Donna Lail is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63, 65, and 66 credentials and has worked at Merrill since 2017. Prior to Merrill, she was employed at M&T Bank and Bank of America. 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 a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Aiman Alosta is a Financial Advisor at Merrill Lynch Wealth Management, specializing in personalized wealth management strategies tailored to clients' unique financial goals and aspirations. With over 20 years of experience, Aiman provides ongoing guidance and advice to high net-worth individuals and businesses, focusing on areas such as college education planning, equity compensation services, family wealth management, personal retirement planning, tax minimization, and retirement income. He is adept at analyzing complex financial situations and implementing strategies designed to streamline finances and pursue clients' objectives. Aiman holds a Bachelor's Degree from George Mason University and holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Fluent in English and Arabic, he works to help clients define what matters most to them and build flexible strategies aligned with today’s changing market conditions, integrating investment insights from Merrill and banking solutions from Bank of America. Outside of his professional work, Aiman enjoys adventure sports, bowling, horseback riding, music, and watching movies. He also values spending quality time with his children and supporting their sports and fundraising activities.

George Littrell III is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2010. Littrell serves on the board of directors for Specialized Engineering, Inc., contributing to officer compensation and strategic planning committees, and is a board member of Frederick Health, where he serves on both the finance and investment committees. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through various financial planning and investment strategies.

Ryan Main is a financial advisor with Morgan Stanley Wealth Management, holding Series 63, 65, and 66 licenses and bringing 29 years of industry experience. His prior roles include positions at Charles Schwab and Optionsxpress, Inc. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Josephine Hoffman is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been involved in the investments industry since 2003 and joined Merrill Lynch in 2005. In her role, Josephine collaborates with individuals and businesses to pursue their financial goals, utilizing the banking services of Bank of America and Merrill’s investment resources to tailor investment strategies based on clients’ risk tolerance and objectives. Josephine holds a Bachelor of Science degree in Marketing with a minor in Finance from Pensacola Christian College and earned a Master’s Degree in Management and Leadership from Liberty University. She has attained several professional designations, including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her areas of expertise include personal retirement planning, legacy planning, special needs planning strategies, services for endowments, foundations, non-profits, managing new wealth, women and wealth, and retirement income. Beyond her professional responsibilities, Josephine is active in her community through volunteer work with organizations such as Frederick Baptist Church and The Scott Key Center. She is a member of The Scott Key Center and the Merrill Special Needs Network, supporting families of children with disabilities. Outside of work and community service, Josephine enjoys spending time with her husband and two daughters, engaging in outdoor activities like camping, hiking, and photography.

Christopher Sarlo is a financial advisor with LPL Financial based in Frederick, MD. He holds a Series 66 designation and has six years of industry experience, including a decade at TD Wealth prior to joining LPL Financial. His other business activity includes involvement with Life Sciences Wealth. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory and brokerage services supported by research, model portfolios, and both discretionary and non-discretionary management options.

Edith Wennick is a financial advisor at Merrill with 40 years of industry experience. She holds the Series 63 designation and has been with Merrill since 1984, also affiliated with Bank of America since 2009. Outside of her advisory role, she serves as president of the North Point Condo HOA in Ocean City, Maryland. Merrill provides managed account services to Bank of America fiduciary clients through its 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.

Jeremy Kramer is a Senior Financial Advisor at Merrill Lynch Wealth Management and a member of The Wennick Kramer Group. He specializes in working with high-net-worth individuals, families, and business owners, providing services tailored to help them pursue their financial goals through a goals-based wealth management approach. Jeremy and his team focus on family wealth management strategies, personal retirement planning, portfolio management services, and supporting women and wealth. Jeremy began his career in financial services in 2007 and joined Merrill as a Financial Advisor in 2015. His professional experience is informed by over eight years as a volunteer EMT, which shapes his approach to financial advising by emphasizing preparation for unexpected events. His advisory process integrates investment management, risk mitigation, and forward-looking planning to help clients protect and grow their wealth. He holds a Bachelor's degree from the University System of Maryland and has earned professional designations including the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Jeremy is fluent in English and Hebrew. In his personal time, he enjoys baseball, golfing, racquetball, skiing, spending time with his family, and traveling. He is also committed to community involvement through volunteer work.

