Charlene Monts is a financial advisor at OSAIC with 31 years of industry experience. She holds the Series 63 and Series 65 licenses and has previously worked at Securities America and Investacorp Advisory Services. Outside of her advisory role, she is the President and CEO of Monts Enterprises LLC, a business consulting firm specializing in app development, real estate negotiations, technology solutions, and design. OSAIC serves a diverse range of clients including retail and institutional investors, offering brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios aligned with client risk tolerance.

Tricia Mauck is a financial advisor at Merrill with 25 years of industry experience and holds a Series 66 designation. She has been with Merrill since 1995. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ryan Mostoller is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior work includes roles at Bank of America, Chestertown River & Yacht Club, Medling Lucente & Associates, and Washington College. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Joanna Stout is a financial advisor at Merrill with five years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2020 and is currently associated with Bank of America, N.A. Outside of finance, her work history includes roles at L'Occitane En Provence. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Fuggi is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has been with Robert W. Baird since 2009. Fuggi serves as a Finance Committee Member for the nonprofit Mission Helpers of the Sacred Heart, where he reviews budgets, fundraising projects, and evaluates outside money managers. Robert W. Baird & Co.’s DDK Group provides wealth management services to individuals, corporate clients, pension and profit-sharing plans, and charitable organizations, offering a range of financial planning, portfolio management, and custody services supported by internal research and ongoing manager monitoring.

Jennifer Vancura is a financial advisor at OSAIC with 13 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corp for 15 years before joining OSAIC in 2025. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services through multiple platforms, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across a variety of asset classes.

Cooper Woest is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His background includes four years at Loyola University Maryland and involvement with the Dulaney Swim Club LLC. 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 clients.

Joel Fink is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He previously worked at Citigroup Global Markets before joining Morgan Stanley Smith Barney in 2009 and Morgan Stanley Private Bank in 2015. Fink serves as president of the board for the Associated Jewish Federation of Baltimore’s social service agency. Morgan Stanley Wealth Management provides advisory services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by its Global Investment Committee’s research and serves clients through both direct financial advisory and corporate agreements.

Jason Shanty is a financial advisor at Osaic with 16 years of industry experience. He holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corp for 18 years before joining Osaic in 2025. Outside of his advisory role, he is an insurance agent offering fixed insurance products such as fixed annuities, indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse clientele including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Georgeanne Aist is a financial advisor with LPL Enterprise and holds the Series 63, Series 65, and Series 66 designations. She has 24 years of industry experience with prior roles at Prudential Insurance Company of America, Pruco Securities, LLC, Lincoln Financial Advisors, and several other firms. Outside of her advisory work, she serves as a minister in Charlotte Hall, MD. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, high-net-worth clients, retirement plans, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, third-party asset management access, and insurance product facilitation through affiliated entities.

Kevin Grant is a financial advisor at Merrill with Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles at Bank of America and JPMorgan Chase Bank, among others. Outside of his advisory role, he owns A. C. LLC, a multimedia and creative content production business. 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.

Isabella Thomas is a financial advisor at Merrill with Series 65 and Series 66 licenses and seven years of industry experience. She has been with Merrill since 2018. Outside of her advisory role, she is also employed part-time with Rover, a dog sitting and dog walking service. 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, and institutional investors.

Noah Schettini is a CFP® professional at Cetera with eight years of industry experience. His prior roles include positions at Ameriprise, JPMorgan Securities LLC, JPMorgan Chase Bank NA, and PNC Bank NA. Outside of his advisory work, he is also involved as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Annette Quigley is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, Pruco Securities, Cetera Investment Services, and LPL Financial. She is also a business owner of Strategic Wealth Advisors LLC, a payroll company for a registered sales assistant she shares with another advisor. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a primarily model-driven investment approach, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers services such as financial planning, access to asset managers, and participation in wrap programs.

Kyle Hays is a financial advisor at OSAIC with a Series 65 designation and one year of industry experience. Prior to joining OSAIC and Heritage Financial Consultants in 2025, he was involved in a general contracting business for four years and completed five years of full-time education. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through an extensive network of affiliated advisers and offers integrated brokerage and advisory services, financial planning, and access to third-party money managers and wrap programs. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that include a variety of investment types and can be managed on discretionary or non-discretionary bases.

Johnathon Raver is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and modeling techniques.

Karin Mottus is a CFA® charterholder with 34 years of industry experience and has been with Stifel since 2007. She holds a Series 63 license and is based in Hunt Valley, MD. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm employs a proprietary investment strategy developed by its Investment Strategy Group to provide asset allocation and planning analyses.

Kevin Murphy is a financial advisor at Merrill with five years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Bank of America, N.A. and T. Rowe Price. Outside of finance, he was involved with the James Madison University Sport Club Council. Merrill serves a wide range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm’s investment approach includes multiple program strategies with client or advisor discretion and emphasizes tax-focused capabilities supported by its integration with Bank of America affiliates.

Colby Savadove is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He has held prior roles at UBS Financial Services from 2013 to 2022. In addition to his advisory work, he acts as a power of attorney for his mother. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients who meet certain net worth criteria, utilizing proprietary research and planning tools.

Khai Atkinson is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 15 years of experience in financial services within the Middle Tennessee area. He specializes in family wealth management strategies, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, individual and corporate investment strategy, tax minimization, and retirement income. Khai works closely with clients to develop personalized financial strategies that align with their long-term goals, ensuring they fully understand the recommendations and options presented. Khai holds a Bachelor's Degree from Auburn University and is a Personal Investment Advisor (PIA). He is committed to building and maintaining strong client relationships through accessible, knowledgeable, and experienced guidance. In addition to his professional role, Khai participates actively in community volunteer organizations, reflecting his dedication to the Merrill tradition of community involvement. Outside of work, he enjoys adventure sports, camping, fishing, golfing, hiking, photography, running, soccer, and spending time with his family.