Kevin Turnock is a CFP® with 31 years of industry experience, currently affiliated with RBC Capital Markets in Annapolis, MD. His prior experience includes over a decade at Morgan Stanley in various private banking roles. Outside of his advisory duties, he is involved in family and personal real estate businesses, holding positions such as limited partner and general partner in several investment-related entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm provides tailored portfolio management and financial planning services through multiple advisory programs, leveraging both in-house and third-party investment managers to meet clients’ Advisory Risk Profiles.

Scott Sturley is a financial advisor with J.P. Morgan Securities in Clarksburg, MD, holding a Series 66 designation and 21 years of industry experience. He previously worked at UBS Financial Services for eight years before joining J.P. Morgan Securities and JPMorgan Chase Bank in 2019. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering its programs on a non-discretionary basis.

Dejan Vujinovic is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 15 years of experience in wealth management, sales, and finance to his role, focusing on helping clients achieve their financial goals through personalized strategies. Dejan collaborates closely with clients to develop flexible financial plans that respond to changing market conditions and provide access to Merrill's investment insights alongside Bank of America's banking and lending solutions. Dejan holds a Master's Degree and a Bachelor's Degree from University Paris XII. He has earned professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluency in Serbo-Croatian, French, and English enables him to serve a diverse client base. Committed to community engagement, Dejan participates in local volunteer activities inspired by Merrill Lynch’s tradition of community service. Outside of his professional duties, he enjoys basketball, reading, soccer, and traveling.

Scott Morgenthaler is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2015. Outside of his advisory role, he is involved with 318 Placido Place LLC. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Paula Gutierrez is a financial advisor at Merrill with six years of industry experience and holds a Series 66 designation. She has worked at Merrill since 2018 and previously spent time at TD Bank and Teavana. Outside of her advisory role, she works as a bartender one night a week at a restaurant/bar in Washington, DC. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Brooke Smith is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked at Primerica Financial Services, PFS Investment Inc., DiGi Financial, and the State of Maryland. In addition to advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Teresa Clasby is a CFP® professional with 20 years of industry experience. She has been a financial advisor at Morgan Stanley since 2018 and previously worked at Thrivent Financial and Thrivent Investment Management from 2013 to 2018. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutions, combining tailored financial planning with access to extensive investment resources and firm-approved planning tools.

Ryan Quigg is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 designation and five years of industry experience. His work history includes positions at RBC Wealth Management and RBC Capital Markets, as well as time spent in education and at the Baltimore County Revenue Authority. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Noah Sekowski is a financial advisor at J.P. Morgan Securities with a Series 66 designation and three years of industry experience. He has been with JPMorgan Securities LLC and JPMorgan Chase Bank, NA since 2022. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with additional market-facing registrations and functions, delivering services on a non-discretionary basis while clients retain final decision-making authority.

Robert Keefer is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has been with JPMorgan Securities LLC since 2013. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers advisory services alongside affiliated brokerage and investment management capabilities.

Mark Wardzinski is a financial advisor at Raymond James & Associates with 33 years of industry experience. He has been with the firm since 1993 and holds Series 63 and Series 65 credentials. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kim Caldwell is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in comprehensive financial planning and investment strategies for clients with complex financial profiles. He primarily advises ultra-high-net-worth families, senior executives, and business owners, focusing on areas such as tax minimization, executive compensation, family wealth management strategies, and portfolio management services. Kim holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Certified Private Wealth Advisor (CPWA). He earned a Bachelor of Science degree from the University of Maryland College Park. Since joining Merrill Lynch Wealth Management in 2007 following his work as an analyst with JMT Engineering, Kim has worked alongside The BFCP Group to deliver tailored wealth management solutions. He serves on the boards of the Terrapin Club and the Annapolis chapter of the University of Maryland Alumni Association. Kim resides in Severna Park, Maryland, with his wife and two children. His personal interests include biking, golfing, and hunting.

Gabriela Marchante is a financial advisor with Merrill holding a Series 66 designation and has been in the industry since 2019. Her prior positions include roles at Wells Fargo, Uber, and Navy Federal Credit Union. 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 diverse client base including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bezawit Dessyalew is a financial advisor with LPL Financial in Fort Washington, MD, holding Series 63 and Series 66 licenses and with six years of industry experience. Prior to joining LPL Financial, Dessyalew worked at HSBC Securities and Wells Fargo Bank. Outside of advisory services, Dessyalew is involved with Teo LLC, a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Sirak Teodros is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2012. Prior to this role, he worked as a Financial Advisor at Morgan Stanley Smith Barney from 2008 to 2012. His professional focus is on educating clients to develop tailored financial plans that align with their personal and family goals. Sirak holds a California Insurance License, supporting his advisory capabilities. Outside of his professional life, he has interests in golf and traveling.

Kenneth Barkman is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2012 to 2016. Barkman serves as a trustee for family trusts, dedicating time to managing investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Robert Faller III is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked at Equitable Advisors and in hospitality at Morton's The Steakhouse. Outside of finance, he continues to work part-time at Morton's The Steakhouse. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction. The firm manages discretionary and non-discretionary portfolios, serves multiple registered investment companies, and utilizes systematic methodologies and long-term asset allocation benchmarks.

Neil Schmerling is a CFP® and PFS™ professional with 26 years of experience in financial advising. He is currently with Cetera and has previously worked with Avantax Advisory Services and led his own firms, including Schmerling Financial Group and The Schmerling Group. Outside of his advisory work, he serves as president of Rodef Sholom Congregation, overseeing its operations alongside volunteers and staff. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Drew Weinberger serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in working with high-achieving professionals, including law firm partners, corporate executives, and business owners, focusing on the wealth accumulation and retirement phases of their careers. His expertise encompasses tailored financial strategies addressing retirement planning aligned with complex career trajectories, tax-efficient investment approaches, cash flow management during fluctuating income cycles, and estate and legacy planning. Drew and his team assist clients in navigating unique financial dynamics associated with leadership roles, aiming to provide personalized guidance for retirement preparation, liquidity events, and strategic financial management. Drew holds a Bachelor's Degree from the University of Maryland and professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is bilingual in English and Spanish and is involved with the West Windsor Volunteer Fire Company No. 1 Station 43. In his personal time, he enjoys activities such as fishing, football, hunting, music, skiing, soccer, and traveling.

Fay Brownlow is a financial advisor at Stifel with 33 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Stifel since 2015. Stifel serves a broad range of clients, including individuals, institutional clients, and municipal entities, offering 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 that support client decision-making.