Katherine Ciccimaro is a Series 66-registered financial advisor with Morgan Stanley, based in Hunt Valley, MD. She has seven years of industry experience, including roles at Morgan Stanley Private Bank, The Prudential Insurance Company of America, and Pruco Securities. 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 services supported by firm-approved tools and methodologies.

Nicholas Schiavone is a financial advisor with Raymond James & Associates holding a Series 65 credential and three years of industry experience. Prior to joining Raymond James, he worked at Verdence Capital Advisors for five years. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and governmental entities, offering tailored financial planning and consulting through various advisory programs.

Gordon Margerum is a financial advisor with Primerica Advisors in Owings Mills, MD, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 2001. In addition to advisory activities, he is involved in sales of mortgage loan products and referrals for home security and automation services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-driven investment strategies and partners with third-party asset managers and custodians to deliver its advisory services.

William Boykin V is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Stormharbour Securities LP. Outside of his advisory role, he helps organize fundraisers for the One Love Foundation. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Victor Folayan is a financial advisor at Cetera with 11 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Kinnect Wealth Management, Securian Financial Services, New York Life, and Primerica. Outside of his advisory work, he serves as Treasurer of ANPA DMV and volunteers with the FGC Idoani Alumni Association. Cetera Investment Advisers LLC operates as a multi-manager platform serving individuals, retirement plans, corporations, and institutional clients, offering discretionary and non-discretionary portfolio management along with access to third-party money managers.

Ascenza Meyer is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 13 years of industry experience. She has worked at Raymond James since 2013 and previously supported Fusco Financial Associates. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm uses analytical tools and tailored approaches to support client goals and offers specialized advisory programs along with municipal and public finance services.

Brittnay Larrimore is a financial advisor with RBC Capital Markets, LLC, holding Series 63 and Series 65 credentials and seven years of industry experience. She has worked at RBC Capital Markets since 2018 and previously held roles at City National Bank and World of Beer Baltimore. Larrimore serves on the Board of Trustees finance committee for CASA Baltimore. RBC Wealth Management, a division of RBC Capital Markets, serves individual, institutional, corporate, and charitable clients with a range of advisory programs. The firm customizes investment strategies based on client risk profiles and offers both discretionary and non-discretionary portfolio management along with various financial services.

Kelly Lemasters is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 65 licenses and 25 years of industry experience. She has worked at Merrill and Bank of America, N.A. since 2009, following a year at Banc Of America Investment Services, Inc. prior to that. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, supported by Bank of America’s infrastructure for trading, account administration, and custody.

Susan Scarborough is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. She has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models without providing individual security recommendations in standalone plans.

Brian Heffern is a financial advisor with Merrill, holding Series 63 and Series 66 credentials and 12 years of industry experience. He has been with Merrill since 2017 and also works with Bank of America, N.A. Since 2019, he has been involved with both firms in roles related to investment advisory services. 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 developed by internal Chief Investment Office teams and third-party managers for individuals, high-net-worth clients, and institutional investors.

Patrick Leland is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He has been with Merrill since 2016. 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.

Brian Smith is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His prior work includes roles at Bank of America, American Residential Services, Darden Restaurants, and Coastal Carrier Moving and Storage. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and charities, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm integrates investment management through multiple program strategies and emphasizes tax-efficient capabilities, supported by its affiliation with Bank of America and related capital markets platforms.

William Winterstein is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding a Series 66 designation and bringing 26 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Morgan Stanley Wealth Management serves individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and offers planning supported by firm-approved tools and methodologies.

Joanna Eyere is a Financial Advisor at Merrill Lynch Wealth Management. In her role, she provides financial planning and investment advisory services to clients. Joanna holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA), reflecting her expertise in retirement planning and personal investment strategies. She earned a Bachelor's Degree from the University of Maryland UC and a Master of Business Administration (MBA) from the University of Maryland GP.

Richard Denardi is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at firms including Nationwide Investment Services Corporation and Ferris, Baker Watts, LLC. Outside of his advisory work, he is involved in coaching amateur and high school baseball teams. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporate clients. The firm offers brokerage and advisory services utilizing model-based asset allocation and portfolio optimization, supported by a complex affiliate network and multiple program options.

Gregory Buchinski is a Senior Financial Advisor at Merrill Lynch Wealth Management with 28 years of experience in the field. He joined Merrill Lynch in 1997 after earning a Bachelor's degree in Economics with a concentration in Finance from the University of Maryland, Baltimore County. Greg employs a disciplined approach to portfolio management, emphasizing wealth preservation as fundamental to successful investing. Greg holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Throughout his career, he has been recognized as part of the Liotta Osterman Buchinski team named to the 2023 Forbes "Best-in-State Wealth Management Teams" list. Beyond his professional pursuits, Greg has served on the Board of the University of Maryland, Baltimore County Alumni Association and as past President of the Towson Toastmasters Club. He and his wife Mirna, an attorney specializing in Estate Planning and Elder Law, raise their children Michael and Ava Marie.

Walter Megger is a Series 66 credentialed advisor at Merrill with 22 years of industry experience, including 29 years at Merrill. He is also a consultant and umpire for a recreational girls softball league through ArbiterSport LLC. 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 investors.

David Crabtree is a financial advisor at Merrill with 15 years of industry experience. He holds Series 63, Series 65, and Series 66 credentials. His prior experience includes roles at Bank of America, Blackstone, Fidelity & Guaranty Life, M&T Bank, and Wilmington Trust Investment Advisors. 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, pension plans, corporations, and charitable organizations.

Stuart Mears is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2015. Outside of his advisory role, he works part-time stocking shelves at Martins Supermarket in Eldersburg, Maryland. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Gerald Marquez is a financial advisor at Robert W. Baird & Co. with 40 years of industry experience. He has been with Robert W. Baird since 2009 and holds Series 63 and Series 65 licenses. He is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals and risk tolerances, employing both in-house and third-party managers across traditional and complex investment strategies.