Darius Lynch is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and one year of industry experience. He previously worked at T. Rowe Price and Morgan Stanley. Outside of finance, he works as a bartender at Outback Steakhouse. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Kelbaugh is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sarah Rosenthal is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. She draws on her experience as a former small business owner and her professional background to assist clients in managing their financial futures with practical and tailored guidance. Sarah specializes in serving women, business owners, Gen X and Millennial families, and families with special needs loved ones, providing strategies aligned with their values and goals. A CERTIFIED FINANCIAL PLANNER4 professional and Chartered Special Needs Consultant4 designee, Sarah helps clients navigate complex financial decisions including family wealth management, retirement planning, socially responsible investing, small business strategies, and special needs planning. She is a Personal Investment Advisor and emphasizes collaboration and clear communication to build lasting financial security and generational wealth. Sarah holds degrees from Towson University and Goucher College. She is involved in the Baltimore Estate Planning Council and participates in community organizations such as the Girl Scouts of Central Maryland, Itineris Baltimore, Cavalier Rescue USA, and the Red Cross of Central Maryland. Her personal interests include hiking, knitting and crocheting, reading, spending time with family, and watching movies.

Shari Winkelman is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Jason Koval is a CFP® and holds a Series 65 license with one year of industry experience. He is currently with LPL Financial and has held prior roles at firms including Thompson Wealth Solutions, Elite Income Advisors, Red Oak Financial Group, Baltimore-Washington Financial Advisors, and Ameriprise Financial Services. 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 retirement plan consulting, with access to model portfolios, third-party research, and various management strategies.

Andrew Heird is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth planning, liquidity management, managing new wealth, and personal retirement planning. Since entering the financial services industry in 2017, Andrew has dedicated his work to connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Andrew holds a bachelor's degree in Business, Organizations, and Society from Franklin and Marshall College, class of 2016. He has earned the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ certification from the College for Financial Planning. His professional designations also include Personal Investment Advisor (PIA). Based in York, Pennsylvania, Andrew lives with his wife, son, and dog. Outside of his professional role, he enjoys boating, fishing, football, golfing, hiking, hunting, scuba diving, and skiing.

Christopher Yingling is a financial advisor with RBC Capital Markets in Westminster, MD, holding Series 63, Series 65, and Series 66 licenses and bringing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Yingling serves on the Carroll Community College Planned Giving Committee, advising on fundraising strategies. 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 range of advisory programs with customizable portfolio management strategies that incorporate in-house and third-party investment managers and tax-management options.

James Rong is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to Merrill, he held positions at William Blair, Maximus, Walmart, and Giant Food. He has also been involved in education at both high school and university levels. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Tyler Marner is a financial advisor at Merrill with Series 66 and Series 63 credentials and less than one year of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase Bank, T. Rowe Price, FedEx, and other organizations. Outside of finance, he has been involved with Anarchy Gym since 2020. 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.

Jennifer Astasauskas Glatz is a financial advisor with Morgan Stanley Wealth Management, holding Series 66 and Series 63 licenses and bringing five years of industry experience. She previously worked at Merrill for 22 years and Bank of America Investment Services, Inc. for 25 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Todd Liddick is a financial advisor at LPL Enterprise with three years of industry experience. Prior to joining LPL Enterprise, he worked for eight years with the Maryland State Government and eleven years with the Maryland State Police. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, advisory services, and access to various investment and insurance products through an integrated platform combining advisory programs and brokerage channels.

Robert Scott is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC. Outside of his advisory role, he is co-owner of Storm Front Farm, which breeds, raises, and trains horses for fox hunting, and serves on the investment committee of the Elkridge Harford Hunt Club, a private fox hunting organization. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jason Bell is a CFP®-certified financial advisor with 18 years of industry experience. He has worked at Northwestern Mutual in various roles from 2009 to 2025 before joining Raymond James Financial Services Advisors, Inc. in 2025. Outside of his advisory work, he serves as CEO of KEBJSB LLC and is involved in vetting insurance carriers to address clients' risk management needs. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools such as risk profiling and probability modeling to support client goals.

Gabrielle Rullo is a financial advisor with Merrill and holds a Series 66 designation. She has one year of industry experience and has worked at Bank of America, N.A. and The Federal Savings Bank. Outside of her financial career, she has been involved with Glyndon Grill since 2018. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary strategies developed by internal and third-party managers.

Paul Mercer is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, bringing nine years of industry experience. Prior to joining Merrill in 2017, he worked four years at Guitar Center Inc. He is also the owner of an independent audio engineering contracting business. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Sommerfield is a CFP® professional with 26 years of industry experience, currently serving as a financial advisor at Ameriprise since 2009. He is also the owner and president of Zabby Inc., a business related to his Ameriprise practice. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research-driven recommendations with a variety of advisory, brokerage, and insurance solutions through its institutional platform.

Rachel Lesnick is a financial advisor with Merrill, holding Series 63 and Series 66 licenses and bringing 43 years of industry experience. She has been with Merrill since 2008. 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. The firm offers a range of model-based and discretionary investment strategies designed for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patrick Delisa is a financial advisor at Merrill with 11 years of experience in the industry. He holds the Series 63 and Series 66 licenses and has worked at Merrill since 2015. 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 teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eduard Douglass Fearon is a financial advisor at Mass Mutual Investors Services with three years of industry experience. He holds Series 63 and Series 65 licenses and has worked at MassMutual Life Insurance Company and MML Investors Services LLC since 2020. Prior to his current roles, he was involved with Fearon Enterprises International from 2008 to 2020. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as annual collaborative relationships using firm-approved software for goal analysis and written recommendations.

Brendan O’Brien is a financial advisor at Merrill with 15 years of industry experience. He holds Series 65 and Series 63 credentials and has prior experience with Bank of America, Prudential Insurance Company of America, and New York Life Insurance Company. 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.