Amanda Nickoles is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2018 and previously spent ten years at Capital One Bank. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program. The firm offers a range of model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and various institutional accounts.

Karen Burkhart is a financial advisor with Ameriprise, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 30 years of industry experience, including prior roles at Janney Montgomery Scott, Wells Fargo Clearing, and USAA financial planning services. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Devon Gluck is a CFP® with nine years of industry experience and is currently affiliated with OSAIC. Prior to joining OSAIC, he worked at Lincoln Financial Advisors for eight years and at Maller Wealth Advisors for one year. He is also the owner and agent of Maller Wealth Advisors, Inc., where he offers a range of insurance products including accident and health insurance, annuities, and life settlement services. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to develop portfolios that include a wide range of investment options.

Ethan Needles is a Series 66 licensed financial advisor at Merrill with one year of industry experience. He has worked at Merrill since 2023 and has prior experience with Bank of America and DEXSTA Federal Credit Union. 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.

Kathryn Kelly is a financial advisor at Raymond James & Associates with two years of industry experience. She previously worked at Verdence Capital Advisors, Camden Property Trust, and Virginia Tech. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting services to a diverse client base, including individuals, institutional clients, and government entities, and is known for its integrated public finance capabilities and extensive affiliate network.

Daniel Anderson is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2009. 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 individuals, high-net-worth clients, pension plans, charities, and corporate fiduciaries. The program includes various investment options implemented by Managed Account Advisors LLC and affiliated managers, supported by Merrill’s Chief Investment Office.

Jason Powell is the Vice President and Branch Leader at Fidelity Investments, where he oversees support for associates and clients in the Towson territory. He has held this leadership role since 2011, focusing on helping clients achieve their financial goals and supporting his team's development. Mr. Powell's career spans over two decades in the financial services industry, with previous roles at Fidelity Investments including Assistant Branch Office Manager. Prior to joining Fidelity, he held multiple positions at T. Rowe Price, such as Branch Manager, Assistant Branch Manager, Investment Counselor, and Investment Services Representative. His experience encompasses branch management and investment counseling. Outside of his professional responsibilities, Jason Powell enjoys biking, camping, skiing, and participating in family activities. He is also involved in volunteering in his community.

D. Clarke Browne is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2013, he has focused his practice on assisting corporate executives, business owners, wealthy families, and retirees, while also providing fiduciary services for corporate retirement plans. Clarke’s approach begins with developing a comprehensive financial strategy grounded in personal balance sheet and cash flow analysis, followed by customized investment strategies that balance potential returns and risk. He emphasizes ongoing client reviews to account for market fluctuations and life changes impacting financial goals. Clarke has worked in the financial services industry since 2008. His expertise includes corporate executive services, investment consulting for defined contribution plans, legacy planning, portfolio management, and retirement income planning. He supports plan sponsors with fee evaluation, investment selection, plan design, and employee education related to corporate retirement plans. Clarke holds several professional certifications: Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). The CPWA® and CIMA® certifications were completed in conjunction with The University of Chicago Booth School of Business and The Wharton School at the University of Pennsylvania, respectively. He earned a bachelor's degree in history from Augsburg College and a Master of Business Administration from Montreat College. Clarke also holds a master's degree from Hazelden Graduate School of Addiction Studies. Outside of his professional work, he enjoys cooking, fishing, golfing, hiking, music, running, and spending time with his family.

Lisa Vetter is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding a Series 66 designation and 23 years of industry experience. She has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, 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 client risk profiles.

Joshua Greenwald is a CFP® professional with 28 years of industry experience, currently serving at Wells Fargo Advisors since 2023. He has held previous roles within Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Outside of his advisory work, he serves as treasurer for the Helmsley Court Neighborhood Improvement Association in Baltimore, 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 including retirement, education, and specialized areas such as business-owner transition and special-needs analysis. The firm integrates advisory services with other financial product offerings and referral channels, delivering tailored recommendations using Wells Fargo’s research and planning tools.

Michael Levin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 66 credentials and 44 years of industry experience. He has been with Robert W. Baird & Co. since 2009. He is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group offers tailored consulting and portfolio services including financial planning, discretionary and non-discretionary management, and a range of investment strategies across traditional and non-traditional asset classes.

Travis Brown is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD. He holds a Series 66 designation and has 24 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2001. In addition to his advisory role, he works as a sales agent in life and health insurance products. MassMutual 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, offering event-driven planning services such as divorce and estate-settlement planning.

William Smith is a financial advisor at Merrill with 25 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Bank of America, Fidelity, Compton Financial Group, and LPL Financial. 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.

Abigail Lohn is a financial advisor with Raymond James Financial, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, she worked in retail and telecommunications sectors, including American Eagle Outfitters and T-Mobile. She is also associated with Fusco Financial Associates in a non-investment role. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and institutional clients, including pension plans, charitable organizations, and government entities. The firm offers tailored, non-discretionary advisory services and administers specialized programs like SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Thomas Colantuno is a financial advisor at Edelman Financial Engines with 15 years of industry experience. He holds the Series 66 designation and has worked previously at Ameriprise Financial Services, Inc. for ten years before joining Financial Engines Advisors L.L.C. in 2023. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large participant base through both advisor-led and online platforms.

Zachary Green is a financial advisor at Merrill with nine years of industry experience and holds Series 63 and Series 66 licenses. He has been with Merrill since 2016. Outside of his advisory role, he works part-time with the Maryland Jockey Club, assisting in coordinating ticket requests and preparations for the Preakness Stakes. 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, and other institutional clients.

Matthew Alpert is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes a decade at Wells Fargo Clearing and Wells Fargo Advisors. He is currently based in Towson, MD. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

Brian Doak is a financial advisor with UBS Financial Services in Hunt Valley, MD. He holds Series 63 and 65 licenses and has 31 years of industry experience, including 18 years at UBS. He serves as a board member for St. Paul's School, his alma mater. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services that include financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Christopher Yanson is a financial advisor with Raymond James Financial in Towson, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He is the owner of Armory Financial, a support company, and also owns Gregmark, LLC. He has been affiliated with Raymond James Financial Services Advisors Inc. since 2014. Raymond James Financial Services Advisors, Inc. serves a wide range of clients including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation, modeling tools, and firm research to tailor recommendations.

Kevin Brandel is a Wealth Management Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in the Towson, MD office. He is a CERTIFIED FINANCIAL PLANNER® practitioner who builds personalized financial strategies tailored to the unique needs of families and individuals. Kevin manages custom investment strategies on a discretionary basis, selecting from a range of Merrill model portfolios and third-party investment strategies. Kevin earned his bachelor's degree in Finance and Marketing from the University of Kentucky in 2013. He completed the Financial Planning Certificate Program at Bryant University and earned the CERTIFIED FINANCIAL PLANNER® certification in 2019. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He resides in Sykesville, MD with his wife Kristen and their two sons, Shane and Grant. Outside of work, Kevin spends time with his family and enjoys golfing. He is a member of the Carroll County Chamber of Commerce.