Terri Jones is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has worked with Merrill since 2016 and is also employed by Bank of America, N.A. since 2017. Outside of her advisory role, she serves as a board member for the Maryland SPCA, contributing to the development committee focused on donor relations. Merrill provides managed account services through its affiliate Managed Account Advisors LLC, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Livingston is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 22 years of industry experience. He has worked at LPL Financial since 2018 and previously at INVEST Financial Corp. for nine years. In addition to his advisory work, Livingston owns a tax preparation and accounting business. 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 advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of investment adviser representatives.

Synquai Johnson is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill, Johnson held positions at Amazon and various other companies, and has been affiliated with the University of Phoenix since 2023. 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 a range of model-based and discretionary investment strategies serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Massey is a financial advisor at Raymond James & Associates with one year of industry experience. He previously worked at T. Rowe Price for five years and attended the University of Maryland. Outside of his advisory role, Massey serves as an independent contractor sports official for adult recreational kickball and soccer games. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and various organizations, providing financial planning, investment consulting, and institutional fiduciary solutions with a range of portfolio management styles and affiliated research resources.

Robert Ellrich is a CFP® with 20 years of industry experience. He is currently with OSAIC and previously spent 20 years at Lincoln Financial Advisors Corp. Outside of his advisory role, Ellrich is president of Ellrich Wealth Advisors, LLC. Osaic Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment process focuses on model-based asset allocation and portfolio optimization, supported by various tools and multiple program options.

Jason D. Addario is a financial advisor with LPL Enterprise holding a Series 66 designation and one year of industry experience. His prior work includes roles at Flora Food Group and Sherwin-Williams. Outside of his advisory work, he has been involved as a coach in sports and fitness with USSF since 2013. LPL Enterprise serves a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm typically employs a model-driven investment approach and offers financial planning, third-party asset management access, and insurance products through its affiliated entities.

Frank Duncan is a financial advisor with LPL Financial in Timonium, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 29 years of industry experience, including prior roles at Morgan Stanley, Citigroup Global Markets, Legg Mason Wood Walker, and T. Rowe Price Advisory Services. Since 2020, he has also operated Maryland Financial Group, Inc., an independent registered investment advisory firm. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and participant-level retirement advice, supported by a large network of investment adviser representatives.

Christopher Pellegrino is a CFA® charterholder and holds Series 65 and Series 63 licenses, with five years of industry experience. He currently serves as an advisor with LPL Financial and Summit Investment Advisors, following prior roles at Carefirst, Sloane McCarron Capital Advisors, and Financial Telesis. Outside of his advisory work, he owns two Amazon sales businesses based in Arnold, Maryland. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of solutions including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with advanced research tools and operational resources.

Edward Campbell III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and encompassing 20 years of industry experience. His prior roles include positions at Commonwealth Financial Network, Legacy Planning Partners, and Securian Financial Services Inc., among others. He is also involved with East Coast Advisory as a registered investment representative. Cambridge Investment Research Advisors serves a diverse client base including individual investors, pension funds, and charitable organizations. The firm offers financial planning, investment management, retirement plan advisory, and wrap-fee programs, operating through thousands of financial professionals and managing a multibillion-dollar asset base with access to multiple platforms and custodians.

Ryan Kenny is a Vice President and Financial Consultant at Fidelity Investments. He has been with Fidelity since 2013, progressing through various roles including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant before assuming his current position in 2021. As a CERTIFIED FINANCIAL PLANNER™, Ryan works closely with his clients to develop personalized and comprehensive financial plans, focusing on the needs of affluent clients. He brings over a decade of experience in financial consulting and utilizes Fidelity's resources to support his clients' unique financial goals. Ryan emphasizes building strong relationships by getting to know his clients and their families personally, aiming to serve as a trusted advisor across generations. Outside of his professional work, Ryan enjoys activities such as spending time at the beach, family activities, fitness, golf, outdoor adventures, and traveling.

Greg Mancina is a financial advisor at Fidelity with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Empower, Wells Fargo, PNC, Merrill, and Valic Financial Advisors. Fidelity, through its Strategic Advisers LLC division, provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm integrates fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves as an advisor to various registered investment companies and fund-of-funds.

