Jeremy Greenberg is a financial advisor at Merrill with four years of industry experience and holds a Series 66 designation. His work history includes roles at Bank of America and Merrill since 2019. 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 a range of clients including individuals, high-net-worth clients, and institutional plans.

Gavin Derro is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked for PW Media for twelve years. 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.

Abdirahim Isaq is a financial advisor with Wells Fargo Clearing in Annapolis, MD, holding Series 63 and Series 65 licenses and seven years of industry experience. He has been with Wells Fargo Clearing Services, LLC since 2018 and Wells Fargo Bank NA since 2015. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non‑qualified deferred compensation plans, offering both non‑discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, including a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Anteneh Gebretsadik is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Merrill since 2017, including experience with Bank of America. 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 and profit-sharing plans, corporations, and charitable organizations.

Trinity Grall is a Series 66-credentialed financial advisor with 26 years of industry experience, currently affiliated with LPL Financial in Rockville, MD. Prior to joining LPL in 2025, she worked at firms including GEM Financial Services, Grove Point Investments, Commonwealth Financial Network, and H. Beck, Inc. Outside of her advisory roles, she is employed at Walden Country Club and serves with the Anne Arundel County Board of Elections. 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 other institutions. The firm offers a range of financial planning and investment management options supported by technology and a large network of advisors.

Daniel Sipe is a financial advisor with Raymond James Financial in Rockville, MD, holding Series 63 and Series 66 licenses and having 35 years of industry experience. He has been with Raymond James since 2004 and previously worked at several firms focused on federal employee benefits. Sipe is a partner and managing officer in multiple non-investment-related businesses including GIVE LLC and Serving Those Who Serve, reflecting his involvement in entrepreneurial and support ventures outside of his advisory role. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning using detailed risk profiling and modeling and supports its clients with a broad range of advisory programs and institutional services.

John Gagliardi Sr. is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. His prior roles include positions at LPL Financial and M&T Securities. He also serves as a FINRA arbitrator on a part-time basis. 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, corporations, and institutional clients. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers municipal advisory services alongside its broader institutional capabilities.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Victor Fox is a financial advisor with Morgan Stanley in Rockville, MD, holding a Series 66 license and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley since 2017, and a prior position at the University of Maryland, College Park. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers its services both directly and through Corporate Financial Planning agreements.

Adrian Peralta is a Series 66-licensed financial advisor with seven years of industry experience. He has worked at Equitable Advisors since 2019, following a one-year tenure at Axa Advisors, Llc, and prior roles in protective services and union work. He is based in Columbia, MD. Equitable Advisors serves a diverse client base, including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing both proprietary and third-party advisory models.

Kaveh Montazer is a financial advisor with OSAIC, holding a Series 66 designation and two years of industry experience. His prior work includes roles at StoneBridge Advisors, Inc., Coppermine Fieldhouse LLC, and Illiano's J&P, as well as a period as a full-time student. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporations through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and flexibility in strategy implementation.

Rutin Crisp is a Series 66 licensed financial advisor at Morgan Stanley in Rockville, MD, with six years of industry experience. Prior to joining Morgan Stanley in 2021, Crisp held roles at Wells Fargo Clearing and Wells Fargo Bank, NA. Before entering the financial industry, Crisp worked as a homemaker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutions with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and investment models to support its advisory services.

Ishioma Ikukaiwe Ekanem is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. Prior to joining Wells Fargo in 2022, Ekanem worked at PNC Bank and United Bank for Africa PLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm includes a broad range of financial products in its investment menus, such as insurance-related vehicles and bank deposit sweep options.

Montserrat Flores is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and J.P. Morgan Chase bank since 2021. Her prior experience includes roles at Merrill, Bank of America/Merrill Lynch, St. Jude Children's Research Hospital, and Cargill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with forward-looking market assumptions and includes specialized regulatory registrations reflecting derivatives and commodities capabilities.

Eliza Socito Balubar is a financial advisor at Primerica Advisors with 11 years of industry experience. She holds Series 63 and Series 65 designations and has worked with Primerica since 2014. Prior to her current role, she was employed at the University of Maryland Medical Center from 2006 to 2018. In addition to her advisory work, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of discretionary separately managed account options. The firm uses third-party asset managers and emphasizes a tiered wrap fee structure rather than fixed fees.

Aaron Polun is a financial advisor at LPL Financial with 20 years of industry experience. He holds the Series 66 designation and previously worked at Grove Point Advisors LLC and Grove Point Investments LLC, as well as Equitable Advisors. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a broad network of investment adviser representatives.

Scott Katzenbarger is a financial advisor with LPL Financial in Gaithersburg, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. Prior to joining LPL Financial in 2023, he worked at Ameriprise Financial Services, Inc. for 14 years and Ameriprise Advisor Services, Inc. for 6 years, among other roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Daniel Ronis is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with LPL Financial and has previously worked at Janney Montgomery Scott, Chapin Davis, Bank of America, and Merrill. His other business activities include insurance sales in Maryland. 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 a range of financial planning and investment management services, including model portfolios and third-party asset management, supported by a broad platform combining advisory and non-advisory financial activities.

Dylan Branson is a Financial Advisor with Merrill Lynch Wealth Management. He collaborates with individuals and families to provide personalized financial planning, investment management, and tax mitigation strategies. Dylan focuses on areas such as equity compensation services, managing new wealth, tax minimization, and retirement income. He holds a Bachelor's Degree in Economics from the University of Maryland, College Park, and an Associate's Degree from Montgomery College. Dylan has earned the Personal Investment Advisor (PIA) designation. Raised in Montgomery County, Maryland, he works closely with clients before and through retirement to address their financial needs and goals. Outside of his professional work, Dylan engages in adventure sports, chess, and skiing.

Michael Brezovec is a financial advisor with LPL Financial in Gaithersburg, MD, holding Series 63 and Series 65 licenses and 32 years of industry experience. Before joining LPL Financial in 2023, he spent 16 years with Ameriprise Financial Services and Ameriprise Advisor Services. Outside of his advisory work, he is a firearms instructor and holds a deer management permit at Phillips Farm. 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 using various portfolio management strategies and supports its advisors with advanced operational and research tools.