Heather Joynes is a financial advisor at Stifel with 27 years of industry experience. She has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is a Maryland-certified notary public. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling to guide asset allocation and financial planning decisions.

Nathan Badowski is a CFP® professional with 18 years of industry experience, currently affiliated with LPL Enterprise since 2024. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Camden Planning Group, Eagle Strategies (NY Life), and New York Life. LPL Enterprise serves a wide range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory, and brokerage services through a platform that integrates investment advice, insurance products, and third-party asset management.

Dale Waters III is a CFP®-designated financial advisor with seven years of industry experience. He currently works at Morgan Stanley in Hunt Valley, MD, with prior experience at Bank of America and Merrill. Waters attended the University of Virginia before beginning his financial services career. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs and tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Jackson Boothby is a financial advisor at LPL Enterprise with a Series 66 designation and less than one year of industry experience. His prior work includes roles outside of the financial sector at companies such as Jet Services Inc and Alley Oops. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, model wealth portfolios, third-party asset management, and a range of brokerage and insurance products via an integrated platform.

Joel Fiddle is a financial advisor at LPL Financial with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill, Bank of America N.A., and M&T Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from multiple sources.

Andrew Garrett is a financial advisor at Cetera with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Avantax Investment Services and 1st Global Capital Corp. Outside of his advisory role, he serves as a trustee for a 401(k) plan and is involved with WABC Wealth Management Services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.

Bret Schertz is a CFP®-certified financial advisor with 24 years of industry experience. He has worked at Wells Fargo Advisors since 2026 and previously spent 17 years at RBC Capital Markets Corporation. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu with specialized services and uses proprietary research and tools to develop tailored recommendations for its clients.

Adam Cox is a financial advisor at LPL Enterprise with 19 years of industry experience. He holds Series 63 and Series 65 designations and has worked with firms including Avantax Advisory Services and Hughes Network Systems. Outside of advising, he is the owner of Metro Fitness, Inc. LPL Enterprise serves a diverse client base ranging from individuals and retirement plans to corporations and charitable organizations. The firm offers financial planning, model portfolio management, third-party asset management, and access to a broad range of brokerage and insurance products through its integrated platform.

Brian Mccully is a financial advisor with LPL Enterprise, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 16 years of industry experience, including prior roles at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of investment advising, he works as an independent contractor in ancillary health insurance sales. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm provides financial planning and consulting services, access to model wealth portfolios, third-party asset management, and a broad range of brokerage and insurance products through its integrated platform.

John Kernan is a financial advisor at Merrill with seven years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Hardesty Capital Management for 14 years before joining Bank of America and Merrill. 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 corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide set of investment products and services.

Connor Balea is a financial advisor at Merrill with one year of industry experience. He holds the Series 66 designation and previously worked at Guidos Burritos and Towson University. 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 range of clients, including individuals, high-net-worth clients, and institutional fiduciaries.

Brian Koch is a CFP®-certified financial advisor with 15 years of industry experience. He currently works at RBC Capital Markets and previously spent nine years at Fidelity Brokerage Services LLC. He serves as a volunteer member of the Board Investment Sub-Committee for Notre Dame Preparatory School, an independent Catholic girls' school. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in‑house and third‑party managers.

Edward Garbarino is a Wealth Management Advisor with Merrill Lynch Wealth Management. He and his team focus on customized wealth building and preservation strategies for families and individuals, retirement and income planning, and company retirement plans. They work to help clients maximize wealth accumulation and preservation through goal-based wealth management, portfolio risk management, and a disciplined approach to portfolio management. He and his team employ a defined process to help clients identify and prioritize their financial goals, objectives, risk tolerances, and timelines. This collaborative approach provides the foundation for designing and implementing successful long-term investment strategies tailored to each client's unique needs. They oversee and coordinate the financial affairs of families, retirees, corporate executives, and business owners, simplifying financial complexity and coordinating with clients' external advisors including attorneys and tax professionals. Edward holds a bachelor's degree from the University of Notre Dame Mendoza College of Business Administration and holds professional designations including Certified Investment Management Analyst (CIMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is involved in community service as a member of The Leaders United Executive Council and The Leadership Engagement Council of The United Way of Central Maryland.

Joel Galligan Stierle is a financial advisor with Ameriprise in Bel Air, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of advising, he is the owner of Galligan-Stierle Management LLC, which manages his Ameriprise business. Ameriprise offers retirement-income planning services designed for individuals nearing or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process while offering a broad range of advisory, brokerage, and insurance solutions.

Jeanine Norris is a financial advisor at Morgan Stanley with 27 years of industry experience and holds a Series 66 designation. She has worked with Morgan Stanley Smith Barney LLC since 2010 and was previously with Morgan Stanley Private Bank, N.A. from 2015 to 2017. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs a structured planning process using firm-approved tools and offers a broad selection of investment and trading services.

Christopher Nice is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Merrill, Morgan Stanley, and Bank of America. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations through various advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm integrates in-house and third-party investment managers and provides tailored strategies based on clients’ Advisory Risk Profiles.

Deion Boateng is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Charles Schwab in Towson, MD, having previously worked at Westfield Bank and Ghisallo Capital Management. Prior to his financial career, he was employed in roles outside the industry including Uber Eats and Robert Half. Charles Schwab serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach with integrated custody and brokerage services.

Hannah Gouger is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. She has worked at Merrill since 2020 and is also employed by Bank of America, N.A. since 2022. Prior to her advisory roles, she was affiliated with the University of Richmond and the Dulaney Swim 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 to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated with Bank of America’s broader platform, enabling access to a wider set of products and services.

Diane Muhler is a financial professional with 33 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 designations. Her prior work includes roles at Securian Capital of the Chesapeake, SunTrust Advisory Services, and Minnesota Life Insurance Co. Outside of financial advising, she works as an electrical sales associate at Home Depot and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving 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 employs a multi-manager platform with various discretionary and non-discretionary program options.

Robert Naeny Jr. is a Series 63 and Series 65 registered advisor with Stifel in Hunt Valley, MD, where he has worked since 2007. He has 31 years of industry experience. Stifel serves a diverse range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services that incorporate proprietary investment analysis and asset allocation methodologies. The firm also provides services to private funds and municipal entities, operating alongside affiliated trust companies and banks.