Richard Rieman III is a Financial Advisor at Merrill Lynch Wealth Management in Columbia, MD. He focuses on understanding each client's full financial picture to develop personalized strategies that adapt to changing market conditions. Richard provides access to the investment insights of Merrill and the banking and lending solutions of Bank of America, supporting clients in areas such as retirement planning, portfolio management, and education planning. With expertise in college education planning, family wealth management, liquidity management, socially responsible investing, and retirement income, Richard serves as a comprehensive resource for his clients' financial goals. He holds a Bachelor's Degree from the University of Baltimore and the Personal Investment Advisor (PIA) designation. Richard is involved in the community through volunteer work with the Maryland SPCA. Outside of his professional role, he enjoys basketball, cooking, golfing, hiking, reading, running, spending time with his family, and traveling.

Soraya Teymourian is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, previously working within other Wells Fargo entities since 2015. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory options. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Sarah George is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 credential and has worked at Morgan Stanley Smith Barney since 2009, currently serving at Morgan Stanley Private Bank since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and modeling techniques.

Alexander Koster is a financial advisor at Equitable Advisors with a Series 66 designation. He has no prior industry experience and previously worked in the restaurant and hospitality sectors, including roles at De Lazy Lizard Tiki Marina and Island Grill and Dead Freddies Island Grill. Equitable Advisors serves a broad range of clients, including individuals, high-net-worth investors, retirement plans, corporations, and charitable organizations, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through LPL-sponsored programs and endorsed third-party managers, providing both discretionary and non-discretionary advisory services.

Genesis Inoa Reyes is a Planning Consultant at Fidelity Investments, a role she has held since 2023. In this capacity, she collaborates with local advisors to support clients by addressing ongoing needs and assisting with strategy implementation. Her approach involves understanding clients' priorities, analyzing their current financial situations, and partnering with them to develop strategies aimed at achieving their goals. Prior to her current position, Genesis served as a Relationship Manager at Fidelity Investments from 2022 to 2023, and as a Financial Representative from 2021 to 2022. These roles have contributed to her experience in financial advising and client relationship management. Outside of her professional work, Genesis enjoys activities such as spending time at the beach, family activities, fitness, music, and traveling.

Marcello Difrancesco is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2020, he worked at The Prudential Insurance Company of America and Pruco Securities, LLC, and has experience in the hospitality industry. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by third-party research and technology.

Marjorie Adams is a financial advisor with Primerica Advisors in Randallstown, MD, holding Series 63 and Series 65 designations and nine years of industry experience. She has been with Primerica Advisors since 2016 and concurrently affiliated with Primerica Financial Services since 2015. Adams has also been involved with Morgan State University since 2006. In addition to her advisory role, she receives non-investment related compensation through referrals for home security, automation, and related services. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and discretionary separately managed accounts primarily to individual and high-net-worth clients. The firm uses a percentage-based wrap fee structure and curates third-party asset managers, delegating model implementation to BNY Mellon Advisors.

Priam Chun is a financial advisor at Edward Jones in Ellicott City, MD, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2021, he spent 18 years with Jays Restaurant Group Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,700 financial advisors.

Gregory Salvucci is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Equitable Advisors since 2015 and previously worked at Axa Advisors LLC. Salvucci also served at Towson University for 16 years. Equitable Advisors provides financial planning, retirement-plan support, and access to asset management for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm operates a hybrid referral and implementation model, utilizing third-party asset managers and offering both advisory and brokerage/insurance channels to implement client recommendations.

Jason Tawney is a financial advisor at Edward Jones with 26 years of industry experience. He has been with Edward Jones since 1999 and holds Series 63 and Series 65 designations. Outside of his advisory role, he is associated with E & B Enterprises, a sports complex in Rockville, MD. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a nationwide network of over 23,000 financial advisors.

Bhupesh Hukmani is a financial advisor at Fidelity with seven years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2022, following four years at T. Rowe Price. Prior to entering the financial sector, he spent eight years at CarMax. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm uses a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Rashmi Dhankhar is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at various Wells Fargo entities since 2013. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options using diversification principles and modern portfolio theory.

Michael Girard is a financial advisor at Equitable Advisors with a Series 66 designation and one year of experience at the firm. His prior roles include positions at Key Wealth Managers and Towson University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, utilizing both advisory and brokerage channels to deliver tailored client solutions.

John Haigler is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding a Series 66 designation and 19 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he co-owns an event planning business, The Vinoy Group, with his spouse. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Adam Hewat is a financial advisor at OSAIC with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors, AIG, and VALIC Financial Advisors. Outside of advising, he is also licensed as an insurance agent, selling and servicing various insurance products including accident and health insurance, disability insurance, and annuities. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage, investment advisory services, financial planning, and access to multiple advisory platforms. The firm uses firm-provided tools and third-party solutions to construct and manage diversified portfolios across various asset classes.

Patrick Taylor is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked at PFS Investments, Inc. since 2008 and Primerica Financial Services since 2006. In addition to his advisory role, Taylor is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and selectively managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure for its investment solutions.

Juliette Smith is a financial advisor with Merrill in Columbia, MD, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill Lynch since 1999. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s platform, providing access to a wide set of products and services beyond investment management.

Richard Nudelman is a CFP® with 24 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and 1ST Global Advisors. He is also the owner of Nudelman & Associates CPA’s LLC, providing accounting and tax services, and Columbia Financial Advisors, LLC. 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 providing discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Eiber Medina Gutierrez is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2018, following two years at Capital One Bank N.A. Outside of his advisory role, he owns a remodeling and subcontracting construction business. Merrill 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Jonathan Aguilar Bernstein is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses. He has been with Wells Fargo Clearing since 2025 and has prior experience at Wells Fargo Bank, Rocket Mortgage, and several other organizations. 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 includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.