Ana Geller is a financial advisor at Robert W. Baird & Co. with 26 years of industry experience. She has been with Robert W. Baird since 2009 and holds a Series 66 designation. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group provides consulting and portfolio services tailored to client goals and risk tolerances, utilizing a range of investment strategies and management approaches.

Cedric Jones is a financial advisor at Merrill with five years of industry experience. He holds the Series 66 designation and has worked at Merrill and Bank of America since 2021. Prior to this, he was employed in the automotive industry. 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 and serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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 Runge is a financial advisor at RBC Capital Markets in Baltimore, MD, with 25 years of industry experience. He holds Series 66 and Series 63 licenses and has prior experience with Worthington Financial Partners, Nationwide Investment Services Corporation, and as a self-employed advisor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers customized portfolio management and financial planning services, utilizing a range of proprietary and third-party investment strategies tailored to each client’s risk profile.

Juliette Smith is a Series 66-licensed financial advisor with Merrill in Columbia, MD, with 26 years of industry experience. She has been with Merrill Lynch since 1999. 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.

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.

Michael Patti is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. He was self-employed from 2015 to 2026 before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Amanda Nickoles is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and previously worked at Capital One Bank for ten years before joining Merrill 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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 the Series 63 and Series 65 credentials. Prior to joining LPL Financial in 2025, he worked at Grove Point Advisors and Grove Point Investments, and he also served as a consultant providing adult education. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and model portfolio programs, supported by a large network of investment adviser representatives.

Devon Gluck is a CFP® with nine years of industry experience, currently advising at OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and Maller Wealth Advisors for one year. Gluck is also the owner and agent of Maller Wealth Advisors, Inc., where he offers a range of insurance products including health, life, and disability insurance. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation, portfolio optimization, and offers both advisory and brokerage services across various programs.

Daniel Gounaris is a financial advisor at RBC Capital Markets with 35 years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Merrill, Bank of America, and City National Bank. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with customized portfolio management and integrates both in-house and third-party investment solutions.

Ethan Needles is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America and DEXSTA 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jonathan Aguilar Bernstein is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses. He has been with Wells Fargo Clearing since 2025 and has prior experience at Wells Fargo Bank, Rocket Mortgage, and several other organizations. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kathryn Kelly is a financial advisor with Raymond James & Associates holding Series 63 and Series 65 licenses and two years of industry experience. She previously worked at Verdence Capital Advisors, Camden Property Trust, and Virginia Tech. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers a range of financial planning and consulting services with a primarily non-discretionary approach, drawing on diverse portfolio management styles and affiliated research.

Daniel Kim is a financial advisor with Wells Fargo Clearing in Columbia, MD, holding Series 66 and Series 65 licenses and 21 years of industry experience. His prior roles include positions at HSBC Bank USA, N.A. and HSBC Securities (USA) Inc. from 2015 to 2021. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Daniel Anderson is a Series 66-registered advisor at Merrill with 11 years of industry experience. He has been with Bank of America and Merrill since 2009. 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.

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.

Marija Wade is a financial advisor at Merrill with 10 years of industry experience. She holds a Series 66 designation and has worked at both Merrill and Bank of America, N.A. since 2015 and 2016, respectively. Merrill 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 and profit-sharing plans, corporations, and charitable organizations.

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.