Adam Grzybowski is the Senior Resident Director of the Hunt Valley Merrill office, serving as a Senior Vice President. He has been with Merrill Lynch Wealth Management since 2005, where he has led and coordinated office efforts while working directly with clients. With more than 25 years of experience in financial services, Adam began his career as a Financial Advisor at a large financial institution. He holds the Accredited Asset Management Specialist™ designation awarded by the College for Financial Planning Institutes Corp and the Personal Investment Advisor (PIA) designation. Adam earned a Bachelor's degree from West Virginia University and a Master's degree in Business Administration from The University of Baltimore. A native of the Baltimore area, Adam is married to Kristy, and they have three daughters. Outside of work, he enjoys boating, fishing, and spending time outdoors.

Benjamin Rogers is a financial advisor at Edward Jones with 27 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Bryan Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he is the sole owner of Quickstar Productions LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Benjamen Pickett is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Point Breeze Federal Credit Union, M&T Bank, and Aberdeen Proving Grounds Federal Credit Union. In addition to his advisory role, he serves as an executor for a family estate. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a range of individual and institutional clients.

Joel Margolis is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured tools and modeling techniques.

Kenneth Cooper is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 49 years of industry experience. His prior roles include long tenures at MetLife Securities, Metropolitan Life Insurance Company, and Mass Mutual Investors Services. He is also a commissioned notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services supported by research-driven model portfolios and third-party subadvisors.

Raymond Patsy is a CFP®-designated financial advisor with 42 years of industry experience, currently affiliated with LPL Financial since 2025. He previously worked at Grove Point Investments, LLC and Grove Point Advisors, LLC for four years and spent 22 years at H. Beck, Inc. He is also involved as a volunteer with the nonprofit D.A.R.&E. in Arlington, VA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Brian Gorman is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, Merrill, and various other positions prior to entering the financial sector. Outside of his advisory work, he serves as a basketball referee for youth games through OneTeam Officiating LLC. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services primarily to fiduciary clients of Bank of America through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Brian Gracie is a financial advisor at OSAIC with 38 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked for Lincoln Financial Advisors Corporation for 37 years. Outside of his advisory role, he is involved as an owner and agent of Heritage Financial Consultants LLC, offering various insurance products including group benefits and annuities. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and provides integrated brokerage and advisory services. The firm uses a variety of asset-allocation tools and offers access to multiple investment platforms and third-party money managers.

John Cahill IV is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He previously worked at PNC Investments for six years before joining Wells Fargo Clearing in 2018. Outside of his advisory role, he serves as a Firefighter II and driver with the Kent Island Volunteer Fire Department. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary when providing investment advice.

Christopher Connolly is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers research-driven, model-based asset allocation tailored to clients’ goals and risk tolerance.

Vladimir Greben is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 66 licenses and having 30 years of industry experience. He previously worked at J P Turner & Company Capital Management, LLC for eight years before joining LPL Financial in 2015. Outside of his advisory role, he manages Greben Asset Management Inc. and Greben Wealth Management, entities used for business and investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management services utilizing both proprietary and third-party models, supported by technology tools but with investment decisions made by advisors.

Daniel Cote is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and 29 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Cetera Advisors LLC, UBS Financial Services, Morgan Stanley, and Merrill. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and various affiliated trust, insurance, and lending services.

Douglas Schamburg Jr. is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Enterprise in 2025, he spent ten years at McCormick & Co. He is involved in community activities as a basketball commissioner and camp coach with the Fallston Recreation Council. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Cheryl Armitage is a financial advisor with RBC Capital Markets, holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. Her prior roles include positions at T. Rowe Price Investment Services and several firms associated with OSAIC and Lincoln Financial. She has been with RBC Capital Markets since 2026. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs and tailors investment strategies based on clients’ risk profiles, utilizing a combination of in-house and third-party investment managers.

Daniel Newell is a financial advisor with Stifel in Hunt Valley, MD, holding Series 63 and Series 65 designations and 47 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2018 and previously spent nine years at RBC Capital Markets Corporation. Newell also serves as a personal representative for a non-family trust. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Matthew Emerson is a CFP® professional currently with LPL Financial, where he has worked since 2024. He has six years of industry experience, with prior roles at Lincoln Financial Advisors, Triad Advisors LLC, American Community Wealth Management, and Vantage Financial Partners. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Stacey Hampton is a financial advisor with Primerica Advisors in Owings Mills, MD, holding Series 63 and Series 65 licenses and eight years of industry experience. Her work history includes roles at Healthcare Access Maryland and PFSI Investment Inc., alongside her ongoing tenure with Primerica Financial Services. Outside of her advisory work, she serves as a clinical supervisor for All Walks of Life in Baltimore. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-driven strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm curates third-party asset managers and delegates trading responsibilities while utilizing a tiered wrap-fee structure.

Kelly Alcala is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and 27 years of industry experience. She has worked with various Morgan Stanley entities since 2006, including Morgan Stanley Smith Barney LLC from 2009 to the present. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers comprehensive financial planning and advisory programs, managing approximately $2.74 trillion in client assets, and utilizes structured planning tools and analysis as part of its financial planning process.

Charles Hurtt is a financial advisor with Ameriprise in Lutherville, MD, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Ameriprise since 2018 and previously spent nine years with Wells Fargo Advisors. Outside of his advisory role, Hurtt is involved in tax preparation through business ownership. Ameriprise is an institutional firm that offers a retirement-income planning service designed for individuals approaching or in retirement with substantial investable assets. The firm uses a combination of research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, with a focus on assets held in Ameriprise Managed Accounts.