organization focused on community grants. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored portfolio management and advisory services, combining in-house and third-party investment resources with options for tax management and responsible investing.

Brad Long is a CFP® with 24 years of experience, currently serving as a financial advisor at Raymond James Financial since 2009. He has a background in insurance and tax preparation, working as an independent insurance sales agent and self-employed tax preparer alongside his advisory role. Long is also president of Long Financial Services, a support company for financial advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm focuses primarily on non-discretionary financial planning and investment consulting, utilizing asset allocation analysis, firm research, and a wide affiliate network to support tailored client solutions.

Michael Viscardi Jr. is a CFP® and ChFC® with 27 years of experience in the financial industry. He is currently with LPL Financial and has also worked at M&T Securities, Inc. and M&T Bank since 1998. Outside of his advisory role, he serves as a USA Hockey certified ice hockey referee for youth games in Maryland. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options and access to various model portfolios and research.

Deandre Cammarata serves as a Resident Director and Wealth Management Advisor at Merrill Lynch. Since joining Merrill Lynch Wealth Management in 2011 after earning his bachelor's degree from Miami University in Oxford, Ohio, Deandre has focused on providing concierge-level wealth management services. He works closely with clients and their families, overseeing and coordinating financial affairs to simplify their financial lives while collaborating with a team of professionals on estate planning, banking, home financing, securities lending, and other financial matters. Deandre specializes in corporate executive services, executive and equity compensation, family wealth management, international wealth management, liquidity management, portfolio management, sports and entertainment, and tax minimization. His expertise has been recognized with inclusion on Forbes' "America's Top Next-Generation Wealth Advisors Best-in-State" and "Best-in-State Wealth Advisors" lists in 2025. He holds professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Sports & Entertainment (SE), and maintains an active role within the community through involvement with organizations such as Project C.U.R.E. and Ronan's Reel. Residing in Chicago's North Shore with his wife and son, Deandre enjoys playing tennis, traveling, and following soccer, specifically supporting Manchester United. He dedicates time outside of work as a board member of Ronan's Reel, an organization focused on addiction recovery. His commitment to delivering personalized, attentive service underpins his role at The Murphy Group, where he aims to provide the best value to his clients.

Mark Murphy is a CFP® professional with 27 years of industry experience, currently serving at Wells Fargo Advisors Financial Network LLC since 2009. He holds a 20% ownership interest in Private Wealth Partners, LLC, an investment-related business based in Annapolis, MD. 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 covering various financial needs and integrates advisory services with other financial product offerings and referral channels.

Robert Johnson is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the CFP® and CFA® designations and previously worked at Blackrock Investments, LLC for 12 years. Outside of his advisory work, he serves as Treasurer for his homeowners association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. Schwab offers a combination of non-discretionary advisory relationships alongside access to affiliated discretionary separately managed accounts, supported by an integrated operational structure and a broad range of investment and custody services.

Eric Wells is a financial advisor with Cambridge Investment Research Advisors in Columbia, MD, holding Series 63 and Series 65 credentials and two years of industry experience. He has concurrently worked at T. Rowe Price and within the federal government since 2010. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals using a range of portfolio management and model-based strategies.

Debra Dillon is a Series 66 licensed financial advisor with Wells Fargo Advisors in Annapolis, MD, where she has worked since 2013. She has eight years of industry experience. Outside of her advisory role, she co-owns a rental property with her spouse. 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 range of planning services and integrates advisory offerings with various financial products and referral channels.

Kevin Appler is a CFP® professional affiliated with LPL Financial in Hanover, MD, with 30 years of industry experience. He has worked at LPL Financial since 2017 and previously spent a year at Kestra Financial Services. He is also involved with Tower Federal Credit Union, where he has served since 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides discretionary and non-discretionary management and utilizes a range of model portfolios and research resources.

Matthew Sobocinski is a CFP® professional at Wells Fargo Advisors with 27 years of industry experience. He has been with Wells Fargo Advisors Financial Network since 2009. In addition to his advisory role, Sobocinski is a 20% owner of Private Wealth Partners LLC, a financial practice based in Annapolis, MD, and serves as a co-trustee for a Finet 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services to clients meeting a net-worth threshold, utilizing Wells Fargo research and tools to develop tailored recommendations.

Jesse Boyd Jr. is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1993 and at Bank of America since 2009. Merrill offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, providing 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. The firm is integrated into Bank of America’s broader corporate platform, offering access to a wide range of investment products and services.

Spyros Ritsinias is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to generate non-discretionary recommendation reports. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional provider.

Ellis Gallimore is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Valic Financial Advisors and Agia. Gallimore is also affiliated with State Employee's Credit Union of Maryland. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing model portfolios and research from multiple sources.

Gilma Hernandez is a financial advisor at LPL Financial with three years of industry experience. She previously worked at Merrill and Bank of America, N.A. Hernandez holds a Series 66 credential. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting, utilizing model portfolios and research from both internal and third-party sources.

Julianna Lopes is a financial advisor with Primerica Advisors in Crofton, MD, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with Primerica Advisors since 2003 and has prior experience at Arbonne from 2016 to 2019. In addition to her advisory role, she is a self-employed instructor for pre-licensing classes for PFS agents and an author. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and utilizes a tiered wrap fee structure, focusing on personalized portfolio management rather than institutional pension or profit-sharing plans.

Terrell Matthews is a financial advisor with Primerica Advisors in Calverton, MD, holding Series 63 and Series 65 licenses and having 13 years of industry experience. He has worked at Primerica Advisors and Primerica Financial Services since 2012 and has been associated with the U.S. Patent & Trademark Office since 2005. Outside of his advisory role, he owns Matt-Hew Consulting LLC, where he serves as a Certified Divorce Financial Analyst. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap fee structure rather than fixed fees.

Deborah Frech is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 26 years of industry experience. She has worked at firms including Avantax Investment Services and 1ST Global Advisors, and she is also involved with BFJ Wealth Management and Bell, Frech & Jacobs, a CPA firm specializing in tax preparation and accounting. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers various advisory programs and financial planning services, with access to model portfolios, third-party subadvisors, and advanced portfolio management technologies.

John Foard is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been serving as a Financial Advisor since 1994, joining Merrill Lynch in 2002 after previous roles at First Union/Wachovia and Edward Jones. John holds a Personal Investment Advisor (PIA) designation. John specializes in portfolio management and asset allocation, designing customized investment portfolios that align with each client's unique preferences, timelines, cash-flow needs, and risk tolerance. He works closely with clients to identify their financial goals and needs, applying a disciplined investment methodology to help families advance their financial well-being through informed advice and tailored wealth strategies. He earned his high school diploma from Severn School and a bachelor's degree from Franklin & Marshall College. John is actively involved in his community, serving as the President of the Woodbridge Forest Homeowners Association and as an usher at Severna Park United Methodist Church. He lives in Severna Park with his wife Mary and their twin daughters. In his free time, John enjoys boating, golfing, gardening, landscaping, and outdoor grilling.

Taylor Janoskie is a financial advisor with Cetera and holds a Series 66 designation. He has nine years of industry experience and has been associated with Cetera and its related entities since 2014. Outside of advisory work, Janoskie is involved in life insurance and fixed insurance sales and owns an LLC focused on expense management. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management strategies and program options supported by a large nationwide network of advisors.