Lawrence Adam III is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Deutsche Bank Securities Inc and has served as a professor at Loyola University Maryland since 2018. Raymond James & Associates is a large, dual-registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and charitable organizations. The firm offers financial planning and investment consulting with a range of portfolio management styles, municipal advisory services, and specialized employer consulting programs.

Daniel Colligan is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 credentials and 16 years of industry experience. He has worked at Bank of America and Merrill for the past 10 years. Outside of his advisory role, he works as a consultant and independent contractor delivering goods for Walmart Spark. 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 and profit-sharing plans, corporations, and charitable organizations.

Michelle Roeseke is a financial advisor at Edward Jones with 18 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Stephen Moran is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company for over two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides various advisory programs, financial planning, retirement consulting, and brokerage services with both discretionary and non-discretionary management options.

Angela Candelaria is a financial advisor at Merrill with a Series 66 designation and over 16 years of experience in the industry. She has been with Merrill since 2010. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jeffrey Niedzwiecki is a financial advisor at Ameriprise with six years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2019. Outside of his advisory role, he is involved in operations and website product maintenance for Intercon Truck Equipment. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Russell Smouse is a financial advisor with RBC Capital Markets in Bel Air, MD, holding a Series 66 designation and one year of industry experience. He has worked at RBC Capital Markets since 2023 and has previous roles including positions at ASPIRE Continuing Education and Loyola University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored strategies implemented through in-house and third-party investment managers, emphasizing customizable portfolio management and integrated capital markets resources.

Christopher Ruby is a CFP® and holds a Series 66 license, with 16 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln Financial Advisors Corporation, T Rowe Price, Allstate Insurance Company, and Lincoln Financial Advisors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services across multiple advisory platforms, employing asset-allocation tools and third-party solutions to manage portfolios that include various asset types and investment styles.

Patrick Dougher is a financial advisor with Merrill, holding a Series 66 designation and ten years of industry experience. He has been with Merrill and its affiliated Bank of America since 2016. 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 and profit-sharing plans, corporations, and charitable organizations.

Ryan Woolery is a financial advisor at Merrill with Series 63 and Series 66 licenses and 10 years of industry experience. He has worked with Merrill since 2016. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Trueschler is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Dawn James CPA, and Harford Retirement Planners. 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 individuals, high-net-worth clients, and various institutional investors.

Kevin Bell is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His career includes roles at Morgan Stanley Private Bank, N.A. and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process relies on structured discovery and firm-approved tools, providing tailored plans without individual security recommendations in standalone planning.

Eric Brann is a CFP® professional with over 31 years of experience, currently serving at Morgan Stanley in Hunt Valley, MD. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Jason Costner is a CFP® with 23 years of industry experience, currently serving at Cetera since 2025. He previously worked at Avantax Investment Services and 1st Global Advisors, with six-year tenures at each firm. He also maintains an investment advisory role with WABC Wealth Management Services. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual and institutional clients, offering diverse investment platforms and access to both affiliated and third-party managers.

Heather Joynes is a financial advisor at Stifel with 27 years of industry experience. She has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is a Maryland-certified notary public. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling to guide asset allocation and financial planning decisions.

Nathan Badowski is a CFP® professional with 19 years of industry experience. He is currently with LPL Enterprise and has held prior roles at Prudential Insurance Company of America, Pruco Securities, Camden Planning Group, Eagle Strategies, NYLife Securities, and New York Life Insurance Company. LPL Enterprise, LLC serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model portfolio programs, third-party asset management, and a wide range of brokerage and insurance products.

Lauretta Yeagy is a financial advisor with LPL Financial holding a Series 66 designation and five years of industry experience. She has worked with Wilmington Advisors and M&T Securities, Inc., and briefly with COMPASS Group Inc. Crothall Health. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Dale Waters III is a CFP®-designated financial advisor with seven years of industry experience. He currently works at Morgan Stanley in Hunt Valley, MD, with prior experience at Bank of America and Merrill. Waters attended the University of Virginia before beginning his financial services career. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Jackson Boothby is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles outside of the financial sector at companies such as Jet Services Inc and Alley Oops. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Andrew Garrett is a financial advisor at Cetera with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Avantax Investment Services and 1st Global Capital Corp. Outside of his advisory role, he serves as a trustee for a 401(k) plan and is involved with WABC Wealth Management Services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.