Gavan Scanlan is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 licenses and seven years of industry experience. His work history includes positions at Bank of America, Northwestern Mutual, and RJ Bentleys. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Sellitto is a CFP®-designated financial advisor with 16 years of industry experience, currently with LPL Enterprise since 2024. His prior roles include positions at Garrison Forest Advisory Group, Pruco Securities, LLC, and LGS Financial LLC. Outside of advisory work, he is an attorney and operates a bar review business for students. LPL Enterprise offers investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients through a network of investment adviser representatives. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and provides access to third-party asset managers and wrap programs.

Jeffrey Lubin is a financial advisor at Morgan Stanley in Baltimore, MD, with 32 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Merrill for 28 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and incorporates structured discovery processes and advanced modeling tools in its financial planning approach.

Albert Antlitz is a financial advisor at Equitable Advisors with 43 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including Axa Advisors, LLC and Mony Securities Corporation. Antlitz has been with Equitable Advisors since 2005. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and asset-management programs. The firm works through a network of Investment Adviser Representatives and utilizes both proprietary and third-party investment solutions.

Julianne Hawes is a Wealth Management Advisor with Merrill Lynch Wealth Management. She brings over 20 years of experience in providing financial advice and customized wealth management solutions. Julianne is a key member of The Weisshaut Group, a team based in Boca Raton, Florida, which collaborates with multiple generations of affluent families to assess their financial objectives and implement effective strategies. Julianne holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor's Degree from the University of Florida. Julianne resides in Coral Springs, Florida.

James Brady is a Financial Consultant who assists clients and their families in understanding their financial well-being and collaboratively developing plans for their short-term and long-term needs. He emphasizes building relationships based on trust to guide clients toward achieving their financial goals. He has held various roles in the financial services industry, including Investment Consultant, Relationship Manager, and Financial Services Representative at Fidelity Investments from 2022 to 2024. Prior to that, he worked at T. Rowe Price in positions such as Workplace Investment Consultant, High Net Worth Client Representative, and Retail Investment Services Representative between 2019 and 2022. Outside of his professional work, James has interests in concerts, cooking and baking, fitness, football, outdoor adventures, and pets.

Gerald Geddes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked at firms including LPL Financial and Securian Capital of the Chesapeake, and he is the president and CPA of Geddes & Company, P.C., which provides tax preparation and planning services. Geddes is also involved in the sale of fixed insurance products as an insurance agent. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and consulting services, operating with more than 10,000 advisors and over $256 billion in assets under management.

Aron Maddox is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with MassMutual and its affiliated firms since 2015 and spent one year at T. Rowe Price Advisory Services in 2014. Outside of his advisory role, he is employed as a fulfillment associate at an Amazon fulfillment center. MassMutual 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 to analyze client goals and offers event-driven planning programs, including divorce and estate-settlement planning.

Colin Renick is a financial advisor at Merrill with Series 66 credentials and two years of industry experience. His prior roles include positions at Bank of America, Sheppard Pratt, and the Social Security Administration. He also worked for five years with Sociedad de Capacitación Limitada, a language community organization. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Saffran is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with LPL Financial, where he has worked since 2021. His prior experience includes roles at M&T Securities and M&T Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Susan Frillman is a financial advisor at RBC Capital Markets with 14 years of industry experience. She holds a Series 66 designation and previously worked at Harbor Investment Advisory, LLC for 13 years before joining RBC in 2024. Outside of her advisory role, she serves as Treasurer for a local condominium association, overseeing financial accounts and payments. RBC Wealth Management provides services to a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Hugo Warns III is a CFA® charterholder with 30 years of industry experience, currently serving at Stifel, Nicolaus & Company, Incorporated since 2005. He is co-owner and manager of Raptor Investments, LLC, a corporation focused on investments in privately held companies. Additionally, he serves on the boards of the Fred Haskins Commission, which is involved with amateur golf awards, and Bennabis Health, a company dedicated to improving patient health. Stifel serves a broad range of clients including individuals, institutional investors, and charitable organizations, providing brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and planning, while clients retain discretion over implementation.

Ryan Carr is a financial advisor with Ameriprise Financial Services, LLC in Bel Air, MD, holding a Series 66 designation and five years of industry experience. Prior to joining Ameriprise in 2020, he worked for MedStar Health from 2011 to 2020. He also manages an advisory business under J&R Juergensen Inc. as a Certified Financial Planner. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet certain asset criteria, providing written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in its approach, delivering recommendations through a centralized consulting team while offering a broad range of advisory, brokerage, and insurance solutions.

Garrett Cioffi is a Financial Advisor at Merrill Lynch Wealth Management based in Columbia. He serves as a trusted partner to business owners, highly-compensated employees and executives, and families seeking personalized wealth management. Garrett approaches wealth management through an evidence-based framework, providing comprehensive guidance across investment management, financial planning, trust and estate considerations, and tax-efficient wealth strategies. He has built his practice on data-driven wealth strategies, leveraging the resources and depth of Bank of America & Merrill. Garrett frequently collaborates with clients' CPAs and estate attorneys to ensure financial strategies align with their overall objectives. He works closely with medical professionals, corporate executives, and high-net-worth families to address the complexities of wealth accumulation, tax-efficient planning, risk management, retirement, and legacy planning. Garrett holds a Bachelor's Degree from Salisbury University and is a Personal Investment Advisor (PIA). He is a member of the Sigma Alpha Epsilon Fraternity. In his free time, Garrett enjoys running, golfing, football, reading, and watching movies.

Karah Helm is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2016. 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 offers model-based and discretionary strategies for a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Rufo is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. and Merrill since 2016. Outside of his advisory role, he owns Giglio Rosa, LLC, a company that manufactures and sells alternative-leather goods including wallets and women's handbags. 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, offering model-based and discretionary investment strategies for a range of individual and institutional investors.

Cathy Dawson is a Series 66-credentialed financial advisor with 20 years of industry experience. She has been with Morgan Stanley since 2009 and previously worked at Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved planning tools.

Michael Ford is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. His previous roles include positions at Bank of America, N.A. and Merrill. RBC Wealth Management serves a diverse client base ranging from individual investors to institutions and offers a variety of advisory programs with customizable portfolio management and investment options. The firm integrates multiple investment managers and emphasizes a range of services including financial planning, custody, and brokerage.

Clifford Andersson is a financial advisor with Merrill, holding Series 63 and Series 66 registrations and bringing 27 years of industry experience. He has worked at Bank of America, Merrill, MML Investors Services, and MassMutual. He serves as a board member for Mount Calvary Catholic Church in Baltimore, where he oversees various operational and compliance matters. 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, offering model-based and discretionary investment strategies and support for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Philip Defelice is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 65 and Series 63 licenses and has worked previously at Wells Fargo Securities and Divine Lifestyle Group. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, and institutional entities. The firm utilizes model-driven investment implementation, offers access to third-party asset managers, and provides various financial planning and consulting services.