Josie Scramlin is a financial advisor at Stifel with a Series 66 designation and one year of industry experience. Prior to joining Stifel, she held various roles including positions at Tri-State Bird Rescue and Data Networks. Stifel serves a wide range of clients, including individuals, institutional entities, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling to guide asset allocation and financial planning.

James Mugele is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 27 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, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of investment strategies.

Keith Silverstein is a Senior Financial Advisor at Merrill Lynch Wealth Management with over three decades of experience in financial advising and retirement planning. Since beginning his career in 1987 and joining Merrill in 2005, Keith has worked with self-motivated entrepreneurs, professionals, and affluent individuals and their families to develop strategic financial plans designed to withstand various market conditions. Keith holds a Bachelor's degree from the University of Maryland and a Master's degree in finance from the University of Baltimore. He has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His expertise includes retirement planning, executive compensation, family wealth management strategies, and retirement income. Keith emphasizes understanding clients' needs, goals, and risk tolerance, utilizing sophisticated Merrill tools to tailor customized investment strategies. In addition to his professional work, Keith is active in community organizations including The Associated and The Nikki Perlow Foundation. He resides in Owings Mills, MD, with his wife and enjoys personal interests such as basketball, golfing, music, skiing, tennis, traveling, and spending time with his family.

Derek Dimanno is a financial advisor with LPL Financial in Towson, MD, holding the CFP® designation and Series 63 and 65 licenses. He has 22 years of industry experience, including prior roles at Robert Stastny Agency and Nationwide Securities. Dimanno is also involved with DRD Inc., a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by model portfolios and research from various sources.

Daniel Lacey is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping clients manage their financial goals through personalized strategies. He focuses on areas such as family wealth management, personal retirement planning, philanthropic planning, and tax minimization. Daniel works closely with clients to define their objectives and develop portfolio strategies tailored to their needs, providing ongoing advice and adjustments as circumstances evolve. Daniel entered the financial services industry in 2021 and became fully licensed in 2022. He holds a bachelor's degree from Towson University and maintains professional designations including CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). He combines technical knowledge with a communicative approach to assist clients in making informed decisions. Outside of his professional responsibilities, Daniel lives in the Canton neighborhood of Baltimore City with his wife and their rescue dog. He enjoys cooking, music, spending time with family, and watching movies. Additionally, he supports local organizations in his community.

Matthew Bleach is a financial advisor at Merrill with 25 years of industry experience. He holds a Series 66 designation and has been associated with Merrill since 2004, as well as Bank of America since 2011. 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad set of financial products and services beyond typical investment management.

Laura Strott is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2003 and at Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by centralized operational and supervisory structures.

Nicholas Sebastian is a Wealth Management Advisor with Merrill Lynch Wealth Management. He provides comprehensive, goal-based wealth management strategies to individuals, families, business owners, and executives. His expertise includes investment management, retirement planning, estate and legacy planning coordination, tax-aware strategies, and retirement plan consulting. With two decades of experience, Nicholas holds the Certified Financial Planner™ (CFP®), Certified 401(k) Professional® (C(k)P®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC) designations. He earned a Bachelor's Degree from the University of Maryland College Park. His approach emphasizes a holistic view of clients’ financial situations, aligning strategies with personal priorities and life stages, and maintaining a disciplined, long-term perspective. Outside his professional role, Nicholas is involved in community activities such as coaching youth sports. He enjoys spending time with his family, traveling, and engaging in various recreational activities including baseball, boating, cooking, fishing, football, golfing, reading, and watching movies.

Jeffry Ambrose is a financial advisor with Equitable Advisors in Freeland, MD, holding a Series 66 designation and 17 years of industry experience. He has worked with Equitable Advisors since 2008, including its predecessor AXA Advisors LLC. In addition to his advisory role, he serves as an administrator or executor of estates and trustee of trusts for family and non-family members. 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 employs a hybrid referral and implementation model, offering both advisory and brokerage channels to implement client recommendations.

