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.

Timothy Ford is a CFP® and holds a Series 66 license with two years of industry experience. He is currently with RBC Capital Markets and has prior experience at City National Bank, Bank of America, Merrill, and several other firms. He serves as an investment committee member at Ladew Topiary Gardens, Inc. and on the finance committee for Pathfinders for Autism. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management and integrates multiple investment managers and strategies tailored to clients’ risk profiles.

Margo Bryant is a financial advisor at Fidelity with 29 years of industry experience. She holds Series 66 and Series 63 designations and has worked within various Fidelity divisions since 2016, including Fidelity Brokerage Services LLC and FIDELITY Personal and Workplace Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, advisory roles to multiple registered investment companies, and integration of AI and algorithmic tools in its investment process.

Grant Dircks is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for six years. 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 notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Hailey Timeus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill in 2022, she held positions at the Arizona Department of Corrections and several other organizations. 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.

Alec Mouring is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Securities, Fidelity Investments, Fidelity Brokerage Services LLC, and AXA Advisors LLC. Outside of advisory work, he is a licensed insurance agent offering fixed annuities and traditional life insurance, and he also provides notary services. OSAIC serves a diverse client base including retail and institutional investors and offers integrated brokerage and advisory services. The firm utilizes a range of investment tools and platforms to construct portfolios across various asset classes, providing both discretionary and non-discretionary management options.

Darryl Stalter is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Merrill since 2019 and previously was employed at Verizon Wireless from 2014 to 2019. 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. The firm is integrated into Bank of America’s broader platform, providing access to a wide set of products and services.

Nicole Wilson is a financial advisor with LPL Financial, holding a Series 66 credential and five years of industry experience. She has worked at firms including Cambridge Investment Research Advisors and Janney Montgomery Scott. Outside of her advisory role, she is involved in tax preparation and accounting services through a separate business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Russell Priddy III is a financial advisor with Ameriprise in Shrewsbury, PA, holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Wells Fargo Clearing and PNC Investments. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, delivering detailed, non-discretionary recommendations that incorporate research, modeling, and tax-efficiency analysis. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Steven Grenagle Jr. is a Series 66 licensed financial advisor with Merrill, based in Hunt Valley, MD, and has eight years of industry experience. He has worked at Bank of America and Merrill since 2014. 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.

Julia Zimmermann is a financial advisor with Ameriprise in Baltimore, MD, holding Series 63 and Series 66 credentials and 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2015. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a large institutional platform that includes advisory, brokerage, and insurance solutions.

Melissa Harbold is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been a financial advisor since 2004, the year she graduated Cum Laude with a Bachelor of Business Administration from Loyola College in Maryland. Melissa holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Melissa is actively involved in her community, serving as the current chair of the Port Deposit Historic Area Commission and as a past president of the Chesapeake Professional Women's Network, where she remains a member. She also participates in the St. Margaret School Home and School Association. Melissa is married to Brad, her high school sweetheart, and they have two children. Her personal interests include baseball, boating, cooking, music, reading, spending time with family, and traveling.

Amy Sommers is a financial advisor at Raymond James Financial with five years of industry experience. She holds a Series 66 designation and previously worked at Marshall Financial Group, Purshe Kaplan Sterling Investments, Merrill, and has professional experience with the U.S. Attorney's Office in Maryland and the Maryland Department of Health. Outside of her advisory role, she is an associate at ClearPlan Wealth Management, supporting financial advisors and office operations. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, charitable organizations, and government entities. The firm offers tailored, non-discretionary advisory solutions and has notable involvement in municipal and public finance through its affiliated networks.

Adam Freeland is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 20 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory work, he serves as president and independent insurance agent at Harford Financial Group. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a wide range of clients, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals, providing tailored investment solutions across various custody platforms and discretionary options.

Brandon Cawley is a CFA® charterholder affiliated with OSAIC in Hunt Valley, MD, with three years of industry experience. His prior roles include positions at Lincoln Financial Advisors, Campbell Wealth Management, and New Century Advisors. OSAIC serves a diverse client base of retail and institutional investors through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party solutions to construct portfolios across various investment types.

Michael Ferris is a financial advisor with LPL Financial in Hunt Valley, MD, holding the ChFC® designation and Series 63 and 65 licenses. He has 10 years of industry experience, previously working with Mass Mutual Investors Services and Northwestern Mutual Wealth Management. Outside of his advisory role, he is involved with a family-owned farming business in Kennedyville, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from internal and third-party sources.

William Summers is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. He has five years of experience at MassMutual Life Insurance Company and Mass Mutual Investors Services, with prior roles at Nexus Systems, Wells Fargo Clearing, and Robert Half Employment Agency. Outside of his advisory work, he is also licensed as an insurance broker, selling life, disability, long-term care, fixed annuities, and health insurance. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers structured, collaborative financial planning engagements supported by firm-approved software tools and also conducts educational seminars.

Eric Shadoff is a financial advisor at RBC Capital Markets with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2012 and City National Bank since 2017. Outside of his advisory role, he is an active owner involved in the maintenance of a rental property. RBC Wealth Management, a division of RBC Capital Markets, serves a broad client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with customized investment strategies implemented through a combination of in-house and third-party managers.

Brian Davies is a financial advisor at Wells Fargo Advisors with seven years of industry experience. He holds a Series 66 designation and has previously worked at Raymond James & Associates and Founders Financial. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses proprietary research and tools to develop tailored client recommendations.

Cristina Kothari is a financial advisor at OSAIC with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at LaSalle Investment Management Securities, LLC and Lincoln Financial Advisors, Inc. She is also an Associate Director at Maller Wealth Advisors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party solutions to construct portfolios across various asset classes.