Karin Mottus is a CFA® charterholder with 34 years of industry experience and has been with Stifel since 2007. She holds a Series 63 license and is based in Hunt Valley, MD. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment strategy developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Michael Clayton is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Harford Financial Group and Cambridge Investment Research Inc. Outside of his advisory roles, he serves as a volunteer committee member at Bethlehem Church in Baltimore, MD. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing both proprietary and third-party model strategies across multiple custody platforms.

Kevin Murphy is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, N.A. and T. Rowe Price. Outside of finance, he was involved with the James Madison University Sport Club Council. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with client or advisor discretion and emphasizes tax-focused capabilities supported by its integration with Bank of America affiliates.

Bryon Knoble is a Series 66 licensed financial advisor with 15 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for one year. Outside of his advisory role, he serves as president of Maryland Resource Network, LLC, a networking and referral group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Colby Savadove is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He has held prior roles at UBS Financial Services from 2013 to 2022. In addition to his advisory work, he acts as a power of attorney for his mother. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet certain net worth criteria, utilizing proprietary research and planning tools.

Khai Atkinson is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience in financial services within the Middle Tennessee area. He specializes in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Khai works closely with clients to develop personalized financial strategies that align with their long-term goals, ensuring they fully understand the recommendations and options presented. Khai holds a Bachelor's Degree from Auburn University and is a Personal Investment Advisor (PIA). He is committed to building and maintaining strong client relationships through accessible, knowledgeable, and experienced guidance. In addition to his professional role, Khai participates actively in community volunteer organizations, reflecting his dedication to the Merrill tradition of community involvement. Outside of work, he enjoys adventure sports, camping, fishing, golfing, hiking, photography, running, soccer, and spending time with his family.

Gino Zazzetta is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He has held roles at Fusco Financial Associates and non-variable insurance firms since 2016. Zazzetta also serves as a board member for the Linwood Center, a nonprofit organization. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary planning using risk profiling and modeling tools, and supports municipal and public finance through a unique affiliation with a municipal advisor.

Jason Goeller is a financial advisor with Wells Fargo Clearing in Hunt Valley, MD, holding a Series 66 designation and 22 years of industry experience. He has been with Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC. 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 approach 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.

Sherie Harrison is a financial advisor with Morgan Stanley, holding a Series 66 designation and 18 years of industry experience. She previously worked at Merrill for 19 years before joining Morgan Stanley Smith Barney LLC. 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, including tailored financial planning using structured discovery conversations and firm-approved planning tools.

Erik Keller is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory role, Keller owns Keller Financial Services, LLC, and acts as an expert witness. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a broad network of independent professionals, utilizing a variety of portfolio management approaches and proprietary model strategies.

Alvin Anton is a financial advisor with LPL Financial in Hunt Valley, MD, holding Series 63 and Series 65 licenses and having nine years of industry experience. He previously worked at HighTower Securities, LLC, and also provides investment advisory services through Summit Investment Advisors, Inc., an independent firm he is affiliated with. Outside of his advisory roles, he is the owner of Anton Racing LLC, a business unrelated to investment services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, and supports a network of over 22,800 advisors managing more than $819 billion in discretionary assets.

Jane Benjes is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and previously worked at Clearwater Management, Inc. from 2015 to 2017. Jane also has experience at Towson University between 2013 and 2016. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nasser Ali is a financial advisor at Osaic Wealth, Inc. with 30 years of industry experience. He holds the CFP® and CFA® designations and has worked previously at Lincoln Financial Advisors and Lincoln Financial Securities Corporation. He also serves as an investment trustee for two family trusts and is the Director of Investment Management at Heritage Financial Consultants. Osaic Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of advisers and multiple platforms. The firm offers integrated brokerage and advisory services using firm-provided asset allocation tools and third-party manager access, supporting a broad range of investment strategies.

Andrew Piet is a financial advisor at Merrill with 15 years of industry experience. He previously worked at Wells Fargo Bank NA and Wells Fargo Clearing from 2017 to 2022, and BB&T Investment Services, Inc. from 2016 to 2017. Outside of his advisory role, he serves as Treasurer and Board Member for the Reisterstown Kiwanis Foundation, a charitable organization focused on child welfare. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lachezara Docheva is a Financial Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management. She joined Merrill in 2017, bringing a dedication to individualized financial planning and client-focused wealth management strategies. Lachezara works with clients to develop flexible financial approaches tailored to their unique goals, providing access to investment insights from Merrill and the integrated banking and lending solutions of Bank of America. Originally from Bulgaria, Lachezara earned a Bachelor's degree in Finance from the University of National and World Economy in Sofia. She relocated to the United States in 2012 and has been with Bank of America Corporation for over a decade. Her professional credentials include Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), supported by an accredited certificate from the College for Financial Planning. Lachezara's expertise covers areas such as college education planning, family wealth management, retirement income, tax minimization, and portfolio management. Beyond her professional role, Lachezara actively participates in community volunteer work and charity events. She enjoys outdoor activities including biking, camping, hiking, ice skating, swimming, and table tennis. Fluent in both Bulgarian and English, she combines her financial knowledge with a personal philosophy focused on uncovering what matters most to clients to help them confidently pursue their financial objectives.

Ronald Mitcherling Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

George Dircks Jr. is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. 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 incorporates modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers.

Henry Pitts is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and 10 years of industry experience. He has been with both Bank of America, N.A. and Merrill since 2016. Outside of finance, Pitts owns Voycewerx Media, a voice-acting and recording business focused on audio work for commercials. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to individuals, high-net-worth clients, and institutional investors. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, with features tailored to tax sensitivity and client restrictions.

Jacklyn Borkman is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 65 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide array of advisory programs, including tailored financial planning that employs structured discovery and firm-approved planning tools.

Holly Huber is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price and Sheffield Financial. 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, pension plans, corporations, and charitable organizations.