Erik Moran is a financial advisor at Merrill with 33 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1993, alongside a 15-year tenure at Bank of America. He serves as a committee member for the St. James Church in Monkton, Maryland, assisting with selecting advisors and monitoring the endowment’s performance. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations.

Ronald Mitcherling Jr. is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with Morgan Stanley in various roles since 2009, including Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate agreements.

Corinne Gaquin is a Certified Financial Planner (CFP®) with eight years of experience at Raymond James Financial Services Advisors, where she has worked since 2016. She also serves as an associate employee at Armory Financial, providing support for another financial advisor. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, charitable organizations, and state and municipal entities, with a focus on tailored, non-discretionary advisory solutions.

George Dircks Jr. is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has worked with Wells Fargo Advisors LLC from 2009 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings than typical for large institutional advisers.

Thaddeus Pedzich is a financial advisor with Cetera who holds the ChFC® designation and has 36 years of industry experience. He has worked at Cetera and its affiliates since 2021 and previously spent seven years with VOYA Financial Advisors. He serves as president and owner of Green Gate Technology, Inc., where he manages business, financial, accounting, and personnel activities, and is a member of the finance committee at Life Bible Fellowship Church. Cetera Investment Advisers LLC is an SEC-registered adviser operating a large nationwide network of independent advisors, serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting a wide range of program structures and custodial relationships.

Henry Pitts is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and 10 years of industry experience. He has been with Bank of America and Merrill since 2016. Outside of his financial advisory role, Pitts owns VoyceWerx Media, a voice-acting and recording business focused on audio for commercials. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors.

Jacklyn Borkman is a financial advisor with Morgan Stanley in Hunt Valley, MD, holding Series 65 and Series 66 designations and bringing 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide array of advisory programs, including tailored financial planning that employs structured discovery and firm-approved planning tools.

Holly Huber is a financial advisor at Merrill with seven years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price and Sheffield Financial. Her current role began in 2026 at Merrill and Bank of America. 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, and other institutional investors. The firm operates within Bank of America’s broader platform, providing access to a wide array of products and services.

Sasha Howard is a financial advisor with Merrill based in Hunt Valley, MD. She holds a Series 66 designation and has two years of industry experience. Prior to her current role, she worked at Signet Jewelers for six years and was involved with several business activities including Sasha Geneva Howard LLC. 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 and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a variety of products and services beyond typical managed account offerings.

Michael Dunn is a financial advisor at RBC Capital Markets with one year of industry experience. He holds a Series 66 designation and has previously worked at Planet Home Lending, Morgan Stanley, Universal Appraisal Services, Wells Fargo Advisors, and McDaniel College. RBC Wealth Management serves individual, institutional, corporate, and charitable clients with a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, offering features such as tax management and responsible-investing options.

Robert Bussells is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley and its Private Bank division since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that incorporates firm-approved tools and modeling techniques, managing approximately $2.74 trillion in client assets.

Paul Hofmann is a financial advisor with Wells Fargo Advisors in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. He worked at UBS Financial Services from 2010 to 2021 before joining Wells Fargo Advisors in 2021. Outside of his advisory work, he serves as a trustee for his father's trust. 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 tailored to clients meeting certain net-worth thresholds, using proprietary research and planning tools to deliver customized recommendations.

Edward William Kissinger is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has worked at RBC Capital Markets since 2017 and previously spent 16 years at Sanders Morris Harris Inc. His current role includes affiliation with City National Bank beginning in 2019. 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 customizable portfolio management and integrates both in-house and third-party investment resources.

Taylor Hough is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 credential and six years of industry experience. He has been with Merrill since 2017 and has prior experience at Bank of America. Outside of his advisory role, he has involvement with the Arizona Soccer Club. 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 for individuals, high-net-worth clients, plans, and charitable organizations.

Kristopher Johannssen is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with substantial investable assets, delivering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Brian Drumgoole is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at Securities Service Network, Inc. and through his own firm, Drumgoole Financial Services. Outside of financial advising, he is the owner of Harford Brewery Tours, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs and financial planning services supported by research and various portfolio management strategies.

Edwin Bergen II is a financial advisor at Raymond James & Associates with 29 years of industry experience. He holds Series 63 and Series 66 designations and has been with Raymond James for 10 years. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $500.956 billion in assets and supporting over 5,400 financial advisors. The firm serves a broad client base—including individuals, pension plans, corporations, and government entities—offering wealth advisory planning and investment consulting on a non-discretionary basis, supported by an extensive affiliate network and active involvement in municipal and public finance services.

Ami Harnsberger is a financial advisor with Ameriprise, holding a Series 66 designation and bringing 22 years of industry experience. She has worked with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis within a centralized consulting team to deliver personalized, algorithm-supported retirement advice.

Tracey Dubree is a Series 66-credentialed financial advisor with 22 years of industry experience, currently serving clients at UBS Financial Services since 2003. She is a member of the board of directors for The Turntable Fund, Inc., a charitable foundation involved in fundraising efforts. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a broad range of investment and capital markets solutions.

Dana Wesolowski is a financial advisor with Merrill, holding a Series 66 designation and bringing 10 years of industry experience. She has been with Merrill since 2015. Merrill provides managed account services through its Select Portfolio Solutions program, serving a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies implemented by Managed Account Advisors LLC and third-party managers, integrated within the broader Bank of America platform.