William Peacock is a financial advisor at Merrill with 10 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior roles include positions at Suntrust Advisory Services and Suntrust Investment Services before joining Merrill and Bank of America in 2018. 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.

Michael Baldecchi is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. His prior experience includes roles at Bank of America, N.A., and various positions outside finance such as at Atlas Container Corporation and Chesapeake Orthopedic & Sports Medicine Center. 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 for individuals, high-net-worth clients, and institutional accounts.

Richard Pencek is a CFP® with 22 years of industry experience, currently affiliated with LPL Financial. He previously worked at Grove Point Investments, LLC and Grove Point Advisors, LLC for four years, and spent 17 years at H. Beck, Inc. Outside of his advisory work, Pencek is involved in artistic and musical pursuits through a personal venture called FatherTime. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by both proprietary and third-party research and portfolio management options.

Kevin Jackson is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and six years of industry experience. He previously worked at M&T Bank for 19 years before joining Morgan Stanley in 2019. He serves on the board of directors for DIW Group, Inc., a geotechnical engineering company, where he participates in executive compensation, compliance, legal issues, and financial oversight. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer offering a range of advisory programs to individuals and institutions, providing financial planning and wealth management services supported by firm-approved tools and analysis methods.

Brad Young is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. Prior to joining OSAIC in 2025, he worked for Lincoln Financial Advisors Corporation for 23 years. Outside of his advisory role, Young serves as an instructor teaching finance, economics, and markets at Mt. St. Mary’s University, and he is an elected member of the Frederick County Council. He is also a board member of the nonprofit organization I Believe In Me. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers. The firm offers integrated brokerage and investment advisory services, using various tools and third-party platforms to construct diversified portfolios tailored to client needs.

Jacob Griffith is a financial advisor with RBC Capital Markets in Frederick, MD, holding Series 63 and Series 65 credentials and 25 years of industry experience. He worked at Arrow Investment Advisors, LLC from 2006 to 2020 before joining RBC Capital Markets in 2021. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services. The firm customizes strategies based on client risk profiles and offers a mix of in-house and third-party investment managers and model providers.

Laura Johnson is a CFP® professional with 27 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2016. She owns Hummingbird Wealth Management LLC and is a Certified Divorce Financial Analyst involved in divorce financial counseling. Additionally, she holds leadership roles in several organizations, including serving as chairman of Second Chances Garage and president of Jeep Fest for Charity, Inc. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, and retirement plan advisory services to a diverse client base, including individuals, pension plans, and charitable organizations. The firm offers tailored investment strategies through a network of independent financial professionals utilizing various platform arrangements and both proprietary and third-party model strategies.

Drew Mc Clair is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in helping professionals and families develop clear, confident, and tax-smart retirement plans. As a Certified Investment Management Analyst® (CIMA®) and Personal Investment Advisor (PIA), Drew brings advanced investment training and disciplined portfolio construction to his advisory relationships. His expertise covers a broad range of client focus areas including college education planning, employee benefits planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, portfolio management services, women and wealth, tax minimization, and retirement income. Drew emphasizes building advisory relationships based on clarity, communication, and trust while simplifying complex financial topics into actionable steps. Drew holds a High School Diploma from Huntingtown High School. Outside of his professional work, he enjoys adventure sports, cooking, hiking, music, skiing, swimming, traveling, and spending time with his family.

Regis Larkin is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 designations and bringing 40 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2017 and previously worked at RBC Capital Markets from 2009 to 2017. Outside of his advisory work, he is a partner in Larkin Dental Health LLC, a healthcare-related business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Kevin Moore is a financial advisor with Cambridge Investment Research Advisors in Frederick, MD, holding a Series 66 designation and eight years of industry experience. Prior to joining Cambridge, he worked at the U.S. Army Medical Research Acquisition Activity. Outside of his advisory role, Moore is involved in several community organizations, serving as a board sergeant at arms for the Rotary Club of Carroll Creek and holding committee and board positions with Habitat for Humanity of Frederick County, Federated Charities, and Goodwill Industries. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals, providing both discretionary and non-discretionary strategies and combining proprietary models with access to unaffiliated strategists.

Beth Linton is a financial advisor with LPL Financial in Frederick, MD, holding a Series 66 designation and 15 years of industry experience. Prior to joining LPL Financial in 2025, she worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of her advisory work, she is a commissioned notary public. LPL Financial serves a diverse client base, including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and utilizes research and model portfolio strategies to support its services.

James Cholet is a financial advisor with Morgan Stanley in Frederick, MD, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved with an estate-related business based in Hanover, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs, including tailored financial planning supported by firm-approved tools and strategies developed by its Global Investment Committee.

Melinda Wise is a financial advisor at RBC Capital Markets with 11 years of industry experience. She holds the Series 66 designation and has worked at RBC Capital Markets since 2020, following a five-year tenure at Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs and tailors investment strategies based on each client’s risk profile, utilizing both in-house and third-party investment managers.

John Murphy Jr. is a financial advisor at Stifel with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Stifel Nicolaus & Co Inc since 2017, following prior roles at Bank of America and Merrill. Stifel serves a diverse client base including individual and institutional clients, offering brokerage and advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Jonathan Waters is a CFP® with 18 years of industry experience, currently affiliated with Mass Mutual Investors Services since 2017. He previously worked at MetLife Securities INC for a decade. Waters is also involved in renewable energy projects through his ownership of Bluewaters Solar, LLC. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational programs, focusing on collaborative annual planning engagements with a range of investment strategies.

Biodun Ayo Durojaiye is a financial advisor with Primerica Advisors in Frederick, MD, holding Series 63 and Series 65 credentials and having 10 years of industry experience. He has been with Primerica Advisors since 2015 and has worked with Primerica Financial Services since 2009. Outside of his advisory role, he serves as Vice President of the AWE Descendants Union of North in Damascus, MD. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited separately managed account options to individual and high-net-worth clients. The firm uses an independent due-diligence process to select asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Tyler Hornbecker is a financial advisor at Edward Jones in Boonsboro, MD, holding a Series 66 designation with eight years of industry experience. His work history includes roles at Edward Jones since 2018 and prior positions at First Data and several hospitality-related businesses. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

David Baker is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Edward Jones with eight years of industry experience. He worked for a decade at Gaithersburg Garage Door before joining Edward Jones in 2017. Outside of his advisory role, he hosts a podcast called Investment Biker, where he interviews individuals about their business or personality related to the motorcycle world. 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 services, including discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Thomas Lane is a financial advisor with Stifel who holds Series 63 and Series 65 registrations and has 42 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2012. Stifel serves a wide range of clients, including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group, supporting client decisions through financial planning and asset allocation guidance.

Richard Nisson Jr. is a financial advisor at Edward Jones with six years of industry experience. He holds the Series 66 designation and has worked at Edward Jones since 2019. His prior work includes a position at Solar Energy Services and experience in the hospitality sector. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.