Cedric Jones is a financial advisor at Merrill with five years of industry experience. He holds a Series 66 credential and has worked at Merrill and Bank of America since 2021. Prior to that, he held roles at Nissan of Bowie and Drivetime. 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 for individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Christopher Hicks is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith. He serves on the advisory board for Johns Hopkins Pediatric Oncology, a nonprofit focused on funding research to cure childhood cancers. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings tailored to client goals and risk tolerances.

John Davis is a financial advisor at Stifel with five years of industry experience. He holds the Series 66 designation and previously worked at Chapin Davis Investments and System Source Inc. before joining Stifel in 2023. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and planning analyses, with clients retaining discretion over implementation.

John Runge is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at Worthington Financial Partners, Nationwide Investment Services Corporation, and operated as a self-employed advisor. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customized investment strategies, utilizing both in-house and third-party managers, and provides comprehensive portfolio management, financial planning, custody, and brokerage services.

Juliette Smith is a financial advisor with Merrill in Columbia, MD, holding a Series 66 designation and 26 years of industry experience. She has been with Merrill Lynch since 1999. 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, charitable organizations, and corporate fiduciaries. The firm is integrated into Bank of America’s platform, providing access to a wide set of products and services beyond investment management.

Richard Nudelman is a CFP® with 24 years of industry experience. He is currently with Cetera and has previously worked at Avantax Advisory Services and 1ST Global Advisors. He is also the owner of Nudelman & Associates CPA’s LLC, providing accounting and tax services, and Columbia Financial Advisors, LLC. 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 providing discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Amanda Nickoles is a financial advisor with Merrill, holding a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2018 and previously spent ten years at Capital One Bank. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program. The firm offers a range of model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and various institutional accounts.

Karen Burkhart is a financial advisor with Ameriprise, holding the ChFC® designation along with Series 63 and Series 65 licenses. She has 30 years of industry experience, including prior roles at Janney Montgomery Scott, Wells Fargo Clearing, and USAA financial planning services. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves a broad client base with a range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

William Young is a financial advisor with Ameriprise in Baltimore, MD, holding a Series 66 designation and over 21 years of industry experience. His prior roles include positions at Chalice Capital Partners, Niagara International Capital Limited, and H. Beck, Inc. Outside of his advisory work, he participates in podcasts and maintains a website focused on behavioral psychology, human nature, and the psychology of money, exploring topics such as heuristics, biases, and cognitive processes. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide customized, non-discretionary recommendations through a centralized consulting team.

Allen Myrowitz is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of his advisory role, he is involved in non-variable insurance activities. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Devon Gluck is a CFP® with nine years of industry experience and is currently affiliated with OSAIC. Prior to joining OSAIC, he worked at Lincoln Financial Advisors for eight years and at Maller Wealth Advisors for one year. He is also the owner and agent of Maller Wealth Advisors, Inc., where he offers a range of insurance products including accident and health insurance, annuities, and life settlement services. OSAIC serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of advisers and multiple advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing to develop portfolios that include a wide range of investment options.

Daniel Gounaris is a financial advisor with RBC Capital Markets in Baltimore, MD, holding Series 63 and Series 65 credentials and having 34 years of industry experience. His prior roles include positions at City National Bank, Bank of America, and Merrill. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs and tailors investment strategies to clients’ risk profiles using both in-house and third-party managers.

Ethan Needles is a Series 66 licensed financial advisor at Merrill with one year of industry experience. He has worked at Merrill since 2023 and has prior experience with Bank of America and DEXSTA Federal Credit Union. 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.

Kathryn Kelly is a financial advisor at Raymond James & Associates with two years of industry experience. She previously worked at Verdence Capital Advisors, Camden Property Trust, and Virginia Tech. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting services to a diverse client base, including individuals, institutional clients, and government entities, and is known for its integrated public finance capabilities and extensive affiliate network.

Daniel Anderson is a financial advisor at Merrill with 11 years of industry experience and holds a Series 66 designation. He has been with Merrill and Bank of America since 2009. 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 individuals, high-net-worth clients, pension plans, charities, and corporate fiduciaries. The program includes various investment options implemented by Managed Account Advisors LLC and affiliated managers, supported by Merrill’s Chief Investment Office.

Jason Powell is the Vice President and Branch Leader at Fidelity Investments, where he oversees support for associates and clients in the Towson territory. He has held this leadership role since 2011, focusing on helping clients achieve their financial goals and supporting his team's development. Mr. Powell's career spans over two decades in the financial services industry, with previous roles at Fidelity Investments including Assistant Branch Office Manager. Prior to joining Fidelity, he held multiple positions at T. Rowe Price, such as Branch Manager, Assistant Branch Manager, Investment Counselor, and Investment Services Representative. His experience encompasses branch management and investment counseling. Outside of his professional responsibilities, Jason Powell enjoys biking, camping, skiing, and participating in family activities. He is also involved in volunteering in his community.

Connor Brandeen is an Investment Consultant at Fidelity Investments, where he focuses on helping clients plan for a broad range of financial goals. He emphasizes building strong, personalized relationships to understand each client's unique story and develops tailored financial strategies and plans aligned with their individual circumstances and retirement aspirations. Connor's professional experience includes roles as an Investment Consultant at Fidelity Investments beginning in 2024, Financial Advisor at UBS Financial Services in 2024, and Internal Retirement Consultant at Allianz Life Financial Services from 2021 to 2023.

Marija Wade is a Series 66-licensed financial advisor with Merrill, based in Baltimore, MD, and has 10 years of industry experience. She has been with Merrill since 2015 and concurrently associated with Bank of America, N.A. since 2016. Merrill provides managed account services through the Select Portfolio Solutions program to a broad range of clients, including individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates model-based, discretionary, and tax-aware investment strategies with access to Bank of America’s corporate platform and related services.

D. Clarke Browne is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2013, he has focused his practice on assisting corporate executives, business owners, wealthy families, and retirees, while also providing fiduciary services for corporate retirement plans. Clarke’s approach begins with developing a comprehensive financial strategy grounded in personal balance sheet and cash flow analysis, followed by customized investment strategies that balance potential returns and risk. He emphasizes ongoing client reviews to account for market fluctuations and life changes impacting financial goals. Clarke has worked in the financial services industry since 2008. His expertise includes corporate executive services, investment consulting for defined contribution plans, legacy planning, portfolio management, and retirement income planning. He supports plan sponsors with fee evaluation, investment selection, plan design, and employee education related to corporate retirement plans. Clarke holds several professional certifications: Certified Private Wealth Advisor® (CPWA®), Certified Investment Management Analyst® (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). The CPWA® and CIMA® certifications were completed in conjunction with The University of Chicago Booth School of Business and The Wharton School at the University of Pennsylvania, respectively. He earned a bachelor's degree in history from Augsburg College and a Master of Business Administration from Montreat College. Clarke also holds a master's degree from Hazelden Graduate School of Addiction Studies. Outside of his professional work, he enjoys cooking, fishing, golfing, hiking, music, running, and spending time with his family.

Lisa Vetter is a financial advisor with RBC Capital Markets in Hunt Valley, MD, holding a Series 66 designation and 23 years of industry experience. She has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers to tailor strategies to client risk profiles.