Barbara Zelensky is a Series 66 licensed financial advisor with Merrill in Annapolis, MD, having entered the industry in 2024. Her prior experience includes positions at the University of Maryland and Brave Generation Academy. 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 investors, and institutions.

Debra Harrell is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of the Harrell Group based in the Annapolis office. She joined Merrill Lynch in 1997 and serves as a Portfolio Manager, managing personalized and defined investment strategies on a discretionary basis. Debra’s work focuses on helping affluent and high-net-worth clients as well as small businesses and non-profit organizations by developing customized wealth management plans that address personal retirement planning, college education planning, family wealth strategies, retirement income, tax minimization, and portfolio management services. Debra holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. She earned an associate’s degree from Anne Arundel Community College. The Harrell Group takes a holistic approach to wealth management, utilizing resources from Merrill and Bank of America to provide services that include retirement and wealth transfer planning, home financing, business lending, education planning, insurance, and banking. Debra and her team emphasize building strong client relationships through careful information gathering and disciplined implementation of financial strategies. Outside of her professional role, Debra is active in her church as a youth group mentor. She lives in Pasadena, Maryland with her husband, Randy, and enjoys playing pickleball and tennis as well as spending time with her family.

Ally Harrison is the Vice President and Wealth Planner at Fidelity Investments, a role she has held since 2018. She has been with Fidelity Investments since 2012, progressing through various positions including Financial Representative, Premium Services Associate, Investment Solutions Representative, Investment Consultant, and Financial Consultant. Her experience spans multiple facets of wealth planning, allowing her to work with clients and families in diverse financial situations to co-create personalized financial plans. Ally's approach is informed by her extensive tenure at Fidelity and her focus on understanding each client's unique circumstances. Outside of her professional role, Ally enjoys activities such as spending time at the beach, cooking and baking, football, golf, and traveling.

Avraham Frand is a Financial Advisor associated with Merrill Lynch Wealth Management. He works closely with clients to understand their individual financial goals and develops personalized investment strategies to help pursue those goals. His advisory services cover a range of areas including equity compensation services, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from Towson University and has earned professional designations such as CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Avraham's approach involves ongoing advice and guidance tailored to his clients' evolving needs. Outside of his professional work, Avraham's personal interests include chess, football, hiking, ice hockey, rock climbing, running, skiing, spending time with family, swimming, and tennis.

Robert Digsby is a Series 66-licensed financial advisor with Edward Jones in Odenton, MD, where he has worked for 13 years. He has 12 years of industry experience. Outside of his advisory role, he owns one rental property. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over 23,700 financial advisors nationwide. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Stefen Main is a financial advisor at Ameriprise with two years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Oppenheimer and Equitable Advisors. Outside of his advisory role, he is involved with Waypoint Group LLC in a capacity related to his financial advisory activities. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficient strategies to generate non-discretionary recommendations delivered through a centralized consulting team. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Jessica Sellars is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. She has worked at M&T Securities and M&T Bank since 1998 and joined LPL Financial in 2021. 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 services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of advisors and extensive operational resources.

Chelsea Ralston is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Bank of America, N.A. since 2016, in addition to her role at Merrill starting in 2014. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

James Hartman is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior experience includes roles at Bank of America, The Choptank, and various educational institutions. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Steven Filo is a financial advisor at LPL Financial with 12 years of industry experience. He holds a Series 66 designation and has worked at WellS Fargo, VALIC Financial Advisors, Agia, and Lincoln Financial Advisors prior to joining LPL Financial. Outside of his advisory role, he is involved with a real estate rental activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Christopher Saba is a Financial Advisor with Merrill Lynch Wealth Management and a member of The Farcosky Group. He provides strategic financial guidance to individuals, families, and business owners, focusing on areas such as family wealth management, legacy planning, personal retirement planning, and tax minimization. Christopher emphasizes understanding clients' life priorities to create personalized financial plans tailored to their goals and aspirations. Christopher holds a Bachelor's Degree in Economics from the University of Maryland. He possesses multiple professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Bilingual in English and Arabic, he collaborates closely with tax and legal professionals to develop tax-efficient strategies that support long-term wealth building. Committed to community involvement, Christopher serves as a chapter advisor for the Theta Chi Fraternity, mentoring college students in leadership and financial literacy. Outside of his professional and community activities, he enjoys boating, cooking, football, golfing, scuba diving, soccer, spending time with family, table tennis, and watching movies.

Stephen Owen III is a financial advisor at RBC Capital Markets with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at UBS Financial Services and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

James Matthews is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2010, he has worked closely with clients to understand their financial circumstances, concerns, and goals for themselves, their families, and their businesses. He assists in developing and implementing tailored wealth management strategies designed to address a variety of financial scenarios. James holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor® designation. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) designations. He earned a Bachelor's degree from Johns Hopkins University. Outside of work, James has interests in football, golf, skiing, and spending time with his family.

Douglas Brandeen is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he is involved in managing NA 89, LLC, an investment-related business based in Baltimore. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Steven Roth is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at firms including Commonwealth Financial Network, Severn Financial Advisors, and Cambridge Investment Research. Roth is also involved in fixed insurance sales conducted from his branch location. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diversified portfolio management options and financial planning services through a large network of independent advisors, managing over $256 billion in assets.

Anthony Bonacci is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 designation and 17 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Merrill prior to joining RBC and City National Bank. Outside of his advisory work, he is the president and sole member of Gone Phishin', LLC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering various wrap fee advisory programs with tailored investment strategies and integrated services.

Perry Hepworth is currently a Financial Consultant at Fidelity Investments, a role he has held since 2025. He has been with Fidelity Investments since 2013, progressing through various positions including Vice President and Branch Leader from 2019 to 2025, Assistant Branch Manager from 2018 to 2019, Branch Service Manager from 2015 to 2018, and General Management Apprentice from 2013 to 2015. With over 12 years of experience in the financial services industry, Perry's approach centers on understanding each client's story, values, and vision to provide tailored financial strategies. His work is grounded in building relationships based on trust and transparency, guiding clients through every stage of their financial journey. Outside of his professional life, Perry's personal interests include fitness, military service, parenthood, pets, and traveling.

Richard Horn is a financial advisor with UBS Financial Services in Baltimore, MD, holding the Series 63, 65, and 66 designations and bringing 25 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves on the board of directors for Living Classrooms and chairs the investment committee for Healthcare for the Homeless. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing tailored financial planning and portfolio management supported by proprietary research and capital market assumptions.

Michael Anselmi Jr. is a CFP® with 18 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2019. He previously worked at Morgan Stanley and Morgan Stanley Private Bank from 2008 to 2019. He is the sole owner of Anselmi Investment Advisory, LLC, an independent investment advisory business. 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 other financial products and referral channels.

Jason Dudderar is a financial advisor at Morgan Stanley with 26 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and models developed by its Global Investment Committee.