Marcus Grubb is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been a Financial Advisor since 2001 and brings extensive experience in helping clients pursue a wide range of financial objectives, including college education planning, family wealth management strategies, liquidity management, retirement planning, philanthropic planning, tax minimization, and portfolio management services. Marcus graduated from the University of Maryland, College Park in 1998 with a degree in Economics. He holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Plan Fiduciary Advisor® (CPFA), Chartered Retirement Planning Counselor™ (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Marcus is also a qualified Portfolio Manager able to build and manage personalized or defined investment strategies on a discretionary basis. A lifelong resident of Harford County, Maryland, Marcus grew up in Havre De Grace and currently lives in Fallston with his wife Kysa and son Noah. He is involved in community activities, including past participation in the local Lion’s Club. In his personal time, Marcus enjoys cooking, fishing, hunting, and spending time with his family.

Kimberly Gould is a financial advisor at Morgan Stanley with 15 years of experience at the firm and four years in the industry. She holds a Series 66 designation. Outside of her advisory work, she is involved with Capitol Debate Inc. and Charter Senior Living LLC, an elder care business. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning supported by firm-approved tools and research.

Taylor Currie is a financial advisor at Merrill with a Series 66 designation and has been in the industry for under one year. Prior to joining Merrill, Taylor held positions at Bank of America, Warby Parker, and Optum (United Health Group). Outside of financial services, Taylor has experience working with Spelman College and the Columbia Association. 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 broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Hopkins is a financial advisor with Morgan Stanley in Baltimore, MD, holding a Series 66 credential and over 25 years of industry experience. He has been with Morgan Stanley since 2009 and with the Morgan Stanley Services Group Inc. since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Sean Carter is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes positions at Bankers Life and roles during his time at the University of Maryland. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Bradley R. Knapp is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Baltimore, MD office. He joined Merrill Lynch in 2001 and has held various roles within the Firm’s Global Wealth and Investment Management Division, including Vice President in the Financial Planning Department at Merrill Lynch Corporate Headquarters and Financial Advisor positions in the Rockefeller Center office in New York City and the San Diego, CA office. Brad's expertise encompasses all aspects of wealth management with a focus on investment selection and planning, retirement income strategies, philanthropic planning, and estate planning strategies. He is a qualified Portfolio Manager who can manage personalized or defined investment strategies on a discretionary basis. His client focus areas include college education planning, family wealth management strategies, retirement planning, philanthropy, portfolio management, small business strategies, tax minimization, and retirement income. Brad holds the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the CERTIFIED INVESTMENT MANAGEMENT ANALYST® (CIMA®) professional designation. He is registered with FINRA Series 7 and 66 securities licenses, holds a State of Maryland insurance license, earned a Bachelor of Science degree in small business with a minor in consumer economics from the University of Vermont, and obtained a Master's degree in financial and tax planning from San Diego State University. Outside of work, Brad lives in Cockeysville, MD with his wife Amber and their four sons. He spends time hiking, skiing, playing golf, coaching youth lacrosse, and serves as a qualified Alpine Patroller with the National Ski Patrol.

Sebastian Buonato III is a financial advisor at Morgan Stanley with 36 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He serves as a board member for the Howard County Youth Hockey Club in Columbia, Maryland. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, emphasizing tailored financial planning and managing approximately $2.74 trillion in client assets.

Mary Mc Carthy Melton is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 licenses and has previous experience at T. Rowe Price and Bank of America. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates investment strategies constructed by its Chief Investment Office with services offered across Bank of America’s broader platform.

Christopher Chilcoat is a financial advisor at Mass Mutual Investors Services with 22 years of industry experience. He holds a Series 66 designation and has worked at firms including Hornor Townsend & Kent Inc and Guardian Life Insurance Company. Outside of his advisory role, he serves as a notary public and works as a title insurance contractor for real estate closings. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm employs firm-approved software to analyze client goals and offers structured, annual planning relationships along with specialized services such as divorce planning and estate-settlement programs.

Matthew Riggin is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 18 years of industry experience. He has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by firm-approved tools and methodologies.

Benjamin Cummins Jr. is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and five years of industry experience. He has worked at Merrill Lynch at Bank of America since 2020 and previously had roles at Accent Vending and Salisbury University. Outside of his advisory work, he serves as Treasurer of Trojanwood Golf Club, a small family-oriented golf club. 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 plans, charitable organizations, and corporate fiduciaries.

Brian Horn is a CFP® with 29 years of industry experience. He currently works at OSAIC and previously spent 29 years with Lincoln Financial Advisors Corporation. In addition to his advisory role, he owns a car wash business and is involved with Heritage Financial Consultants, LLC. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a broad network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and risk-tolerance assessments to develop tailored portfolios.

Edward Feduke is a CFP® professional with five years of industry experience, currently serving with Cetera. His prior work includes roles at Guardian Life Insurance Company, Park Avenue Securities, and multiple mortgage firms. Outside of his advisory duties, he volunteers as a college funding coach. Cetera Investment Advisers LLC is a large SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and financial planning services and allows advisors to implement model portfolios, select third-party managers, or create customized strategies.

Jonathan Giannino is a financial advisor at Merrill with four years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2022, also having experience at Bank of America, N.A. since 2024. Prior to his financial services career, he was involved in various roles across different industries including hospitality and construction. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America’s corporate platform.

Matthew Mc Govern is a financial advisor with Ameriprise in Towson, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as the president of the Wiltondale Improvement Association Board. Ameriprise is an institutional firm that offers retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm provides a range of advisory, brokerage, and insurance solutions, utilizing a centralized retirement-income consulting team and algorithmic tools to generate tailored, tax-efficient recommendations.

Steven Hoffman is a financial advisor with Ameriprise based in Baltimore, MD, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been with Ameriprise and its affiliated entities since 2013. Outside of his advisory work, he has ownership interests in a non-investment-related business called Pair of Queens. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning with written recommendations and ongoing advice, using proprietary research and tools within a defined investment framework.

Helen Haile is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, she worked at Year Up School and owned a business, with earlier experience at Chercher Restaurant and Addis Ababa University. 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.

Brooke Myers is a financial advisor at Morgan Stanley in Lutherville, MD, holding a Series 66 designation with two years of industry experience. Prior to joining Morgan Stanley in 2023, Myers worked at RBC Capital Markets and TD Bank. Morgan Stanley Wealth Management offers a variety of advisory programs to individuals and institutions, including customized financial planning using firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct client relationships and corporate financial planning agreements.

Elizabeth Bafford is a financial advisor with RBC Capital Markets in Towson, MD. She holds a Series 66 designation and has one year of industry experience. Prior to joining RBC Capital Markets and City National Bank in 2026, she spent twelve years at Calvert Impact, Inc. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to each client’s risk profile.

Purvi Patel is a financial advisor at Merrill with a Series 66 designation and approximately two years of industry experience. Prior to joining Merrill in 2024, she worked at Bank of America, N.A., and held roles at First National Bank of PA and the Pillai Coaching Institute. 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 for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.