Cheryl Palumbo is a Series 66-licensed financial advisor with Robert W. Baird & Co. in Towson, MD, where she has worked since 2009. She has 24 years of industry experience. Outside of her advisory role, she serves as a board member for Saints Peter and Paul Church Finance Council and is involved as a director and board member in a physician’s office partnership. She is part of The DDK Group within Robert W. Baird & Co.’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, and institutional clients. The group offers tailored financial planning and portfolio management services, utilizing a range of investment strategies and overlays to meet diverse client goals and risk tolerances.

Craig Lestner is a Certified Financial Planner® with 27 years of industry experience. He has been with Cambridge Investment Research Advisors since 2007 and previously worked at Morgan Stanley. He also serves as an independent insurance agent and is a committee member of the Associated Jewish Community Federation of Baltimore. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through a large network of Financial Professionals and provides access to multiple platforms, third-party advisers, and proprietary model strategies.

David Johnson is a Series 66-licensed financial advisor with Merrill in Hunt Valley, MD, bringing 25 years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2012. Johnson serves as a committee member for the Maryland Association of CPAs, contributing to financial planning education for CPAs. He also assists Salisbury University Women's Lacrosse with managing team funds. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm integrates investment management with Bank of America affiliates and emphasizes manager selection and tax-efficient strategies.

Norman Townsend III is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2020. He previously worked at Fidelity Personal and Workplace Advisors and Fidelity Investments. Outside of his advisory role, he is an executive performance coach at the Team Performance Institute, focusing on leadership and team development. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services that emphasize tailored, non-discretionary advice supported by in-depth analysis and a broad range of portfolio management styles.

Russell Hewitt Jr. is a financial advisor with MassMutual Investors Services in Hunt Valley, MD, holding a Series 66 credential and 11 years of industry experience. He has been with MassMutual Investors Services since 2015 and is also involved with MassMutual Life Insurance Company. Hewitt has ownership and sales roles at Onorato Financial Group LLC, which focuses on life, health, disability insurance, fixed annuities, and long-term care. MassMutual Investors Services 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, structuring client engagements as collaborative annual relationships using firm-approved analytical tools.

Noah Silva is a financial advisor with Ameriprise, holding a Series 66 designation and beginning his advisory career in 2024. Before joining Ameriprise, he worked at River Church Baltimore and held positions at Johns Hopkins University and local schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice centered on dependable income and tax-aware withdrawal strategies.

Karl Porter is a Senior Vice President, Wealth Management Advisor, and Senior Portfolio Advisor with The Pearce Group at Merrill Lynch Wealth Management. He has been with Merrill since 1998 and previously worked with Morgan Stanley and Dean Witter. Karl holds the Certified Investment Management Analyst® designation earned in conjunction with the Wharton School, University of Pennsylvania, and the Investments & Wealth Institute™. He is also a Retirement Benefits Consultant and a member of a specialized group of Merrill Financial Advisors registered with the Firm's Defined Contribution Investment Consulting (DCIC) platform. Karl is a member of the National Association of Plan Advisors (NAPA) and holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA) designation. His areas of expertise include family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, socially responsible investing, values-based and ESG investing, individual and corporate investment strategy, tax minimization, and retirement income. Prior to his career in financial services, Karl gained extensive experience in the real estate industry. He attended Boston University and received his bachelor's degree from the College of the Atlantic. Additionally, he has worked as a researcher for The Smithsonian Institution. In 2023, Karl was recognized as a member of The Pearce Group on the FORBES "Top 100 Private Wealth Teams in America" list. Outside of his professional work, Karl enjoys boating, fishing, football, reading, scuba diving, spending time with his family, and traveling.

Joshua Mikolowsky is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 26 years of industry experience. His prior experience includes roles at Bank of America and Merrill Lynch. He is based in Hunt Valley, MD. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, and offers financial planning and consulting with a non-discretionary approach supported by various portfolio management styles and affiliated research.

Khloe Adams is a financial advisor at Morgan Stanley with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Morgan Stanley in 2025, she worked at T. Rowe Price for three years and has held roles outside finance, including positions at Under Armour, Stevenson University, and Tiki Lee's Dock Bar. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and customized financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services that include coordinated planning conversations and scenario modeling.