Kyle Tosh is a CFP® professional with 10 years of industry experience, currently affiliated with LPL Enterprise. His prior experience includes roles at Merrill, Bank of America, and The Prudential Insurance Company of America. Tosh serves as a board member of the Rising Sun Chamber of Commerce, contributing to community activities and event planning. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, consulting, model portfolios, third-party asset management, and brokerage and insurance product access via an integrated platform combining adviser programs with product sales.

Zachary Mccaskill is a financial advisor with UBS Financial Services, holding a Series 66 designation and seven years of industry experience. He previously worked at Morgan Stanley from 2015 to 2022 before joining UBS in 2022. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans and portfolio management. The firm combines institutional trading capabilities with wealth management services, including capital markets operations and affiliated banking programs.

Silvia Tergas is a financial advisor with LPL Enterprise, holding a Series 66 designation and 15 years of industry experience. She has worked at Prudential Insurance Company of America and Pruco Securities, LLC prior to joining LPL Enterprise. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management programs. The firm combines advisory services with brokerage and insurance products through an integrated platform.

Aaron Schmerling is a financial advisor with LPL Enterprise based in Cockeysville, MD. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to joining LPL Enterprise in 2024, he worked at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved with Steerpath Wealth, an investment-related business associated with LPL. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients. The firm offers financial planning, advisory, and brokerage services through an integrated platform that combines adviser programs with a range of financial products.

Regis Breen is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors and Heritage Consultants. Outside of his advisory role, Breen serves as Vice President of Business Development at Brad Schwartz Wealth Management LLC and occasionally speaks to graduating students at Towson University about entering the workforce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. The firm’s approach combines proprietary research and algorithmic tools to deliver tailored, tax-aware retirement advice within a defined investment framework.

Jeffrey Wasserman is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley and its affiliated entities since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and market modeling techniques.

Winnie Gebreyesus is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 license and 20 years of industry experience. She has been with Morgan Stanley since 2012. Outside of her advisory role, she is the sole proprietor of an online retail business in Baltimore, Maryland. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning approach involves structured discovery and firm-approved tools, serving clients through both direct and corporate agreements.

David Vogelsang is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His work history includes roles at Starry Associates, PFS Investments Inc., and Primerica Financial Services. Outside of advisory services, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management via its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Benjamin Hoffman is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise since 2009, including six years at Ameriprise Financial Services, LLC. Outside of his advisory role, Hoffman holds a 10% ownership in a sports memorabilia business. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Darius Lynch is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and one year of industry experience. He previously worked at T. Rowe Price and Morgan Stanley. Outside of finance, he works as a bartender at Outback Steakhouse. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Kelbaugh is a CFP® with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sarah Rosenthal is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. She draws on her experience as a former small business owner and her professional background to assist clients in managing their financial futures with practical and tailored guidance. Sarah specializes in serving women, business owners, Gen X and Millennial families, and families with special needs loved ones, providing strategies aligned with their values and goals. A CERTIFIED FINANCIAL PLANNER4 professional and Chartered Special Needs Consultant4 designee, Sarah helps clients navigate complex financial decisions including family wealth management, retirement planning, socially responsible investing, small business strategies, and special needs planning. She is a Personal Investment Advisor and emphasizes collaboration and clear communication to build lasting financial security and generational wealth. Sarah holds degrees from Towson University and Goucher College. She is involved in the Baltimore Estate Planning Council and participates in community organizations such as the Girl Scouts of Central Maryland, Itineris Baltimore, Cavalier Rescue USA, and the Red Cross of Central Maryland. Her personal interests include hiking, knitting and crocheting, reading, spending time with family, and watching movies.

Shari Winkelman is a financial advisor at UBS Financial Services with 34 years of industry experience. She holds Series 63, Series 65, and Series 66 designations and has been with UBS since 2014. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary capital market assumptions and research to tailor plans aligned with clients’ goals and risk tolerances.

Jason Koval is a CFP® and holds a Series 65 license with one year of industry experience. He is currently with LPL Financial and has held prior roles at firms including Thompson Wealth Solutions, Elite Income Advisors, Red Oak Financial Group, Baltimore-Washington Financial Advisors, and Ameriprise Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, with access to model portfolios, third-party research, and various management strategies.

Andrew Heird is a Financial Advisor with Merrill Lynch Wealth Management, specializing in wealth planning, liquidity management, managing new wealth, and personal retirement planning. Since entering the financial services industry in 2017, Andrew has dedicated his work to connecting all aspects of clients' financial lives to help prioritize and pursue their most important goals. Andrew holds a bachelor's degree in Business, Organizations, and Society from Franklin and Marshall College, class of 2016. He has earned the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor™ certification from the College for Financial Planning. His professional designations also include Personal Investment Advisor (PIA). Based in York, Pennsylvania, Andrew lives with his wife, son, and dog. Outside of his professional role, he enjoys boating, fishing, football, golfing, hiking, hunting, scuba diving, and skiing.

Christopher Yingling is a financial advisor with RBC Capital Markets in Westminster, MD, holding Series 63, Series 65, and Series 66 licenses and bringing 32 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2019. Yingling serves on the Carroll Community College Planned Giving Committee, advising on fundraising strategies. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management strategies that incorporate in-house and third-party investment managers and tax-management options.

James Rong is a financial advisor with Merrill, holding a Series 66 designation and one year of industry experience. Prior to Merrill, he held positions at William Blair, Maximus, Walmart, and Giant Food. He has also been involved in education at both high school and university levels. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Heather Sommerfield is a financial advisor at Ameriprise with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise since 2009, including six years with Ameriprise Financial Services, LLC. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Ameriprise Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on reliable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Tyler Marner is a financial advisor at Merrill with Series 66 and Series 63 credentials and less than one year of industry experience. His prior work includes roles at Bank of America, JPMorgan Chase Bank, T. Rowe Price, FedEx, and other organizations. Outside of finance, he has been involved with Anarchy Gym since 2020. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jennifer Astasauskas Glatz is a financial advisor with Morgan Stanley Wealth Management, holding Series 66 and Series 63 licenses and bringing five years of industry experience. She previously worked at Merrill for 22 years and Bank of America Investment Services, Inc. for 25 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.