Patrick Wilbert is a financial advisor at Cetera with 18 years of industry experience and holds the Series 66 designation. He has worked at Cetera and its affiliates since 2019 and was previously with Summit Financial Group and Summit Brokerage Services. Wilbert is also a partner at Premier Planning Wealth Management and serves as an insurance specialist offering life, health, and annuity products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party money managers.

Andrew Mergler II is a Wealth Management Advisor with Merrill Lynch Wealth Management. He specializes in working with founders, senior executives, and professionals, particularly within the private equity-backed ecosystem, whose personal wealth has become complex due to significant financial events such as business sales, recapitalizations, equity compensation, or concentrated stock holdings. His expertise includes concentrated, illiquid, and complex financial scenarios, focusing on areas such as corporate executive services, employee benefits planning, executive compensation, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, philanthropic planning, portfolio management services, and tax minimization. Andrew utilizes Merrill’s proprietary Personal Wealth Analysis™ tool to evaluate clients' entire financial picture and assist with advanced tax mitigation strategies, estate and wealth transfer planning, tax-efficient diversification of concentrated equity, executive compensation and options analysis, liquidity and capital call planning, and philanthropic planning. Andrew holds a Bachelor's Degree from the University of Maryland and has earned professional designations including Certified Financial Planner (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional work, he enjoys adventure sports, boating, golfing, reading, spending time with his family, and traveling.

Cynthia Barbieri is a financial advisor at Merrill with 21 years of industry experience and a Series 66 designation. She has been with Merrill since 2011. Outside of her advisory role, Barbieri serves as an advisory board member for Anne Arundel County CASA, Inc., a nonprofit organization that supports abused and neglected children involved in juvenile court proceedings. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

Daniel Lundeen is a financial advisor at Merrill with six years of industry experience. He holds the Series 63 and Series 65 certifications and has worked at Merrill since 2015, as well as at Bank of America and WBAL. Outside of his advisory role, he serves as a spotter for Baltimore Ravens home games, assisting with radio broadcasts through the Hearst Corporation. 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.

Logan Grossman is a CFP® professional affiliated with LPL Financial, with 12 years of industry experience. He previously worked at Valic Financial Advisors and Agia, and serves on the board of directors for Lighthouse Christian Academy. Grossman is based in Stevensville, MD. 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 and brokerage services including financial planning, model portfolios, and third-party asset management, supporting advisors with technology and a broad platform of financial products.

Joseph Boone is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry since 2002 and joined Merrill Lynch Wealth Management the same year. His work centers on developing strategies and providing investment guidance tailored to individuals, families, and businesses by understanding their financial objectives. Boone’s areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, liquidity management, managing new wealth, personal retirement planning, sports and entertainment, individual and corporate investment strategy, and retirement income. He leads The Boone Group, which emphasizes a planning-based practice focused on client needs and community involvement. Joseph holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree in Business Administration from Longwood University. A lifelong resident of Annapolis, Joseph Boone lives with his wife, Traci, and their two children. He is active in the community, supporting various local non-profits, and participates in activities such as running, skiing, and soccer.

Aladin Bacolodan is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by firm-approved tools and models, offering services primarily in an advisory capacity.

Lance Rosa is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Apollo Group Consulting and Bank of America, N.A. He is based in Annapolis, MD. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Henry Filter III is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1996 and at Bank of America, N.A. since 2011. 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 and profit-sharing plans, corporations, and charitable organizations.

Michael Viscardi Jr. is a CFP® and ChFC® with 28 years of experience in the financial services industry. He has worked at M&T Bank and its securities affiliate for over two decades before joining LPL Financial in 2021. Outside of his advisory role, he serves as a USA Hockey certified ice hockey referee for youth games 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 wide range of financial planning and investment services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Debra Dillon is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 9 years of industry experience. She has been with Wells Fargo Advisors since 2013. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and uses Wells Fargo research and tools to develop tailored recommendations for its clients.

Jesse Boyd Jr. is a financial advisor at Merrill with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1993, concurrently working at Bank of America 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors, with portfolio implementation that includes strategic asset allocation and tax-aware options.

Chad Houser is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2014. Outside of his advisory role, Houser is an employee of Valet Living, a construction and engineering company, and owns rental property in Annapolis, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its financial planning process.

Sarah Schut is a financial advisor at Cetera with 10 years of industry experience. She holds the CFP® designation and the Series 66 license. Her prior work includes roles at Radcliffe Corporate Services and Park Row Green, LLC. Outside of her advisory work, Schut volunteers as a financial literacy teacher at the Kent County MD YMCA and serves as treasurer on the board of the Rock Hall Yacht Club Sailing School. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures and custodial relationships.

Suzanne Offutt is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James Financial. Her prior roles include positions at Commonwealth Financial Network, Bank of America, and Merrill Lynch Pierce Fenner & Smith. She is also the owner of New Day Enterprises, LLC, a private entity involved in securities, advisory, and insurance business. Raymond James Financial Services Advisors, Inc. provides tailored financial planning and investment consulting to a diverse client base, including individuals, corporations, and institutional clients. The firm emphasizes non-discretionary planning using risk profiling and analytical tools and supports its services with technology, cybersecurity measures, and artificial intelligence.

John Sigler is a financial advisor with Morgan Stanley in Annapolis, MD, holding a Series 63 designation and bringing 38 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as president of St. John Vianney Catholic Church, where he is involved in budgeting and capital improvement planning. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning using firm-approved tools and serves clients through tailored financial strategies and planning services.

Caitlin Johnston is a Series 66-credentialed financial advisor at Morgan Stanley with 13 years of industry experience. She has been with Morgan Stanley since 2012, working out of Annapolis, MD. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Cheryl Freeman is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2019, with prior experience at UBS Financial Services. 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 plans, corporations, and charitable organizations.

Joanna St. Clair is a financial advisor at LPL Financial with 29 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at RBC Capital Markets Corporation for 17 years. She is also commissioned as a Notary Public in Annapolis, 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Lauren Leventry is a Wealth Management Advisor at Merrill Lynch Wealth Management. She advises families and business owners, primarily clients in the top tier of wealth, on navigating complex financial decisions with clarity and discipline. Lauren's work focuses on helping clients preserve and maximize significant wealth across generations through advanced tax strategies, liquidity events, and legacy planning. Lauren earned the CERTIFIED FINANCIAL PLANNER™ certification in 2006 and holds the Personal Investment Advisor (PIA) designation. She graduated from Gettysburg College and joined Merrill Lynch Wealth Management in 2003. Lauren creates customized investment strategies designed to meet client expectations and long-term goals and currently oversees the Investment Advisory Program for her group. She is involved in her community through volunteering at the Severna Park Community Center and Severna Park High School, and she serves on the board of the Bay Area Volleyball Academy.