David Johnson is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he develops financial strategies and provides advice tailored to individuals, families, and businesses. He focuses on understanding clients' short- and long-term financial objectives to deliver customized solutions. With over 25 years of experience in the finance and accounting fields, David combines a detailed-oriented approach with expertise gained from roles including 13 years at T. Rowe Price and his work at Merrill Lynch. His areas of focus include college education planning, divorce transition planning, family wealth management strategies, investment consulting for defined contribution plans, personal retirement planning, portfolio management, tax minimization, and retirement income. David holds an MBA from Johns Hopkins University and a Bachelor's Degree from West Virginia University. He is certified as a CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He participates in professional organizations such as Delta Sigma Pi - Business Fraternity, Harford Business Roundtable for Education, and Harford County Chamber of Commerce. Residing in the Fallston, MD area with his wife and two daughters, David is involved in the local community, including participation with Fallston High School's Cougar Boosters. His personal interests include golfing, hiking, soccer, spending time with family, and traveling.

Norman Townsend III is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2020. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory role, he is an executive performance coach at the Team Performance Institute, focusing on leadership and team development. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that emphasize tailored, non-discretionary advice supported by in-depth analysis and a broad range of portfolio management styles.

Russell Hewitt Jr. is a financial advisor with MassMutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and 11 years of industry experience. He has been with MassMutual Investors Services since 2015 and is also involved with MassMutual Life Insurance Company. Hewitt has ownership and sales roles at Onorato Financial Group LLC, which focuses on life, health, disability insurance, fixed annuities, and long-term care. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring client engagements as collaborative annual relationships using firm-approved analytical tools.

Joshua Mikolowsky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. His prior experience includes roles at Bank of America and Merrill Lynch. He is based in Hunt Valley, MD. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning and consulting with a non-discretionary approach supported by various portfolio management styles and affiliated research.

Khloe Adams is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at T. Rowe Price for three years and has professional experience at Under Armour and Stevenson University. Outside of finance, she was involved with Tiki Lee's Dock Bar for three years. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and research, including Monte Carlo simulations and secular return estimates.

Erik Barrueto is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process incorporates structured discovery conversations and firm-approved tools but does not include individual security recommendations as part of standalone plans.

Debra Press is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. Her previous roles include positions at Bank of America, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of her advisory work, she owns an eBay retail business specializing in household items, shoes, and collectibles. 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, and institutional investors.

Brenden Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors LLC. Outside of his advisory role, Bosmans writes and records music. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s IPS-driven process incorporates modern portfolio theory and includes a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Candido Palting III is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Morgan Stanley Smith Barney since 2009, currently working at Morgan Stanley Private Bank. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and risk modeling techniques.

Timothy Cerny is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked extensively at Guardian Life Insurance and Park Avenue Securities before joining LPL Financial. Outside of his advisory role, he is involved in selling life and disability insurance with several financial partner groups. 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 offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Shane Smith is a financial advisor with LPL Enterprise holding a Series 66 designation and has been in the industry since 2026. Prior to joining LPL Enterprise, he worked at Bethesda Wealth Planning Group and Georgetown Financial Group. Outside of finance, he has experience in construction and education, having worked at Cherry Hill Construction Company and Madison Public Schools. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, providing financial planning, advisory services, and access to brokerage and insurance products through an integrated platform.

Tendai Mubagwe is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Tendai worked at NIH Federal Credit Union and Premier Bank, among other roles. Outside of finance, Tendai is the founder and business manager of an online venture, DigitalMarketingbyT, which offers digital product templates and customizable gift items. 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 diverse client base including individuals, high-net-worth clients, and institutions.

William Nicklas is a financial advisor at Merrill with Series 66 and Series 63 credentials. He joined Merrill and Bank of America in 2026 and has prior experience at T. Rowe Price. Outside of financial services, he has been involved in various educational roles and operates a self-employed dog sitting business. 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 a range of clients including individuals, high-net-worth clients, and institutional investors.

Matthew Roberts is a Financial Advisor at Merrill Lynch Wealth Management, serving as the first point of contact and trusted confidant for clients and their families. He and his team manage every aspect of clients' financial lives, delivering a comprehensive service aimed at providing lasting financial security and building generational wealth. Matthew's expertise includes executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, sports and entertainment, and tax minimization. His approach incorporates robust investment management, tax optimization strategies, retirement and income planning, estate and legacy coordination, lending solutions, and ongoing financial guidance. He holds a Bachelor's degree from the University of South Carolina System and earned his CERTIFIED FINANCIAL PLANNER (CFP) designation. Matthew treats every client relationship with the same care and attention he would give to his own family. His personal interests include football, golfing, music, pickleball, skiing, spending time with family, swimming, tennis, traveling, and volleyball.

Jeffrey Munson is a Series 66-licensed financial advisor with 27 years of industry experience, currently with Wells Fargo Advisors since 2021. Prior to joining Wells Fargo, he worked for RBC Capital Markets from 2009 to 2021. Outside of his advisory role, Munson is involved in entrepreneurial ventures including ownership interests in investment-related LLCs. 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 services supported by Wells Fargo’s research and financial tools.

Simon Moore is a financial advisor at Ameriprise with one year of industry experience. He holds a Series 66 designation and has prior work experience that includes roles at the Naval Academy Golf Association and the Naval Academy AA&F. Outside of advisory work, he has been involved with the Naval Academy Golf Association. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement income planning advice, focusing on dependable income sources and tax-aware withdrawal strategies.

Benjamin Maulone is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior experience includes roles at Encore Global and Bank of America, N.A. Outside of finance, he performs as a saxophone player with the Mood Swings Big Band, an event band based in Baltimore. 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, corporations, and charitable organizations.

Thomas Mc Elwee is a financial advisor at LPL Enterprise with 13 years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Mutual of Omaha. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory and brokerage services, and access to model portfolios and third-party asset management through an integrated platform that combines advisory programs with financial product sales.

Stacey Spedden Irrgang is a financial advisor with Osaic, holding a Series 66 designation and 32 years of industry experience. She previously worked for Lincoln Financial Advisors Corporation for 32 years before joining Osaic in 2025. Outside of her advisory role, she owns Stacey Spedden & Associates, LLC, an entity used for business expenses and payroll, and is involved in offering insurance products including accident and health, disability, traditional life insurance, fixed annuities, and health savings accounts. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers, providing integrated brokerage and investment advisory services. The firm utilizes various tools and third-party platforms to construct portfolios and support client investment needs, operating under a complex corporate structure with multiple mergers and private-equity ownership.

Rodney Sams is a financial advisor with Merrill in Eldersburg, MD, holding a Series 66 designation and three years of industry experience. Before joining Merrill in 2022, he worked at Truist Bank, M&T Bank, Belk, and GameStop. Outside of his advisory role, he serves as a consultant and independent contractor for Limitless Volleyball Club, assisting the head coach with training and team support. 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, pension plans, corporations, and charitable organizations.