David Frank is a Wealth Management Advisor and Managing Director at Merrill Lynch Wealth Management. He has over 25 years of experience in the financial services industry, having previously worked at Legg Mason, Deutsche Bank, and Morgan Stanley Smith Barney before joining Merrill in 2013. His responsibilities include portfolio management, wealth planning, and client development. David's expertise encompasses areas such as divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor (CPFA) designation from the National Association of Plan Advisors. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Benefits Consultant (RBC) designations. David graduated in 1997 from Mount Saint Mary's University with a bachelor's degree and earned his MBA from Loyola University in 2001. He currently resides in Ruxton with his wife Emmie, their son Connor, daughter Abby, and dog Gus. He serves on the board of the Greater Ruxton Area Foundation. His personal interests include cooking, golfing, skiing, and spending time with his family.

Jonathan Wheeler is a financial advisor at Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation with 11 years of industry experience. His prior work includes roles at Bank of America, Merrill, and multiple positions within Morgan Stanley and its related entities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools.

Carole Leitgeb is a financial advisor with LPL Financial, holding Series 63, 65, and 66 credentials and 18 years of industry experience. She previously worked at Lincoln Financial Advisors, Ameriprise Financial Services, and Resource 1, Inc. Her activities include involvement with Academy Financial, Inc., related to her LPL business. 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 advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and advanced technologies such as machine learning.

Joseph Browning is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He specializes in family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, sports and entertainment, and retirement income. Joseph holds a Bachelor's Degree from McDaniel College and has earned professional designations as a Personal Investment Advisor (PIA) and a Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He works closely with clients to develop personalized financial strategies aligned with their unique goals, emphasizing simplicity and transparency throughout the wealth planning process. Outside of work, Joseph enjoys cooking, golfing, and spending time with his family.

David Grabner is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His prior work includes roles at Grove Point Investments, Grove Point Advisors, H.P Executive Group, and H. Beck, Inc. Outside of his advisory work, he is involved with a farm business in Glen Arm, MD. LPL Financial serves individual clients, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Zachary Garber is a CFA® charterholder with 13 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2016. He is based in Hunt Valley, MD, and holds Series 63 and Series 66 licenses. Outside of his advisory role, he is the CEO of Charm City Dreamers LLC, a podcast focused on interviewing Baltimore residents about how they have actualized their dreams. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base, including individuals, institutions, and government entities. The firm provides wealth advisory planning and investment consulting on a non-discretionary basis, combining extensive research and an affiliate network to support integrated custody, product sourcing, and public finance services.

Patrick Hurdle is a financial advisor at Mass Mutual Investors Services with credentials including Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Mass Mutual Investors Services, he worked at JP Morgan and Northwestern Mutual. Outside of advisory work, he is also engaged in outside insurance sales as an insurance broker. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides ongoing financial planning, asset management, and educational seminars, using firm-approved analytical tools to support annual, collaborative client engagements.

Richard Zink is a financial advisor at Robert W. Baird & Co. in Towson, MD, with 45 years of industry experience. He has been with Robert W. Baird since 2009 and holds a Series 63 designation. He is part of The DDK Group, a team within Baird’s Private Wealth Management department that serves individuals, corporate and business clients, pensions and profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, utilizing internal research and a combination of manager-traded and model-traded strategies.

Sarah Santeufemio is a CFP® professional with 18 years of industry experience, currently serving at Mass Mutual Investors Services since 2018. Her prior roles include positions at Eagle Strategies (NY Life) and PNC Investments. She is also involved in individual and group life, health, long-term care, disability insurance, and fixed annuities sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm emphasizes collaborative, goal-based planning using firm-approved analytical tools and offers specialized programs including estate-settlement and employer-sponsored planning.

John Beynon is a CFP® with 25 years of industry experience, currently serving as a financial advisor at Equitable Advisors. His prior roles include positions at Stifel Independent Advisors, City National Bank, and RBC Capital Markets Corporation. Beynon is also involved in family estate and wealth planning entities. Equitable Advisors serves a diverse client base, including individuals, high-net-worth clients, retirement plans, and institutional investors. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating primarily through LPL-sponsored programs and other endorsed platforms.

Andrew Hahn is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2020. His previous experience includes roles at Bank of America and Merrill. He is also the majority owner of HAHN GP, LLC, a separate business based in Cockeysville, MD. Wells Fargo Advisors Financial Network provides investment and financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, and business-owner transition planning. The firm delivers tailored recommendations using proprietary research and planning tools, integrating advisory services with other financial products and referral channels.

Angela Harper is a financial advisor with Primerica Advisors in Randallstown, MD, holding Series 63 and Series 65 licenses and with 22 years of industry experience. She has worked at PFS Investments Inc. since 2004 and Primerica Financial Services since 2003. Outside of investment advisory, she is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and selectively managed accounts for individual and high-net-worth clients. The firm employs third-party asset managers and provides a tiered, percentage-based wrap fee structure.

David Waite is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 credentials and possessing 41 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. He serves as treasurer for the Greater Summer Hill Association, a community organization in Phoenix, MD. 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 and tailored recommendations supported by Wells Fargo research and tools.

Nicholas Mac Lellan is a Series 66-licensed advisor at Merrill with two years of industry experience. He has been with Merrill since 2022 and has previously held roles at various organizations including the Kennedy Krieger Institute and the University of Maryland, Baltimore County. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Eric Mc Intyre is a CFP®-certified financial advisor with seven years of industry experience. He is currently with Cambridge Investment Research Advisors and has prior experience at firms including OSAIC, Securities America, and Morgan Stanley. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management strategies and platform options.

Leigh Ritchey is a financial advisor at OSAIC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Valic Financial Advisors and Agia. He serves as Director of Young Professionals for the Baltimore Chapter Society of Financial Service Professionals. OSAIC serves a diverse client base, including individuals, high-net-worth investors, pension plans, corporations, and nonprofits, offering integrated brokerage and advisory services with a variety of investment and portfolio management solutions.

Caitlin Propheter is a financial advisor at Cambridge Investment Research Advisors with four years of industry experience. She holds Series 66 and Series 63 licenses and previously worked at Janus Henderson Investors and Janus Henderson Distributors. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals utilizing a range of portfolio management and model-based solutions.

Richard Keever II is a financial advisor at Merrill in Hunt Valley, MD, holding Series 63 and Series 66 credentials with 12 years of industry experience. He has worked at Merrill since 2013 and also spent seven years at Bank of America, N.A. Outside of his advisory role, Keever is a general partner and managing member of East York Brazilian Jiu Jitsu, where he teaches Brazilian Jiu Jitsu and Judo. 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 for individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader platform, providing access to a wide set of products and services beyond typical managed account offerings.

Gregory Gilliam is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Before joining Merrill in 2022, he worked at Kohl's Inc for eight years and was an independent gig driver for one year. 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.

Thomas Law is a Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on creating comprehensive financial strategies tailored to his clients' individual goals and priorities. He works closely with clients to understand their full financial picture and help them pursue objectives such as education planning, family wealth management, legacy planning, personal retirement planning, portfolio management, tax minimization, and retirement income. Thomas holds a Bachelor's Degree from Salisbury University and has earned the Professional Investment Advisor (PIA) designation. His approach emphasizes listening to clients to identify and prioritize their financial goals, whether that involves wealth transfer to the next generation, customizing financial strategies to support personal passions, or providing ongoing advice and guidance. Outside of his professional work, Thomas enjoys boating, football, golfing, hiking, running, skiing, spending time with his family, and traveling.