Jennifer Yapsuga is a financial advisor at Mass Mutual Investors Services with Series 65 and Series 63 licenses. She has one year of industry experience, including positions at MassMutual Life Insurance Company and MML Investors Services, LLC, and previously worked at Morgan Stanley. Her background also includes seven years at Garrison Forest School and three years at Camp Skylemar. MML Investors Services, LLC 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 offers collaborative, annual planning engagements and educational seminars, with a range of investment and event-driven planning services.

Jeffrey Brown is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked for T. Rowe Price for five years and was briefly involved with GT Pizza. He has been with Merrill since 2017. Merrill, along 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 supported by internal and third-party managers for a range of clients including individuals, high-net-worth investors, and institutions.

Nancy Short is a financial advisor at Robert Baird & Co. in Towson, MD, with 40 years of industry experience. She has been with Robert Baird & Co. since 2009. Her credentials include Series 63 and Series 66 licenses. Robert Baird & Co. serves individuals, including high net worth clients, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services such as financial planning, discretionary and non-discretionary portfolio management, separately managed account programs, and brokerage services, supported by internal research and ongoing manager monitoring.

Blaise Ahearn is a financial advisor with UBS Financial Services in Hunt Valley, MD, holding a Series 66 designation and 12 years of industry experience. He has been with UBS since 2014. He serves on the board of directors for the Hampden Community Council, contributing to community projects. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets and banking offerings.

Jacob Biedenback is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at firms including Truist Advisory Services, BB&T, Wells Fargo Clearing, and Morgan Stanley. Biedenback serves as a board member of the Towson University Foundation, participating in the investment and spending committee. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting.

John Comberiate is a CFP®, ChFC®, and Series 66-licensed financial advisor with 14 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, he receives royalties related to work in Owings Mills, MD. Edward Jones is a full-service wealth management firm serving individuals and institutions, with over four million clients and $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Kristen Treglia is a financial advisor with Charles Schwab & Co., Inc. in Towson, MD, holding Series 63 and Series 66 designations and seven years of industry experience. She has worked previously at Fidelity Investments, Morgan Stanley, and T. Rowe Price, among others. Outside of finance, she is involved in golf instruction through her ownership of Kateyes LLC and teaching at the Columbia Association. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering a mix of non-discretionary and discretionary investment advisory services through its integrated wealth management platform.

Andrew Shaffer is a Certified Financial Planner® with nine years of industry experience. He is currently with OSAIC and previously worked at Lincoln Financial Advisors Corporation and Heritage Financial Consultants, LLC. His background includes soliciting clients for investment, securities, and annuity-related products under Heritage Financial Consultants. OSAIC serves a diverse client base, including individual investors, retirement plans, charities, and corporations, providing brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization. The firm is noted for its scale, recent consolidation activity, and a complex affiliate network supporting a wide range of investment programs.

Ryan Appleby is a financial advisor with LPL Financial, holding the CFP®, ChFC®, and Series 66 designations and bringing 22 years of industry experience. His prior work includes roles at M&T Securities and Hergenroeder Financial Advisors. He is based in Jarrettsville, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management options, utilizing both proprietary research and third-party strategies across discretionary and non-discretionary accounts.

Brian Dunne is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, Legg Mason Wood Walker, and T. Rowe Price Advisory Services. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad range of financial services through its extensive network of advisors.

Susan Sadler Woelper is a financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS Financial Services Inc. since 2009 and holds Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kathryn Hoyle is a CFP® professional affiliated with LPL Financial and has been with the firm since 2018. Her prior experience includes roles at Summit Financial, Apex Tool Group LLC, Rouge Catering, Seasons Pizza, and Towson University. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Erik Gundlach is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2013. 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 utilizes firm-approved tools and modeling techniques to support client decision-making.

Patrice Wells Sowah is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. She has worked with PFS InvestmentS Inc. since 2009 and was employed by the State of Maryland Department of Juvenile Services from 2008 to 2019. Her business activities include the sale of investment-related products and referral of home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Sharon Martin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 18 years of industry experience. She has been with Robert W. Baird & Co. since 2009. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and other institutional clients. The group provides tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and overlay strategies across a range of traditional and non-traditional investments.

Justin Mc Nicholas is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and eight years of industry experience. His career includes positions at Bank of America, N.A. and Merrill since 2018. Outside of finance, he has business experience with Homefix Custom Remodeling and Red Abbey LLC, along with involvement in Kipilin Farm. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines internal and third-party investment management with support for trading, account administration, and custody.

Jeffrey Evans is a financial advisor with Merrill based in Hunt Valley, MD, holding a Series 66 designation and 7 years of industry experience. He has been with Merrill since 2017. Outside of his advisory role, he manages several rental properties. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for a diverse range of clients including individuals, high-net-worth investors, and institutions.

Howard Schwartz is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018, following prior roles at U.S. Trust, Bank of America, and BB&T Investment Services. He is involved with The Community Foundation of Howard County through a donor-advised fund established by his family. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Kyle Harris is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and having 20 years of industry experience. He has worked at UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management, financial planning, and a range of capital markets services. The firm combines institutional trading capabilities with wealth management and uses proprietary research to tailor investment solutions.

Kevin Fusco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Raymond James since 2012. Outside of his advisory role, he serves as Vice President of Fusco Financial Associates, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors with various specialized programs and institutional services.