Dmitrii Portyko is a financial advisor at Merrill with a Series 66 credential and three years in the industry. He previously worked at Teploenergoservis for 13 years and has been with Bank of America, N.A. since 2026. Merrill, together with 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 institutions.

Joshua Fredricks is a Wealth Management Advisor with Merrill Lynch Wealth Management, providing financial guidance to corporate executives, business owners, and affluent families. He brings over 25 years of experience, focusing on a wide range of services including executive compensation, equity compensation services, family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, and tax minimization. Joshua’s approach emphasizes collaborative relationships that address both assets and liabilities to help clients achieve their financial goals. Joshua holds a Bachelor of Science degree in Finance and Small Business Management from the University of Colorado in Boulder. He has earned the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. His expertise has been recognized with repeated inclusion in the Forbes "Best-in-State Wealth Advisors" list. Outside of his professional work, Joshua resides in Potomac, Maryland with his wife and three children. His personal interests include golfing, ice hockey, music, tennis, traveling, and spending time with his family. He is also involved in coaching youth sports.

Elisha Comfort is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 credential and has been with Morgan Stanley for ten years. Outside of her advisory role, she is involved with Heavy Seas Alehouse, a business she has been associated with for over a decade. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Amit Thakkar is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His career includes multiple roles within Wells Fargo entities since 2011 and a brief tenure at Edward Jones in 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Joshua Berry is a Financial Advisor with Merrill Lynch Wealth Management. He emphasizes a holistic wealth management approach that begins with understanding each client’s unique financial situation and values. Joshua develops personalized strategies designed to adapt to changing needs and market conditions, leveraging Merrill's investment insights and the banking capabilities of Bank of America. Joshua holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Virginia Polytechnic Institute & State University. He is actively involved in his community, volunteering with local youth organizations such as Hilltop Elementary School. Outside of work, Joshua enjoys fishing, football, and spending time with his family.

Patrick Gibbons is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. Prior to joining LPL in 2019, he worked for Northwestern Mutual in various capacities from 2003 to 2019. He serves as finance committee chairperson for Emory Church and is involved with nonprofit boards including the Construction Finance Association. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and technology-enhanced strategies.

Beth Pharr is a financial advisor with Morgan Stanley in Lutherville, MD, holding a Series 66 designation and possessing 21 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.

Bilal Colbert is a financial advisor with LPL Financial in Hanover, MD, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at Tower Federal Credit Union, E*TRADE Securities, TD Ameritrade, Bank of America, and Merrill. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Chris Varlotta is a financial advisor at Mass Mutual Investors Services with 24 years of industry experience. He holds a Series 66 designation and has worked at Mass Mutual Investors Services since 2017, following a 15-year tenure at METLIFE Securities Inc. Outside of his advisory role, Varlotta is involved as a co-owner in Tidecreek Planning, LLC. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software and facilitates ongoing, collaborative planning engagements with clients.

Kelley Fant is a financial advisor with RBC Capital Markets in Columbia, MD, holding a Series 66 designation and 17 years of industry experience. Fant has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, and provides a range of portfolio management, financial planning, custody, and brokerage services.

John Meegan is a financial advisor with LPL Financial in Timonium, MD, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He previously worked with Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

Joshua Rivlin is a financial advisor with Cambridge Investment Research Advisors and holds a Series 66 designation. He has 16 years of industry experience, including roles at LPL Financial and managing his own firm, The Rivlin Group PC, where he provides tax preparation and accounting services. He is also involved as an independent insurance agent and has participated as a speaker promoting the Xero brand to accountants and bookkeepers. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through a network of independent Financial Professionals. The firm offers comprehensive financial planning and investment management services with multiple portfolio management options, proprietary and third-party model strategies, and a combination of discretionary and non-discretionary implementations tailored to client objectives.

Celvin Reyes Ramos is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, N.A., Merrill, PNC Bank, and PCC Wireless. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering a range of model-based and discretionary investment strategies.

Stephen Smith is a financial advisor with OSAIC, holding a Series 66 designation and having 21 years of industry experience. He previously worked at Sii and John Hancock Life Insurance from 2004 to 2018. Outside of advising, Smith operates an insurance brokerage specializing in life and health fixed insurance products. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Damion Dengler is a financial advisor at LPL Financial in Ellicott City, MD, holding a Series 66 designation with 22 years of industry experience. He has been with LPL Financial since 2003. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Anthony Palma is a financial advisor at Wells Fargo Clearing with four years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Bank, NA, Anderson Merchandisers, and several educational institutions including the University of Maryland Global Campus and Prince George's Community College. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven process incorporates modern portfolio theory and includes a broader range of financial products than typical large institutional advisers, such as insurance-related vehicles and bank deposit sweep options.

Juergen Dietrich is a financial advisor at Wells Fargo Clearing with 37 years of industry experience. He holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options, than is typical for large institutional advisers.

Matthew Larson is a CFP® and holds a Series 66 license, with eight years of experience in the financial industry. He is currently with OSAIC and previously worked at StoneBridge Advisors and the University of Maryland College Park. OSAIC serves a wide range of clients including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, financial planning, and access to various investment platforms, utilizing asset-allocation tools and risk assessment to manage diversified portfolios.

Amr Rawi is a financial advisor at Merrill with six years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Frank Eilbacher is a financial advisor with Primerica Advisors in Eldersburg, MD, holding Series 63 and Series 65 licenses with eight years of industry experience. His work history includes roles at Cornell Technical Services, PFS Investments, Inc., Primerica Financial Services, Inc., and GDIT. He is also involved in the sale of non-investment products through affiliates of PFS Investments Inc., including loan products and home-related services. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with thousands of advisors and offices, offering model-driven investment strategies supported by third-party asset managers and custodians.