Asonganyi Tintinu is a financial advisor at Merrill with a Series 66 designation and less than one year of industry experience. Prior to joining Merrill, Tintinu held positions at DoorDash, Year Up United, Home Depot, United Parcel INC, and ICT University. Merrill provides managed account services to Bank of America fiduciary clients through its 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.

Bernard Muth is a CFP® professional with 19 years of industry experience. He is currently with OSAIC and has previously worked at Lincoln Financial Advisors for 19 years. Bernard is also an owner and agent at Gernon Muth & Associates, where he offers employee benefits and various insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated financial advisers, providing integrated brokerage, investment advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools and portfolio management strategies across diverse investment vehicles to serve individual, high-net-worth, and institutional investors.

Adam Smith is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America and Atlas Container Corporation. 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.

Ian Smith is a financial advisor with LPL Financial in Hunt Valley, MD, holding Series 65 and Series 63 licenses and bringing 26 years of industry experience. His career includes 17 years at T. Rowe Price followed by roles at GLG, MassMutual, and currently LPL Financial. Ian is also engaged in non-variable insurance activities. 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 representatives. The firm offers comprehensive financial planning and advisory programs, combining discretionary and non-discretionary management with access to research, model portfolios, and various institutional services.

Frederick Ehrsam is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James since 2014. Outside of his advisory role, Ehrsam is a partner in Calluna Vineyards, a family investment, and operates a support company, Ehrsam Wealth Strategies LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations supported by extensive research and a broad affiliate network.

Jonathan Pearlstein is a financial advisor with Ameriprise, holding a Series 66 credential and 25 years of industry experience. He has been with Ameriprise Financial Service, LLC since 2000 and previously worked at Ameriprise Financial Services, Inc. for 15 years. He serves on the board of directors for Gateway in Baltimore, Maryland. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide personalized, non-discretionary recommendations delivered through a centralized consulting team.

Andrew Tamburin is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and Ochsner Health Plan, as well as academic positions at Tulane University and involvement with the Boys and Girls Club of the Wiregrass. 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.

Jeffrey Bessling is a financial advisor at Wells Fargo Advisors with 16 years of industry experience. He holds the Series 66 designation and has worked in various capacities within Wells Fargo entities since 2008. Outside of his advisory role, he serves as president of the Monkton Farms HOA, where he helps maintain common areas and organize community gatherings. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser offering investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Jeffrey Cohen is a CFP® professional with 19 years of industry experience, currently serving at 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 the personal representative for his father's estate in Plantation, Florida. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Milton White IV is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and Fulton Bank. Outside of his advisory work, he is involved with Martin Wight and Company, where he offers life, disability, long-term care insurance, and fixed annuities. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides financial planning, asset management, and educational seminars with an emphasis on collaborative, goal-oriented planning using advanced analytical tools.

Maura Stump is a financial advisor with Robert Baird & Co., holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Baird, she held various roles in education and retail sectors, including positions with Kelly Education and Walgreens. The DDK Group at Robert W. Baird & Co. serves individuals, corporate clients, pension plans, and charitable organizations, offering financial planning, discretionary and non-discretionary portfolio management, and a range of separately managed account programs. Baird employs a combination of manager-traded and model-traded strategies supported by internal research and ongoing manager oversight.

Kenneth Millan Sr. is a financial advisor with Merrill, holding a Series 66 designation and five years of industry experience. He has worked at Merrill and Bank of America since 2021 and previously held roles at W&S Brokerage Services and Western & Southern Life. Before his financial career, he worked at Seasons Pizza and attended Towson 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, and institutional fiduciaries.

Jason Lowy is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he serves on the Associate Council of Junior Achievement of Central Maryland, assisting with educational events focused on financial literacy for youths. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm offers a broad range of services including wealth management, institutional trading, and securities-backed lending programs.

Clifford Rowland II is a CFP® designated financial advisor with 39 years of industry experience, currently affiliated with Cetera. He has held roles at Avantax Advisory Services and Avantax Investment Services, Inc. for over three decades and operates his own CPA and bookkeeping practice. He is also an independent insurance agent. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a multi-manager platform with diverse investment program options and manages over $256 billion in assets.

Penny Huff is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Lydia Ruppenthal is a Series 66-licensed financial advisor with four years of industry experience. She is currently with LPL Financial and previously worked at Raymond James & Associates, INC, among other firms. Outside of her advisory role, she is involved with social media activities for Amazon.com, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutional entities. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party research, and advanced technologies such as machine learning.

Matthew Smith is a financial advisor with Raymond James Financial, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Clifton Larson Allen and various business and service positions. He is also involved as a financial advisor with Fusco Financial, a support company based in Towson, MD. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and manages a notable linkage to municipal and public finance activities.

Carly Hughes is a Financial Consultant currently working at Fidelity Investments. She has been with Fidelity since 2020, initially serving as an Investment Consultant before transitioning to her current role in 2023. Prior to joining Fidelity, Carly worked as a Financial Consultant at T. Rowe Price from 2008 to 2018. Throughout her career, Carly has focused on developing personalized financial strategies tailored to her clients' unique needs, values, and objectives. She collaborates with clients to co-create customized financial plans that address both their short-term priorities and long-term financial goals, aiming to provide confidence and clarity in their financial decisions.

Jacob Krieger is a financial advisor with LPL Enterprise and holds Series 63 and Series 66 registrations. He has two years of industry experience, including prior roles at Northwestern Mutual Wealth Management Company and related entities. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services through an integrated platform that combines investment advice, financial planning, and access to various financial products.

Carl Osterman is a financial advisor at Merrill with 24 years of industry experience. He holds a Series 66 designation and has been affiliated with Merrill Lynch Pierce Fenner & Smith since 2002 and Bank of America since 2009. Outside of his advisory role, he serves as a committee member on the investment committee of Broadmead, Inc., a nonprofit organization. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries.