John Mccarthy III is a financial advisor with Osaic Wealth, Inc. in Hunt Valley, MD, holding Series 63 and Series 65 credentials and over 32 years of industry experience. He previously spent 31 years with Lincoln Financial Advisors Corporation. Outside of his advisory role, he is involved with Heritage Financial Consultants, LLC, where he offers various insurance products including disability and long-term care insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits through a broad network of financial advisers. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing firm-provided tools and multiple investment platforms to manage portfolios.

Tony Difatta is a Series 65-licensed financial advisor with 12 years of industry experience, currently affiliated with LPL Enterprise. He previously worked for Pruco Securities, LLC for 11 years and is the CEO of Tony M Di Fatta, CPA P.C., a tax preparation and accounting firm he has operated since 2013. He also serves as treasurer for Friends of Eric Bouchat, a community organization. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is primarily model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, with additional offerings in financial planning, trust services, insurance, and collateralized lending.

Jacqueline Grove is a financial advisor at Merrill with 14 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2011. 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.

Rachel Miller is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work experience includes roles at TCW Global and Zenimax Media. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Thomas Custance Jr. is a financial advisor at Edward Jones in Reisterstown, MD, holding the CFP® designation with 23 years of industry experience, including over two decades at Edward Jones. Outside of his advisory work, he owns a vacation rental property in Tannersville, PA. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branches.

Gregory Akers is a financial advisor with Stifel, holding Series 65 and Series 63 registrations and four years of industry experience. Prior to joining Stifel in 2024, he worked at Court Place Advisors, Meridian Bank, and in various roles across several companies. Outside of his advisory work, Akers volunteers as a parish council member at Sacred Heart Church and serves on the Board of the Hereford High School Athletic Hall of Fame. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services based on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Alan Kines is a CFP® with 16 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. Prior to joining Raymond James, he worked for Northwestern Mutual Wealth Management Company and Northwestern Mutual Life Insurance Company for 16 years. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients including individuals, high-net-worth clients, corporations, and institutional investors. The firm uses tailored, non-discretionary planning and advanced analytical tools to support client goals and offers specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

Patrick Vaughan is a CFP® with 17 years of industry experience, currently affiliated with RBC Capital Markets in Hunt Valley, MD. He has worked at RBC Capital Markets since 2009 and has been with City National Bank since 2017. Vaughan serves on the board of directors of The Cal Ripken Foundation, a youth leadership charity, where he participates in fundraising activities. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs and implements tailored portfolio strategies using in-house and third-party investment managers.

Henry Podlaszewski Jr. is a financial advisor with UBS Financial Services, holding a Series 66 designation and 19 years of industry experience. He previously worked at Morgan Stanley and RBC Capital Markets. He is based in Shrewsbury, Pennsylvania. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor client plans.

Garrett Kunkel is a CFP® and Series 66–registered advisor with RBC Capital Markets in Hunt Valley, MD, bringing eight years of industry experience. He has worked at RBC Capital Markets since 2017, following prior roles at Kissinger Financial Services and Kissinger Financial Services (Hightower). RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through both in-house and third-party managers, supported by RBC’s extensive capital-markets capabilities.

Jesse Folus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and is also associated with Bank of America, N.A. since 2022. Prior to his financial services career, he was employed by Lupin Pharmaceuticals. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lucas Graham is a financial advisor with LPL Enterprise holding a Series 66 designation. He has one year of industry experience and previously worked at IDEMIA National Security Solutions and West Virginia University. Outside of his advisory role, he was affiliated with Bible Center Church for two years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, consulting, and access to third-party asset managers through a large network of investment adviser representatives.

Michael Frank Jr. is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Seventy2 Capital Wealth Management and Bank of America, N.A. Outside of finance, he has experience in the hospitality industry, including roles at 7 West Bistro, Rite Way Valet, and Pussers Caribbean Grille. Merrill, along 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 using model-based and discretionary investment strategies.

Edwin Abrams is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016, following an 11-year tenure at MetLife Resources. He is also involved as an agent in life and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements and a variety of investment and event-driven planning services.

Enkhtuul Terguunbaatar is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, Terguunbaatar held roles at VideoAmp, Reach Partners, and The Johns Hopkins Carey Business School. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sabine Laure Mve Wandey is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018. Prior to joining Merrill, she was employed at Honda of Annapolis from 2016 to 2018. 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, pension plans, corporations, and charitable organizations.

Howard Gun is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Ameriprise and its affiliate since 1992. In addition to his advisory role, he engages in fiduciary activities, serving as an executor and attorney-in-fact. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Hunter Leed is a financial advisor with OSAIC, holding a Series 66 designation and two years of industry experience. Prior to joining OSAIC, he worked at Lincoln Financial Advisors Corporation and has a background that includes service with the United States Coast Guard. Outside of his advisory role, he is also involved as an insurance agent with Mylestone Plans, focusing on a variety of insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a broad network of advisors. The firm offers a range of financial services and employs various investment tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Brian Culloty is a financial advisor at LPL Financial with 42 years of industry experience. He holds the Series 63 designation and has worked at LPL Financial since 2018, following a 32-year tenure at INVEST Financial Corporation. Outside of his advisory role, he is involved with Waterview Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jason Rowett is a financial advisor at Merrill with 10 years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Merrill since 2017. Prior to that, he was employed at Bank of New York Mellon from 2015 to 2017 and Bank of America starting in 2023. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.