Monica Brown is a ChFC® credentialed financial advisor with 34 years of industry experience. She has worked at OSAIC since 2023 and previously spent 14 years at Fsc Securities Corporation. Outside of her advisory role, she teaches group exercise classes at the YMCA of Central Maryland. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with various investment platforms, utilizing asset-allocation tools and third-party managers to construct portfolios tailored to client needs.

Aaron Burleson is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. He has 20 years of industry experience, including eight years at M&T Securities prior to joining LPL Financial in 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research from LPL and third-party subadvisors, and various investment technologies.

Howard Ulmer III is a financial advisor with Raymond James Financial Services Advisors, holding Series 63 and Series 65 credentials and 36 years of industry experience. Prior to joining Raymond James in 2019, he worked at Wells Fargo Clearing Services for 14 years. Outside of his advisory work, he is also a musician, performing as a guitarist and singer. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities, with a focus on tailored, non-discretionary advisory solutions and risk-based financial reviews.

Kevin Link is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked with Cetera and its affiliates since 2021 and previously spent seven years at VOYA Financial Advisors. He is also the president and owner of Link Financial Corp and volunteers with the St. Agnes Hospital Charitable Foundation’s finance committee. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across multiple program structures and custodial relationships.

Marjorie Inden is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63, 65, and 66 licenses and has 27 years of industry experience. She has been with Morgan Stanley and Morgan Stanley Smith Barney since 2008 and 2009, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Wylie Rice is a financial advisor at Equitable Advisors in Columbia, MD, holding a Series 66 designation with eight years of industry experience. Prior to joining Equitable Advisors in 2018, Rice worked at AXA Advisors LLC and was employed at Johns Hopkins University and its Department of Cognitive Neurology. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, brokerage services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer and utilizes LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

David Morton is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 credentials and 38 years of industry experience. He has been with Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Outside of his advisory role, he is involved in the family business, holding a 95% ownership stake in James A Morton & Sons Funeral Home and serving in corporate strategy. 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.

John Jilek is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Edward Jones since 2000. He conducts retirement training classes for government employees as a contract trainer with the National Institute of Transition Planning. 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 financial advisors and branch offices.

David Butler is a financial advisor at Wells Fargo Clearing with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. Incorporated. He serves as co-trustee of a family trust. 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 process includes investment policy statement preparation, investment recommendations, performance reporting, and participant education, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Randall Zinn is a financial advisor with Mass Mutual Investors Services, holding Series 63 and 65 licenses and bringing 38 years of industry experience. He previously worked at Metlife Securities Inc. for 30 years and has been with Mass Mutual Investors Services since 2017. Zinn is also an agent involved in life insurance, health, fixed annuities, and long-term care. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs collaborative, software-supported planning methodologies and offers specialized programs including estate-settlement and event-driven employer-sponsored planning.

Brandon Myers is a CFP® with eight years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. His prior roles include positions at Wells Fargo and Merrill Lynch. Outside of finance, his background includes work in the hospitality and restaurant industries. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm uses a quantitative asset-allocation process combined with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Jason Veals is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and has previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Veals attended the University of Maryland from 2019 to 2023. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors, offering a range of advisory programs and investment solutions under a fiduciary standard.

James Hurley is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with Wells Fargo Clearing since 2016, following prior roles at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of his advisory work, Hurley is involved in managing rental properties jointly owned 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 services. The firm’s advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

William Martin Jr. is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including SagePoint Financial, UHY Advisors Mid-Atlantic, Triad Advisors, The Prosperity Consulting Group, and Hertzbach & Co. He also serves as a principal at UHY Advisors Mid-Atlantic, consulting on tax matters. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to institutions, offering integrated brokerage and advisory services along with access to third-party money managers and various managed account solutions. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that can include a wide range of investment products.

David Kelly is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2017. He has been with Fidelity Investments since 2012, progressing from Investment Representative to Financial Consultant before his current role. Prior to joining Fidelity, David worked at T. Rowe Price from 2005 to 2012 in various roles including Investment Specialist, Investment Counselor, and Service Specialist. David's professional experience spans over a decade in the investment and financial consulting industry. He focuses on understanding the unique needs of his clients and their families through active listening and tailored financial planning. His approach aims to provide clients with peace of mind and to serve as a trusted advisor to their families.

David Deeter is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. His prior work includes roles at Royal Alliance Associates, Bank of America, Merrill, the USPS, and Rogers Jewelers. OSAIC serves a diverse client base including individual investors, corporations, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides a range of services such as brokerage, investment advisory, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to construct diversified portfolios.

Barbara Zelensky is a Series 66-licensed financial advisor with Merrill in Annapolis, MD, beginning her tenure in 2024. She has no prior industry experience before joining Merrill. Merrill provides managed account services primarily to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies across client types including individuals, high-net-worth clients, and institutional fiduciaries.

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.

Darren Bush is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, Axa Advisors, LLC, since 2002. 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 various third-party asset managers. The firm operates a hybrid referral and implementation model, utilizing multiple advisory programs and credentialed fiduciary services.