Annette Bratt is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, liquidity management, personal retirement planning, small business strategies, women and wealth, and retirement income. Annette utilizes the investment insights of Merrill and the banking services of Bank of America to address diverse aspects of her clients' financial lives, focusing on developing personalized financial strategies based on clients' individual goals. Annette began her career in wealth management at SunTrust in 2004 and joined Merrill Lynch Wealth Management in 2017. She holds a Bachelor of Science degree in Business Management from the University of Maryland. She has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). A native of the Washington DC region, Annette lives in New Market, Maryland with her husband and two children. Outside of work, she enjoys spending time with family and friends, participating in local 5k and 10k charity runs, and traveling to O’ahu. She and her team are actively involved in community initiatives where they live and work.

Jason Jennings is a financial advisor with LPL Financial in Frederick, MD, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved with Key Financial Group, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Mark Van Bibber is a financial advisor at Thrivent Investment Management with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones, Equitable Advisors, LLC, Valic Financial Advisors, and Agia. Outside of advisory work, he is appointed as an agent to sell non-securities insurance products for AGIA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers goal-based, holistic analyses covering various planning areas and separates planning services from managed-account programs under a consolidated billing option called “WealthPlan.”

George Feys is a financial advisor with Raymond James Financial who holds Series 63 and Series 65 credentials and has 32 years of industry experience. He has been with Raymond James Financial since 2008 and was previously affiliated with Seneca Wealth Strategies, LLC. Outside of his advisory role, he owns and operates a sustainable family farm in Beallsville, MD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and supports institutional consulting across a large advisor network, with unique capabilities including municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting program.

Catherine Cretella is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Joseph Esparolini is a financial advisor at Edward Jones with nine years of industry experience. He holds a Series 66 designation and has worked at Edward Jones since 2017, following a year at Facebook and six years with the U.S. Army's Department of Defense. Outside of financial advising, he is involved with Hunting Hawk Farm, LLC, a horse boarding and apartment rental business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Leo Sloss is a financial advisor at Edward Jones in Frederick, MD, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at Regal Paint Centers and has experience in education through roles at Andree English School and Andres Bello University. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and services, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

William Hendry is a financial advisor with Stifel in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Stifel Nicolaus & Co. since 2011. Outside of his advisory role, he is an owner and manager of a family farm in Derwood, MD. Stifel serves a broad range of clients, including individuals, institutional investors, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing guidance on asset allocation, retirement, insurance, and estate planning.

Courtney Mills Picarelli is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and three years of industry experience. She previously worked at NVR Mortgage Finance, Inc. and the Blue & Gray Bar & Grill. Picarelli serves on the Investment Committee of the Community Foundation of Frederick County. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer that offers a wide range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets.

Teri Houp is a financial advisor at Merrill with 24 years of industry experience and holds a Series 66 designation. She has been with Merrill Lynch since 2009. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary strategies managed by internal and third-party teams for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brianna Ryland is a financial advisor at Edward Jones in Frederick, MD, holding a Series 66 designation with four years of industry experience. She previously worked at Cambridge Investment Research in various capacities from 2019 to 2025. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and proprietary investment products.

Leslie Crabill is a financial advisor with LPL Financial in Charles Town, WV, holding Series 63 and Series 65 licenses and possessing 30 years of industry experience. She has been with LPL Financial since 2011 and is also associated with Bct since 2007. 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, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Jenifer Sutton is a financial advisor at Edward Jones with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Edward Jones since 1994. Outside of her advisory role, she serves as a director for the Lions Club of Frederick and is a county delegate for the United States Tennis Association. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Stacy Allgood Smith is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 65 and Series 63 licenses and three years of industry experience. Her work history includes roles at PFS Investments Inc., Charis Realty Group, and Plastic Surgery One. Outside of finance, she has been involved in entrepreneurial ventures such as MJach Designs and Allgood Therapeutic Massage. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including both non-HNW and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 advisors and approximately $15.5 billion in assets under management, delivering advisory services through model-based strategies overseen by third-party asset managers.

Joshua Best is a financial advisor with J.P. Morgan Securities in Purcellville, VA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior work includes positions at Equitable and NY Life. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and a manager-solutions team to support customized recommendations within an ESG eligibility framework.

Vicki Studt is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 65 and Series 63 licenses and bringing eight years of industry experience. Her work history includes positions at Primerica Financial Services, D4C Dental Brands, and Amedisys. In addition to her advisory role, she is involved in selling loan products, home security, automation, and other home-related services through affiliated companies. Primerica Advisors is a large-scale asset management firm serving primarily individual, corporate, and charitable clients through a wrap-fee program that utilizes model-driven investment strategies managed by third parties, with support from BNY Mellon Advisors and Pershing.

Thomas Evich is a financial advisor based in Frederick, MD with Morgan Stanley, holding Series 63 and Series 65 designations and 32 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized financial planning and estate strategies. The firm’s approach incorporates structured discovery conversations and advanced planning tools, serving clients both directly and through corporate financial planning agreements.

Lauren Storm is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. She has worked at LPL Financial, Sandy Spring Wealth Management, and currently at First United Bank & Trust, assisting clients with estate planning and administration. Outside of advisory work, she owns Frederick Wine House and serves as a Maryland notary. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Jessica Sewell is a Series 66-licensed financial advisor with Morgan Stanley in Frederick, MD, and has 13 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a broad range of advisory programs, managing approximately $2.74 trillion in client assets.

Roseanne Clingerman is a financial advisor at Morgan Stanley with three years of industry experience. She has worked at Morgan Stanley since 2022 and was previously with Sandy Spring Bank for ten years. Clingerman holds the Series 66 designation and is based in Frederick, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning through structured discovery conversations and firm-approved planning tools, managing approximately $2.74 trillion in client assets.