Patrick Dougher is a financial advisor with Merrill, holding a Series 66 designation and ten years of industry experience. He has been with Merrill and its affiliated Bank of America since 2016. 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.

Lauren Kaufman is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and 15 years of industry experience. Her career includes roles at Morgan Stanley and RBC Capital Markets before joining Merrill and Bank of America in 2016. Outside of financial advising, she works as a courier for DoorDash on a part-time basis. 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 investors.

Jeremy Kober is a Wealth Management Advisor with Merrill Lynch Wealth Management and a partner with The Pearce Group. In his role, he focuses on investment planning and serves as a Retirement Benefits Consultant. Jeremy coordinates clients' personal financial planning with their other professional advisers and employs analytical tools such as cash flow analysis, net worth analysis, and customized investment planning to help clients understand the impact of their financial decisions on their future. Jeremy has been in the investment industry since 2001 and has been with Merrill Lynch since 2010. He holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. Additionally, he has earned the Certified 401(k) Professional (C(k)P®) designation from The Retirement Advisor University in collaboration with UCLA Anderson School of Management Executive Education, the Certified Divorce Financial Analyst® (CDFA®) designation from the Institute of Divorce Financial Analysts, and is a Certified Plan Fiduciary Advisor® (CPFA®). Jeremy holds a bachelor's degree from McDaniel College. His client focus areas include college education planning, corporate executive services, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, and retirement income. Outside of his professional work, Jeremy is involved with Forest Hill Lacrosse and Jarrettsville Lacrosse and enjoys camping, cooking, fishing, football, gardening, reading, running, spending time with his family, traveling, and watching movies.

Brian Heidelbach is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 23 years of industry experience. He previously worked for Deutsche Bank Securities Inc. for 25 years and had brief tenures at Db Usa Core Corporation and a period of unemployment before joining Baird in 2021. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The team offers tailored financial planning and portfolio management services, utilizing both in-house and third-party managers across a range of traditional and non-traditional investment strategies.

Ryan Woolery is a financial advisor at Merrill with Series 63 and Series 66 licenses and 10 years of industry experience. He has worked with Merrill since 2016. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Andrew Trueschler is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Dawn James CPA, and Harford Retirement Planners. 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 strategies for individuals, high-net-worth clients, and various institutional investors.

Kevin Bell is a CFP® with 43 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His career includes roles at Morgan Stanley Private Bank, N.A. and UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process relies on structured discovery and firm-approved tools, providing tailored plans without individual security recommendations in standalone planning.

Rebecca Simmons is Vice President, Wealth Planner at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2011, progressing through positions including Financial Representative, Relationship Manager, Investment Consultant, and Financial Consultant. In her current role, Rebecca helps clients and their families navigate financial decisions and life transitions by developing step-by-step plans tailored to their goals. She initiates client relationships with goals and education sessions, followed by customized strategy sessions and semi-annual reviews to maintain and refine those plans. Rebecca holds a California Insurance License.

Peter Oneill is a financial advisor at Charles Schwab with 30 years of industry experience. He holds a Series 63 designation and previously worked at Fiduciam Wealth Planning LLC from 2017 to 2022. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory wrap fee programs and managed-account services. The firm provides both non-discretionary and discretionary investment guidance through multi-asset model portfolios and integrates advisory, brokerage, custody, and cash-sweep services within its platform.

Jacqueline Snyder is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2019, she worked for Baltimore City Public Schools for three years. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a planning process that includes firm-approved tools and scenario modeling.

Eric Brann is a CFP® professional with over 31 years of experience, currently serving at Morgan Stanley in Hunt Valley, MD. He has been with Morgan Stanley Smith Barney since 2010 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a broad range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets.

Jason Costner is a CFP® with 23 years of industry experience, currently serving at Cetera since 2025. He previously worked at Avantax Investment Services and 1st Global Advisors, with six-year tenures at each firm. He also maintains an investment advisory role with WABC Wealth Management Services. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual and institutional clients, offering diverse investment platforms and access to both affiliated and third-party managers.

Charles Chelf IV is a CFP® with 27 years of experience in the financial services industry. He is currently with Cetera and serves as president of Chelf Asset Management. His prior experience includes roles at IC Advisory Services Inc, The Investment Center Inc, LPL Financial, and National Planning Corporation. Outside his advisory work, he is also involved in the sale of fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving a diverse client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, leveraging both affiliated and third-party managers across multiple program structures.

Ruth Sliviak is a financial advisor at LPL Financial with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory work, she volunteers with a citizen group and serves as a Eucharistic Minister and committee member at St. Jane Frances de Chantal Catholic Church in Pasadena, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party subadvisors, and institutional platforms.

Benjamin Proctor III is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 2000 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of financial planning services supported by structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

James Guidera III is a financial advisor at Robert Baird & Co. with 20 years of industry experience. He holds Series 66 and Series 63 credentials and has previously worked at Cerity Partners LLC, Maryland Capital Management, LLC, Franklin Distributors, LLC, and Lord, Abbett & Co. LLC. Robert Baird & Co.’s Private Wealth Management department serves individuals, including high net worth clients, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and brokerage services, utilizing internal research and manager oversight to support client advice.

Nathan Badowski is a financial advisor with LPL Enterprise, holding CFP® and Series 63 credentials and bringing 19 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, and New York Life, among others. LPL Enterprise, LLC provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach using portfolios developed by internal and third-party strategists and offers services such as financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Dale Waters III is a CFP®-designated financial advisor with seven years of industry experience. He currently works at Morgan Stanley in Hunt Valley, MD, with prior experience at Bank of America and Merrill. Waters attended the University of Virginia before beginning his financial services career. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Jackson Boothby is a financial advisor with LPL Enterprise holding a Series 66 credential. He has one year of industry experience. Outside of advising, he is involved with Jet Services Inc. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to various financial planning, insurance, and trust services.

Joel Fiddle is a financial advisor with LPL Financial in Reisterstown, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. His prior roles include positions at Bank of America, Merrill, M&T Securities, PNC Wealth Management, and Mercantile Brokerage Services. 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 diverse range of advisory services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad network of investment adviser representatives.