Andrea Kirk is a financial advisor with Ameriprise in Abingdon, MD, holding a CFP® designation and Series 63 and 65 licenses. She has 27 years of industry experience, including over 20 years with Ameriprise and its affiliated entities. Kirk is involved in several outside activities, including co-ownership of multiple business ventures and serving on the Board of Directors for SARC and investment committees for the Community Foundation of Harford County and The Arc Northern Chesapeake Region. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with significant investable assets, providing personalized recommendation reports that integrate tax-efficient withdrawal strategies and social security options. The firm combines research-driven modeling and algorithmic automation to support its advisory services, primarily focusing on assets held in Ameriprise managed accounts.

Jonathan Aguilar Bernstein is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses. He has been with Wells Fargo Clearing since 2025 and has prior experience at Wells Fargo Bank, Rocket Mortgage, and several other organizations. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Daniel Kim is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 65 and Series 66 designations and 21 years of industry experience. His prior work includes roles at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. from 2015 to 2021. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, managing approximately $671 billion in assets with more than 14,000 financial advisors. The firm offers a range of brokerage and advisory solutions, leveraging research and analytics to support diversified investment approaches.

Daniel Anderson is a Series 66-registered advisor at Merrill with 11 years of industry experience. He has been with Bank of America and Merrill since 2009. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jason Powell is the Vice President and Branch Leader at Fidelity Investments, where he oversees support for associates and clients in the Towson territory. He has held this leadership role since 2011, focusing on helping clients achieve their financial goals and supporting his team's development. Mr. Powell's career spans over two decades in the financial services industry, with previous roles at Fidelity Investments including Assistant Branch Office Manager. Prior to joining Fidelity, he held multiple positions at T. Rowe Price, such as Branch Manager, Assistant Branch Manager, Investment Counselor, and Investment Services Representative. His experience encompasses branch management and investment counseling. Outside of his professional responsibilities, Jason Powell enjoys biking, camping, skiing, and participating in family activities. He is also involved in volunteering in his community.

Connor Brandeen is an Investment Consultant at Fidelity Investments, where he focuses on helping clients plan for a broad range of financial goals. He emphasizes building strong, personalized relationships to understand each client's unique story and develops tailored financial strategies and plans aligned with their individual circumstances and retirement aspirations. Connor's professional experience includes roles as an Investment Consultant at Fidelity Investments beginning in 2024, Financial Advisor at UBS Financial Services in 2024, and Internal Retirement Consultant at Allianz Life Financial Services from 2021 to 2023.

Marija Wade is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2015 and 2016, respectively. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lissa Collins is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and 9 years of industry experience. She has been with Merrill since 2013. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Jia Jia Zhu is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 14 years of industry experience. She has been with UBS since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions, model-based asset allocations, and research from its Chief Investment Office and UBS Global Research to tailor financial plans and portfolio management. The firm integrates institutional trading capabilities with wealth management services, offering a broad range of solutions including discretionary portfolio management, fee-based financial planning, and alternative product distribution.

Michael Levin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 66 credentials and 44 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, and institutional clients. The group offers tailored consulting and portfolio services including financial planning, discretionary and non-discretionary management, and a range of investment strategies across traditional and non-traditional asset classes.

Kevin Stone is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at M&T Bank, Comerica Bank, and United Heritage Credit Union. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party databases.

Kyle Mcdonell is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding a Series 66 designation and six years of industry experience. He joined Wells Fargo Advisors in 2024 after roles at Wells Fargo Clearing from 2019 to 2024 and has experience in consulting and media-related positions earlier in his career. He also owns McDonell Capital Group LLC, a financial-related business. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options including retirement, education, risk, and wealth-transfer planning. The firm delivers tailored recommendations supported by proprietary research and planning tools, serving clients who meet certain net-worth thresholds.

Thomas Colantuno is a financial advisor with Edelman Financial Engines in Towson, MD, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Ameriprise Financial Services, UBS Financial Services, and Legg Mason Wood Walker. Edelman Financial Engines delivers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering diversified model portfolios and both discretionary and non-discretionary management across a large client base.

Sean Monaco is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked previously at Raymond James Financial Services, Atlantic Fireproofing, and Genesis Healthcare. Based in Baltimore, MD, he has been with Merrill since 2022. 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, and institutional accounts.

Jenienne Fagan is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 35 years of industry experience. Her prior work includes 15 years at M&T Securities and two years at Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies with substantial operational and research resources.

Matthew Alpert is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes a decade at Wells Fargo Clearing and Wells Fargo Advisors. He is currently based in Towson, MD. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

Christopher Yanson is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked with Edward Jones for seven years and currently serves as the branch owner of Armory Financial, a support company he operates alongside his advisory roles. Yanson is also the owner of Gregmark, LLC. Raymond James Financial Services Advisors, Inc. offers 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 provides tailored, non-discretionary investment consulting using advanced modeling tools and supports clients through its extensive advisor network and affiliated firms.

Levi Bean is a financial advisor with OSAIC, holding a Series 66 credential and seven years of industry experience. Prior to joining OSAIC in 2025, he spent eight years with Lincoln Financial Advisors and six years at Mount St. Mary's University. Outside of his advisory role, he coaches a youth ice hockey team and works as an employee producing sharp edge tester caps. OSAIC serves a diverse range of clients including individual, high-net-worth, institutional, and charitable organizations, offering integrated brokerage, advisory services, and access to multiple investment platforms. The firm employs asset-allocation tools and supports various portfolio management approaches, including discretionary and non-discretionary accounts with client-imposed investment restrictions.

Mark Schulze is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley since 2017, including seven years at Morgan Stanley Private Bank, N.A., and has prior experience at Park Avenue Securities, LLC and Guardian Life Insurance Co. of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Kevin Brandel is a Wealth Management Advisor with Merrill Lynch Wealth Management based in Towson, Maryland. He holds the CERTIFIED FINANCIAL PLANNER® certification and serves as a Senior Portfolio Advisor. Kevin focuses on developing personalized financial strategies tailored to the unique needs of individuals and families, emphasizing listening to clients to understand their goals and priorities. Kevin's expertise spans various client focus areas including executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, portfolio management services, special needs planning strategies, and retirement income. His approach integrates thoughtful financial decision-making to provide clarity and confidence to his clients. He earned a bachelor's degree with a double major in finance and marketing from the University of Kentucky in 2013 and completed the Financial Planning Certificate Program at Bryant University in 2019. Kevin holds additional professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is a member of the Carroll County Chamber of Commerce. Kevin lives in Sykesville, Maryland with his wife, Kristen, and their two sons, Shane and Grant. Outside of work, he enjoys cooking, golfing, and spending time with his family.