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 and holds Series 63 and Series 66 registrations. He has two years of industry experience, including prior roles at Northwestern Mutual Wealth Management Company and related entities. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that combines investment advice, financial planning, and access to various financial products.

Timothy Ford is a CFP® and holds a Series 66 license with two years of industry experience. He is currently with RBC Capital Markets and has prior experience at City National Bank, Bank of America, Merrill, and several other firms. He serves as an investment committee member at Ladew Topiary Gardens, Inc. and on the finance committee for Pathfinders for Autism. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management and integrates multiple investment managers and strategies tailored to clients’ risk profiles.

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.

Hailey Timeus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, she worked at the Arizona Department of Corrections. 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 plans, corporations, and charitable organizations.

Alec Mouring is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Securities, Fidelity Investments, Fidelity Brokerage Services LLC, and AXA Advisors LLC. Outside of advisory work, he is a licensed insurance agent offering fixed annuities and traditional life insurance, and he also provides notary services. OSAIC serves a diverse client base including retail and institutional investors and offers integrated brokerage and advisory services. The firm utilizes a range of investment tools and platforms to construct portfolios across various asset classes, providing both discretionary and non-discretionary management options.

Darryl Stalter is a financial advisor at Merrill with a Series 66 designation and six years of industry experience. He has been with Merrill since 2019 and previously worked at Verizon Wireless from 2014 to 2019. 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 supported by internal and third-party managers for individuals, high-net-worth clients, and institutional investors.

Nicole Wilson is a financial advisor with LPL Financial, holding a Series 66 credential and five years of industry experience. She has worked at firms including Cambridge Investment Research Advisors and Janney Montgomery Scott. Outside of her advisory role, she is involved in tax preparation and accounting services through a separate business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Russell Priddy III is a financial advisor with Ameriprise in Shrewsbury, PA, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and PNC Investments. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Grenagle Jr. is a financial advisor at Merrill with nine years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individual, high-net-worth, and institutional clients using model-based and discretionary investment strategies developed by internal and third-party managers.

Julia Zimmermann is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 66 credentials and 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a large institutional platform that includes advisory, brokerage, and insurance solutions.

Melissa Harbold is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been a financial advisor since 2004, the year she graduated Cum Laude with a Bachelor of Business Administration from Loyola College in Maryland. Melissa holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Melissa is actively involved in her community, serving as the current chair of the Port Deposit Historic Area Commission and as a past president of the Chesapeake Professional Women's Network, where she remains a member. She also participates in the St. Margaret School Home and School Association. Melissa is married to Brad, her high school sweetheart, and they have two children. Her personal interests include baseball, boating, cooking, music, reading, spending time with family, and traveling.

Amy Sommers is a financial advisor at Raymond James Financial with five years of industry experience. She holds a Series 66 designation and has previously worked at firms including Marshall Financial Group, Purshe Kaplan Sterling Investments, and Merrill. Prior to her financial career, she was employed at the U.S. Attorney's Office for the District of Maryland and the Maryland Department of Health. Outside of her advisory role, she supports operations at ClearPlan Wealth Management as a registered client service associate. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm emphasizes non-discretionary, tailored planning using analytical tools and supports clients through advisory programs and institutional consulting.

Adam Freeland is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 20 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory work, he serves as president and independent insurance agent at Harford Financial Group. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a wide range of clients, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals, providing tailored investment solutions across various custody platforms and discretionary options.

Brandon Cawley is a CFA® charterholder affiliated with OSAIC in Hunt Valley, MD, with three years of industry experience. His prior roles include positions at Lincoln Financial Advisors, Campbell Wealth Management, and New Century Advisors. OSAIC serves a diverse client base of retail and institutional investors through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct portfolios across various investment types.

Michael Ferris is a financial advisor with LPL Financial in Hunt Valley, MD, holding the ChFC® designation and Series 63 and 65 licenses. He has 10 years of industry experience, previously working with Mass Mutual Investors Services and Northwestern Mutual Wealth Management. Outside of his advisory role, he is involved with a family-owned farming business in Kennedyville, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.