Kristina Jackson is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Her prior roles include positions at Bank of America, PayPal, and Mariner Finance. Outside of her advisory work, she provides guest services for sporting facilities and events through S.A.F.E Management in Baltimore. Merrill offers managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, employing model-based and discretionary investment strategies across a broad client base that includes individuals, high-net-worth clients, and institutional investors.

Joseph Juras is a financial advisor with Wells Fargo Clearing in Ellicott City, MD, holding Series 63 and Series 65 licenses and having 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. He also serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Liliana Maes is a financial advisor with LPL Financial in Nottingham, MD, holding Series 63 and Series 65 credentials and 17 years of industry experience. Her prior roles include positions at M&T Bank, JP Morgan Chase Bank, AXA Advisors, and Mass Mutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by in-house and third-party research, with both discretionary and non-discretionary management options.

Ryan Pollard is a financial advisor at LPL Financial with eight years of industry experience. He holds the Series 63 and Series 65 registrations and has worked at firms including Valic Financial Advisors, Agia, Lincoln Financial Advisors Corporation, and OSAIC. In addition to his advisory work, he offers fixed annuities, fixed indexed/equity annuities, and long-term care insurance. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from internal and third-party sources.

Matthew Cramer is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked at Long Fence Company for seven years and held positions at McDaniel College and Dicks Sporting Goods. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a wide range of investment strategies and advisory services through a large network of financial advisors and branch offices. The firm manages approximately $1.01 trillion in assets and operates under a fiduciary standard.

Stephen Merrill is a financial advisor at OSAIC with 11 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors for 12 years. Merrill is also involved with Heritage Financial Consultants, LLC as an agent and financial planner, offering a range of insurance products including accident, health, disability, and life insurance. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to third-party money managers through a network of affiliated advisers and multiple advisory platforms.

Jeffrey Ring is a financial advisor with Equitable Advisors in Pikesville, MD, holding Series 63 and Series 65 credentials and over 38 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked with Axa Advisors. Outside of his advisory work, he assists with his local condominium association and serves as power of attorney and estate executor for a family member. 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 third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

Brenna Baim is a financial advisor with LPL Financial in Owings Mills, MD, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining LPL Financial, she held various roles in education and hospitality, including positions at the University of Maryland Baltimore County and several restaurants. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, research, and technology to support its investment management.

Amy Brocious is a CFP® professional with 41 years of industry experience, currently serving as a financial advisor at OSAIC since 2025. She spent 40 years at Lincoln Financial Advisors Corporation prior to joining her current firm. In addition to her advisory role, she is involved with Heritage Financial Consultants, LLC, where she offers fixed annuities, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base that includes individual, high-net-worth, pension, corporate, and charitable investors through a large network of affiliated advisors and multiple advisory platforms. The firm utilizes a range of asset-allocation tools and offers integrated brokerage and advisory services, including access to third-party money managers and unified managed accounts.

Gregory Kroneberger Jr. is a CFP® professional with 34 years of industry experience, currently affiliated with RBC Capital Markets in Hunt Valley, MD. He has worked with RBC Capital Markets since 2009 and also with City National Bank since 2019. Outside his advisory role, he serves on the board of directors for the Catholic Community Foundation and participates in fundraising for the Archdiocese of Baltimore. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning services through various advisory programs.

Michael Kilduff is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley and Baltimore-Washington Financial Advisors. He was also involved with Manor Renovations from 2022 to 2023. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

David Matthews is a Certified Financial Planner® with 24 years of industry experience. He has been with Raymond James Financial Services Advisors since 2012. Outside of his advisory role, Matthews serves as Treasurer for Mt. Ararat #44 Ancient Free & Accepted Masonic Lodge, where he manages the lodge’s finances. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base including individual investors, pension plans, charitable organizations, and government entities. The firm offers tailored, primarily non-discretionary advisory services and institutional consulting solutions, supported by a broad affiliate network and specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services.

Thomas Spray Fry is a CFP® and ChFC® with 26 years of industry experience. He has been with OSAIC since 2025, following a 26-year tenure at Lincoln Financial Advisors. Outside of his advisory role, he is an at-large director of the Carroll Manor Rec Council, which promotes youth and adult sports opportunities in his community. OSAIC serves a wide range of retail and institutional clients through a large network of financial advisers and offers integrated brokerage and investment advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs a variety of asset-allocation tools and managed-account solutions to construct portfolios tailored to client needs.

Timothy Herb Jr. is a financial advisor with RBC Capital Markets, holding Series 65 and Series 66 licenses and bringing 27 years of industry experience. He has worked with RBC Capital Markets since 2009 and also has experience with City National Bank and his own company, Spurtix LLC. Outside of his advisory role, he volunteers with the Boys & Girls Club of Westminster as part of their fundraising efforts for new gymnasium construction. RBC Wealth Management serves a diverse client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning through various advisory programs. The firm integrates in-house and third-party investment managers and provides a broad range of capital markets and lending services.

Athena Mc Guire is a financial advisor with Ameriprise in Brandywine, MD, holding a Series 66 designation and 17 years of industry experience. She has been with Ameriprise and its affiliated entities since 2011. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficient strategies to provide tailored recommendation reports. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Keira Levy is a financial advisor with RBC Capital Markets, holding a Series 66 designation and one year of industry experience. Prior to joining RBC in 2023, she held various positions including roles at Palm Beach Tan and Loyola University Maryland. RBC Wealth Management serves a diverse client base, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm integrates in-house and third-party investment managers with customizable advisory programs tailored to client risk profiles.

Martin Krist is a financial advisor with LPL Financial in Owings Mills, MD, holding Series 63 and Series 65 licenses and having nine years of industry experience. His prior roles include positions at MML Investors Services, MassMutual, The Prudential Insurance Company of America, and Pruco Securities. Outside of his advisory work, he is involved with MK Enterprises, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals—including high-net-worth clients—retirement plans, financial institutions, 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 supported by proprietary and third-party research, with both discretionary and non-discretionary management options.

Deborah Williams is a Certified Financial Planner (CFP®) with 29 years of industry experience. She has been with LPL Financial since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through its national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jacob Harris is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise, he worked at Harford Financial Group and has a background that includes time at Loyola University Maryland and Harford County Public Schools. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies.

Connor Effinger is a financial advisor at Morgan Stanley with five years of industry experience. He previously worked at T. Rowe Price and Elevation Corporate Health LLC. Effinger holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate-sponsored financial planning services.