Nicholas Meinert is a CFP® with two years of industry experience, currently affiliated with Wells Fargo Clearing. His prior work includes roles at the US Naval Academy Alumni Association, Phillips Edison and Company, Lordstown Motors, and Siemens DISW. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary plan-level investment management. The firm’s advisory process is IPS-driven and includes a broader set of financial product offerings than typical large institutional advisers.

Frank Carbone is a financial advisor with Merrill in Baltimore, MD, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill since 2017 and concurrently at Bank of America, N.A. since 2018, with prior experience at Howard Bank from 2016 to 2017. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Jonathan Shimaitis is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015, as well as at Morgan Stanley Smith Barney since 2009 and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management serves individual and institutional clients offering a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and modeling techniques.

Aaron Shapo is a financial advisor at Equitable Advisors with a Series 66 designation and less than one year of industry experience. His previous work history includes roles outside the financial industry, such as positions at Communities First Inc., Bender JCC of Greater Washington, and Michigan State University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a broad roster of third-party asset managers. The firm utilizes a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Luke Smith is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial planning and investment management services to clients to help them achieve their financial goals. Specific details about his experience, areas of expertise, education, credentials, and personal interests have not been provided.

Kelly Williams is a Series 66-licensed financial advisor with Morgan Stanley in Hunt Valley, MD, and has seven years of industry experience. She has been with Morgan Stanley since 2013, including a brief period working outside the financial sector in 2018. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes a structured discovery process and planning tools that employ Secular Return Estimates and Monte Carlo simulations to model financial outcomes.

Melvin Marroquin is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 63 and Series 65 licenses and two years of industry experience. He previously worked at Bank of America N.A. from 2015 to 2023. 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 combines research from Wells Fargo Investment Institute with third-party analytics to provide diversified investment solutions.

Angela Kuzmeskus is a financial advisor with LPL Financial in Hanover, MD, holding Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at LPL Financial and Tower Federal Credit Union since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Eli Ben Zev is a financial advisor with LPL Enterprise in Baltimore, MD, holding a Series 66 designation and 16 years of industry experience. His prior work includes roles at Prudential Insurance Company of America and Pruco Securities, LLC. He is also involved in selling health insurance through the Maryland Health Exchange. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management programs through both advisory and brokerage channels.

Baylee Gray is a Financial Advisor with Merrill Lynch Wealth Management, specializing in personalized financial planning and wealth management strategies. She works with individuals, families, and business owners to make informed financial decisions that align with their long-term goals. Her areas of focus include family wealth management, personal retirement planning, managing new wealth, women and wealth, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income planning. Prior to her career in finance, Baylee served as an Emergency Medical Technician, an experience that contributed to her service-first mindset and ability to navigate complex situations calmly and thoughtfully. She has several years of experience supporting advisory teams and developing expertise in investment management, financial planning, and client service. Baylee is a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Baylee holds a Bachelor's Degree from the University System of Maryland and a Master of Business Administration from the Louisiana State University System. She is involved with the University of Maryland Medical Center in her community. Outside of work, Baylee enjoys boating, bowling, cooking, football, hiking, interior decorating, spending time with her family, swimming, traveling, and watching movies.

Max Hoffman is a financial advisor at Fidelity with Series 66 registration and one year of industry experience. His prior roles include positions at Equitable Advisors and various non-financial organizations. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management. The firm employs a systematic investment approach utilizing fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Zouhair Tahri is a financial professional with Cetera and holds Series 63 and Series 65 licenses. He has professional experience managing a tax and accounting firm, Tahri CPA PLLC, since 2021. Prior to his current financial services role, he worked in the technology sector with DXC Technology and Xerox. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform combining affiliated and third-party investment options.

Geoffrey Brent is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at RBC Capital Markets since 2009 and at City National Bank since 2017. Brent serves on the boards of the Living Classrooms Foundation, a nonprofit supporting at-risk youth, and Boys' Latin School, where he chairs the committee on trustees. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies, combining in-house and third-party managers, and provides portfolio management, financial planning, custody, and brokerage services.

Robert Toczylowski is a financial advisor at OSAIC with 25 years of industry experience. He holds the Series 66 designation and has previously worked at Woodbury Financial Services, Inc. and Capital One Advisors, LLC. Outside of his advisory role, he is a partner at Symmetry Financial Partners, focusing on insurance and financial planning. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Kent Jasperse is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Bank NA and Wells Fargo Clearing Services since 2018, following five years at Equity Services, Inc. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Joseph Morgan is a financial advisor at Osaic with 34 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Lincoln Financial Advisors Corporation for 33 years. Outside of his advisory role, he is involved in philanthropic activities, including ownership of The Morgan Family Foundation, which raises funds for dyslexic schools and programs in Maryland, and serves on the board of a dyslexia tutoring non-profit. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated financial services through a large network of advisers, utilizing asset-allocation tools and multiple advisory platforms to support customized portfolio management.

David Solomon is a financial advisor with Ameriprise in Ellicott City, MD, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside his advisory role, Solomon serves on the board of The Lucky Duck Foundation, Inc. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored recommendations. The firm also delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Russell Weber is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with UBS since 2009. Weber serves as a board trustee for The Friends School of Baltimore. UBS Financial Services serves individual, corporate, and institutional clients, offering brokerage and investment advisory services including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, delivering advisory work through proprietary research and model-based asset allocations.

Terrell Barnes is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked in various roles including at Sheppard Pratt Health Systems and in the home improvement sector. Outside of finance, he is involved in a home improvement business focused on roofing projects. Merrill provides managed account services through the Select Portfolio Solutions program, serving a diverse client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers model-based and discretionary investment strategies integrated with Bank of America’s broader platform.

Ethan Buda is a financial advisor at Merrill with two years of industry experience. He holds the Series 66 designation and has prior experience at Bank of America, Interstate Management Company, and Baltimore Avenue Investments. Outside of finance, he has worked in the restaurant industry with Atlas Restaurant Group and World of Beer. 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.