Danielle Thibault is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing over 25 years of experience in financial and wealth management. She provides wealth management and planning services primarily to clients in Northern Virginia, Washington D.C., and Maryland, with additional clients across various states. Danielle focuses on areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, portfolio management, women and wealth, and retirement income. Before joining Merrill Lynch in February 2020, Danielle served as a Financial Advisor at LPL Financial and was Director of Wealth Strategies at Capital One Financial Advisors. Her career began at Chevy Chase Financial Services. With extensive experience in both financial planning and investment management, she has created financial plans for high net worth clients and led managed money efforts at a national bank. Danielle holds a Bachelor's Degree from the University of Maine System and is a CERTIFIED FINANCIAL PLANNER® and Personal Investment Advisor (PIA). She volunteers with Platoon 22, an organization dedicated to educating the community on PTSD and veteran and first responder suicide, supporting efforts in her home community of Frederick, Maryland. Outside of work, Danielle enjoys boxing, hiking, skydiving, and spending time with her family.

John Norberg is a CFP®-certified financial advisor with eight years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2023, he worked at Edward Jones for five years and has experience in the restaurant and solutions sectors. Outside of his advisory role, he has been involved with Norberg Wealth Management and serves as a Colonial Life insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Elizabeth David is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. She currently works at Edward Jones, where she has been since 2023, and previously spent 16 years at Blue Heron Financial Group, formerly affiliated with LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Peter Loysen is a financial advisor with Edward Jones in Frederick, MD, holding a Series 66 designation and 18 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Anneliese D'souza is a CFP® professional with 28 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2005. She holds Series 63 and Series 65 licenses and operates as a sole proprietor through D'Souza Financial Strategies. Outside of her advisory role, she volunteers at Saint Katherine Drexel Church. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered via a network of independent Financial Professionals using a range of discretionary and non-discretionary investment platforms and strategies.

Glenn Hain serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads the Hain Dailey Team, providing personalized advice and guidance to help clients design and implement customized wealth management strategies. The team focuses on simplifying the complexities of financial life to help clients achieve their financial goals. With over 22 years of experience in the financial services industry, Glenn has expertise in corporate benefits, executive compensation, retirement and legacy planning, tax minimization, and services for endowments, foundations, and non-profits. His credentials include the Chartered Financial Consultant® (ChFC®), Chartered Retirement Plans Specialist™ (CRPS™), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA) designations, equipping him to navigate complex financial products and tailor strategies to unique client needs. Glenn holds a Master's Degree from Frostburg State University and a Bachelor's Degree from Mainsfield University. He is actively involved in community organizations such as the Blue Collar Project, Boys & Girls Club of Frederick County (where he served as past board chair), and the Rotary Club of Frederick, MD. Outside of his professional commitments, Glenn enjoys gardening, golfing, ice hockey, woodworking, and spending time with his family.

Jeffrey Cantrell is a financial advisor with Cetera, holding the ChFC® designation and Series 66 license, with 27 years of industry experience. He has been associated with Cetera and its related entities since 2013 and is also a partner at Bowman Gaskins Financial Group. Outside of advising, he is an independent insurance agent specializing in disability, fixed annuities, life, accident, health, and long-term care insurance. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Rae Schoenberg is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Rae Schoenberg earned a Bachelor's Degree and a Master of Business Administration (MBA) from the University System of Georgia. Her credentials and education support her work in providing wealth management and retirement consulting services.

Marcus Glover is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Glover is based in Frederick, MD. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling to support its financial planning process.

Jennifer Johnson is a CFP® professional with 27 years of industry experience. She has been affiliated with Cambridge Investment Research Advisors and Cambridge Investment Research Inc. since 2013. Johnson also owns JLJ Financial and Jennifer L. Johnson, LLC, through which she has been involved in selling and servicing life and long-term care insurance products. In addition, she has a role in an audio-video design and installation business. Cambridge Investment Research Advisors is a large SEC-registered firm that serves individuals, retirement-plan sponsors, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services. The firm offers both proprietary and unaffiliated investment strategies, with flexible portfolio management options across multiple platforms tailored to client objectives.

Frank Pinto is a financial advisor with Edward Jones in Waynesboro, PA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at PHEAA from 2009 to 2022. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large national network of financial advisors and branch offices.