Andrea Kirk is a financial advisor with Ameriprise in Abingdon, MD, holding a CFP® designation and Series 63 and 65 licenses. She has 27 years of industry experience, including over 20 years with Ameriprise and its affiliated entities. Kirk is involved in several outside activities, including co-ownership of multiple business ventures and serving on the Board of Directors for SARC and investment committees for the Community Foundation of Harford County and The Arc Northern Chesapeake Region. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with significant investable assets, providing personalized recommendation reports that integrate tax-efficient withdrawal strategies and social security options. The firm combines research-driven modeling and algorithmic automation to support its advisory services, primarily focusing on assets held in Ameriprise managed accounts.

Daniel Anderson is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2009. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charities, and corporate fiduciaries. The program includes various investment options implemented by Managed Account Advisors LLC and affiliated managers, supported by Merrill’s Chief Investment Office.

Jason Powell is the Vice President and Branch Leader at Fidelity Investments, where he oversees support for associates and clients in the Towson territory. He has held this leadership role since 2011, focusing on helping clients achieve their financial goals and supporting his team's development. Mr. Powell's career spans over two decades in the financial services industry, with previous roles at Fidelity Investments including Assistant Branch Office Manager. Prior to joining Fidelity, he held multiple positions at T. Rowe Price, such as Branch Manager, Assistant Branch Manager, Investment Counselor, and Investment Services Representative. His experience encompasses branch management and investment counseling. Outside of his professional responsibilities, Jason Powell enjoys biking, camping, skiing, and participating in family activities. He is also involved in volunteering in his community.

Connor Brandeen is an Investment Consultant at Fidelity Investments, where he focuses on helping clients plan for a broad range of financial goals. He emphasizes building strong, personalized relationships to understand each client's unique story and develops tailored financial strategies and plans aligned with their individual circumstances and retirement aspirations. Connor's professional experience includes roles as an Investment Consultant at Fidelity Investments beginning in 2024, Financial Advisor at UBS Financial Services in 2024, and Internal Retirement Consultant at Allianz Life Financial Services from 2021 to 2023.

Marija Wade is a Series 66-licensed financial advisor with Merrill, based in Baltimore, MD, and has 10 years of industry experience. She has been with Merrill since 2015 and concurrently associated with Bank of America, N.A. since 2016. Merrill provides managed account services through the Select Portfolio Solutions program to a broad range of clients, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based, discretionary, and tax-aware investment strategies with access to Bank of America’s corporate platform and related services.

Jia Jia Zhu is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office and UBS Global Research to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of solutions including discretionary portfolio management, fee-based financial planning, and alternative product distribution.

Michael Levin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 66 credentials and 44 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored consulting and portfolio services including financial planning, discretionary and non-discretionary management, and a range of investment strategies across traditional and non-traditional asset classes.

Kyle Mcdonell is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding a Series 66 designation and six years of industry experience. He joined Wells Fargo Advisors in 2024 after roles at Wells Fargo Clearing from 2019 to 2024 and has experience in consulting and media-related positions earlier in his career. He also owns McDonell Capital Group LLC, a financial-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm delivers tailored recommendations supported by proprietary research and planning tools, serving clients who meet certain net-worth thresholds.

Thomas Colantuno is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds the Series 66 designation and has worked previously at Ameriprise Financial Services, Inc. for ten years before joining Financial Engines Advisors L.L.C. in 2023. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Sean Monaco is a financial advisor at Merrill with six years of industry experience. He holds the Series 66 designation and has previously worked at Raymond James Financial Services, Atlantic Fireproofing, and Genesis Healthcare. He is based in Baltimore, MD. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Jenienne Fagan is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. She has worked at LPL Financial since 2021 and has been with M&T Securities since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various financial planning and advisory programs, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Matthew Alpert is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes a decade at Wells Fargo Clearing and Wells Fargo Advisors. He is currently based in Towson, MD. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

Christopher Yanson is a financial advisor with Raymond James Financial in Towson, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He is the owner of Armory Financial, a support company, and also owns Gregmark, LLC. He has been affiliated with Raymond James Financial Services Advisors Inc. since 2014. Raymond James Financial Services Advisors, Inc. serves a wide range of clients including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation, modeling tools, and firm research to tailor recommendations.

Mark Schulze is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley since 2017, including seven years at Morgan Stanley Private Bank, N.A., and has prior experience at Park Avenue Securities, LLC and Guardian Life Insurance Co. of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Kevin Brandel is a Wealth Management Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in the Towson, MD office. He is a CERTIFIED FINANCIAL PLANNER® practitioner who builds personalized financial strategies tailored to the unique needs of families and individuals. Kevin manages custom investment strategies on a discretionary basis, selecting from a range of Merrill model portfolios and third-party investment strategies. Kevin earned his bachelor's degree in Finance and Marketing from the University of Kentucky in 2013. He completed the Financial Planning Certificate Program at Bryant University and earned the CERTIFIED FINANCIAL PLANNER® certification in 2019. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He resides in Sykesville, MD with his wife Kristen and their two sons, Shane and Grant. Outside of work, Kevin spends time with his family and enjoys golfing. He is a member of the Carroll County Chamber of Commerce.

Charles Koras is a Series 66 credentialed advisor with Morgan Stanley in Lutherville, MD, beginning his industry career in 2025. Prior to joining Morgan Stanley, he worked at St John Properties and held roles at the University of Maryland College Park and Loyola Blakefield. Outside of finance, he is involved as an assistant coach with Predators Lacrosse, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

John Gibson Jr. is a CFP® with 31 years of experience in the financial services industry, currently associated with LPL Financial since 2023. His prior roles include positions at Fulton Bank, Raymond James Financial Services, and M&T Securities. In addition to his advisory work, he serves as a notary in Annapolis, MD. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Colleen Schuler is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party subadvisors, and technology-driven strategies.

Joel Margolis is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured tools and modeling techniques.

Kenneth Cooper is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 49 years of industry experience. His prior firms include Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Company. He is also a notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management options.