Gibbs Preston is a financial advisor at Wells Fargo Clearing with a Series 66 designation and four years of industry experience. He previously worked at Facet Wealth and was involved in commercial real estate development through Preston Realty, LLC for nine years. Preston holds equity in several commercial properties but does not actively manage them. Wells Fargo Advisors is a national securities firm that offers investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines brokerage and advisory solutions supported by research and analytics, serving over 14,000 financial advisors and managing roughly $671 billion in assets.

Yale Hoffberg is a CFP® professional with nine years of industry experience, currently affiliated with RBC Capital Markets and City National Bank. His prior experience includes a role at Exponential Interactive, Inc. Yale is active in community and nonprofit organizations, serving on the Alumni Board of Governors for Gilman School, participating in LifeBridge Health’s Leadership Society, and sitting on the Board of Directors for Levindale Hebrew Geriatric Center and Hospital. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning services through multiple advisory programs.

Kathryn Thompson is a financial advisor at Robert Baird & Co. with seven years of industry experience. She holds a Series 66 designation and has been with Baird since 2017. Prior to her career in finance, she worked at Sony Pictures Television for four years. Outside of her advisory role, she assists with her family’s land development and home building business, Thompson Atlantic LLC. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, and charitable organizations. The group offers tailored financial planning and portfolio management services, utilizing a mix of in-house and third-party managers across a range of investment strategies.

Melanie Shanty is a financial advisor at OSAIC with 35 years of industry experience. She previously worked at Lincoln Financial Advisors Corporation for 35 years before joining OSAIC in 2025. Outside of her advisory role, she is involved in a consultation organization providing services to families with disabled members. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated financial services and employs various investment strategies and third-party platforms to manage client portfolios.

Jennifer Yapsuga is a financial advisor at Mass Mutual Investors Services with a Series 65 designation and less than one year of industry experience. Her prior work includes roles at Morgan Stanley and a seven-year tenure at Garrison Forest School. She has also worked at Camp Skylemar for three years. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, delivering collaborative, annual planning engagements using firm-approved analytical tools.

Jeffrey Brown is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 licenses and 12 years of industry experience. He has worked at Merrill since 2017 and previously spent five years at T. Rowe Price. In 2017, he had a brief role with GT Pizza. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies for a diverse client base, including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm is integrated with Bank of America’s broader corporate platform, providing access to a wide range of financial products and services.

Nancy Short is a financial advisor with Robert Baird & Co. in Sparrows Point, MD, holding Series 63 and Series 66 designations and bringing 39 years of industry experience. She has been with Robert Baird & Co. since 2009. The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice, serves individuals, families, pensions, corporations, charitable organizations, and institutional clients with a range of consulting and portfolio services tailored to client goals and risk tolerances. The firm offers both traditional and complex investment strategies, including discretionary management and overlay services, alongside municipal advisory and public finance capabilities.

Blaise Ahearn is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and bringing 11 years of industry experience. He has been with UBS since 2014. Outside of his advisory role, he serves on the board of directors for the Hampden Community Council. UBS Financial Services serves individual, corporate, and institutional clients through a broad array of brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering clients tailored financial planning and portfolio management supported by proprietary research and model-based asset allocations.

Edward Myers is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2009. He is the owner of Kairos Wealth Advisors, LLC, a business established to hold the lease and leasehold improvements of his Raymond James office. 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 advisors. The firm provides wealth advisory planning and investment consulting to individuals, institutional clients, and government entities, offering a range of wrap fee programs and institutional consulting services.

Kristen Treglia is a financial advisor with Charles Schwab, holding Series 63 and Series 66 credentials and seven years of industry experience. She has worked at several notable firms including Fidelity Investments and Morgan Stanley. Outside of finance, she is involved in golf instruction through her ownership of Kateyes LLC and as a golf instructor for the Columbia Association. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational capabilities.

Andrew Shaffer is a CFP® professional with nine years of industry experience, currently an advisor at OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and Heritage Financial Consultants, LLC for one year. His other business activities have included soliciting clients for investment and annuity products at Heritage Financial Consultants. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.