Justin Mc Nicholas is a Series 66-licensed financial advisor with eight years of industry experience. He has worked at Merrill and Bank of America, N.A. since 2018. Prior to that, he was involved with Homefix Custom Remodeling and Red Abbey LLC in 2017, and Kipilin Farm from 2013 to 2018. 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 including individuals, high-net-worth clients, and institutional fiduciaries. The firm is integrated with Bank of America’s corporate platform, enabling access to a wide range of financial products and services.

Jeffrey Evans is a financial advisor at Merrill with a Series 66 designation and nine years at the firm. He has seven years of industry experience. Outside of his advisory role, he manages rental properties in Baltimore, dedicating a few hours per month to their oversight. 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.

Kevin Fusco is a financial advisor with Raymond James Financial in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Raymond James Financial Services Advisors since 2012. Outside of his advisory role, he serves as Vice President of Fusco Financial Associates, Inc. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers specialized programs for small businesses and integrates municipal and public finance capabilities through its affiliations.

Jenna Breon is a financial advisor with Equitable Advisors, holding a Series 66 designation and five years of industry experience. Her prior work includes roles at Daston Corp and Shady Spring Pet Retreat, as well as employment at West Virginia University and Martin's Food Market. 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 third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals and risk tolerance.

Kaitlyn Young is a financial advisor at Merrill with nine years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2017. Prior to that, she had a brief tenure at Genworth Financial, Inc. and experience at Randolph-Macon College. 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. The firm serves a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations, with access to a wide array of products through its integration with Bank of America’s corporate platform.

Michael Geppi Jr. is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. His prior work includes roles at KPMG and Washington Gas Light, as well as retail and service positions. Outside of advisory work, he is involved in non-variable insurance sales through an insurance agency in Timonium, MD. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers access to model portfolios, third-party asset management, and a range of financial products, combining advisory programs with insurance sales and lending solutions.

Mary Railey is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following tenure at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market analysis.

Terri Jones is a Series 66-licensed financial advisor at Merrill with nine years of industry experience. She has worked at Merrill since 2016 and also serves as a board member of the Maryland SPCA, participating in its development committee. 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.

Michael Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has worked at LPL Financial since 2018 and previously spent nine years at INVEST Financial Corp. He is also the owner of Livingston Tax Solutions, which provides tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Synquai Johnson is a financial advisor with Merrill holding a Series 66 designation and two years of industry experience. Prior to joining Merrill, Johnson’s work background includes roles at Amazon and the University of Phoenix. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm offers model-based, discretionary, and tax-aware investment strategies integrated within Bank of America’s platform.

David Massey is a financial advisor at Raymond James & Associates with one year of industry experience. He previously worked at T. Rowe Price for five years and was affiliated with the University of Maryland for four years. Outside of finance, he serves as a sports official for adult recreational kickball and soccer games. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm offers wealth advisory planning and institutional consulting services to a diverse client base, including individuals, pension plans, corporations, and government entities.

Robert Ellrich is a CFP® professional with 20 years of industry experience. He currently works at Osaic and previously spent 20 years at Lincoln Financial Advisors Corp. Ellrich is also president of Ellrich Wealth Advisors, LLC and conducts insurance activities related to accident, health, disability, long-term care, and life insurance. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, utilizing a variety of investment vehicles and third-party platforms to construct portfolios managed on discretionary or non-discretionary bases.

Jason D Addario is a financial advisor with LPL Enterprise holding the Series 66 designation and beginning his advisory career in 2025. Prior to joining LPL Enterprise, he worked at Flora Food Group and Sherwin-Williams and has been involved with USSF as a coach in sports and fitness since 2013. Outside of his advisory role, he remains active in coaching sports and fitness activities. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers a range of advisory and brokerage services, leveraging a combination of proprietary research, model portfolios, and third-party management options.

Frank Duncan is a financial advisor with LPL Financial in Timonium, MD, holding the ChFC® designation along with Series 63 and 65 licenses. He has 28 years of industry experience and has been associated with LPL Financial since 2009. Since 2020, he has also operated Maryland Financial Group, Inc., an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Christopher Pellegrino is a CFA® charterholder and registered investment advisor affiliated with LPL Financial in Hunt Valley, MD, with five years of industry experience. Prior to joining LPL Financial in 2022, he worked at Carefirst from 2016 to 2022. In addition to his advisory role, he is the owner of two Amazon sales businesses based in Arnold, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 portfolio management, supported by research and model portfolios from LPL and third-party subadvisors.

Brian Slattery is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Slattery Wealth Management Group. He focuses on retirement planning and offers expertise in areas including college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. Brian graduated from Stony Brook University with a Bachelor's Degree and a Master's Degree in Accounting in 2020. He worked as a part-time Client Associate at Merrill from 2016 while pursuing his education and entered Merrill's Financial Advisor Training program in 2021 before becoming a Financial Advisor. Born and raised in Smithtown, Brian played college lacrosse at SUNY Oswego and continues to play in adult recreational leagues. His personal interests include golfing, music, skiing, and spending time with his family.

Edward Campbell III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and over 20 years of industry experience. His career includes roles at firms such as Commonwealth Financial Network, Legacy Planning Partners, and Securian Financial Services. He is also involved with East Coast Advisory, a business activity outside his primary firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services. The firm employs a range of investment approaches, including proprietary model strategies and access to unaffiliated managers, with customizable discretionary and non-discretionary portfolio management options.

Cheryl Palumbo is a Series 66-licensed financial advisor with Robert W. Baird & Co. in Towson, MD, where she has worked since 2009. She has 24 years of industry experience. Outside of her advisory role, she serves as a board member for Saints Peter and Paul Church Finance Council and is involved as a director and board member in a physician’s office partnership. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet diverse client goals and risk tolerances.

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®-certified financial advisor with 25 years of industry experience. He has worked at Raymond James & Associates since 2020 and previously held roles at Fidelity Personal and Workplace Advisors and Fidelity Investments. In addition to his advisory work, he serves as an executive performance coach at the Team Performance Institute, engaging executives in leadership and team development. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both non-discretionary and discretionary advisory relationships.