Michael O'Connell is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in personal wealth management and financial strategies for business owners and high-net-worth families, as well as advisory and co-fiduciary management for qualified retirement plans. He works closely with clients to determine their needs and crafts customized financial strategies to help them pursue their goals. Since joining Merrill in 2003, Michael has worked with clients across more than 20 states, including business owners, physicians, and attorneys. His expertise includes advanced financial planning for cash flow, corporate 401(k) plans, asset and liability management, retirement strategies, risk management, estate planning services, and alternative investments. He holds several professional designations, including Certified Financial Planner (CFP), Certified Exit Planning Advisor (CEPA), Certified 401(k) Professional (CKP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Michael is a graduate of Loyola Blakefield and Villanova University. He is married to his wife Lauren, and they have four children. Outside of his professional responsibilities, he enjoys baseball, basketball, football, golfing, tennis, coaching youth sports, and spending time with his family.

Avraham Frand is a Financial Advisor associated with Merrill Lynch Wealth Management. He works closely with clients to understand their individual financial goals and develops personalized investment strategies to help pursue those goals. His advisory services cover a range of areas including equity compensation services, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from Towson University and has earned professional designations such as CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Avraham's approach involves ongoing advice and guidance tailored to his clients' evolving needs. Outside of his professional work, Avraham's personal interests include chess, football, hiking, ice hockey, rock climbing, running, skiing, spending time with family, swimming, and tennis.

William Cummins is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has 25 years of industry experience. He has worked with MetLife Securities Inc. and Metropolitan Insurance Co since 2000 and has been with Mass Mutual Investors Services since 2017. Outside of advising, he is involved with Joppa Energy Solutions LLC, a solar micro-grid company, where he studies solar benefits and visits the plant annually. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual planning engagements using firm-approved software and delivers written recommendations focused on investment categories and strategies.

James Matthews is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining the firm in 2010, he has worked closely with clients to understand their financial circumstances, concerns, and goals for themselves, their families, and their businesses. He assists in developing and implementing tailored wealth management strategies designed to address a variety of financial scenarios. James holds the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Certified Plan Fiduciary Advisor® designation. Additionally, he has earned the Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA) designations. He earned a Bachelor's degree from Johns Hopkins University. Outside of work, James has interests in football, golf, skiing, and spending time with his family.

Madison Smith is a financial advisor at Morgan Stanley with a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley, Madison held roles at OSAIC, MassMutual Life Insurance Co, and Fulton Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and advanced planning tools.

Brian Sokalski is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016, including seven years with Bank of America, N.A. No additional outside activities are noted. 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 offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Brown Jr. is a financial advisor at RBC Capital Markets with 28 years of industry experience. He holds the Series 63 and Series 65 licenses and has been with RBC Capital Markets since 2009. 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 customized advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Douglas Brandeen is a financial advisor with Wells Fargo Advisors in Baltimore, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wells Fargo Advisors since 2015. Outside of his advisory role, he is involved in managing NA 89, LLC, an investment-related business based in Baltimore. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients with investment and fee-based financial planning services. The firm offers a broad range of planning options and integrates advisory services with other financial products and referral channels.

Peter Miller serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined Venture Services Group in August 2012 and is primarily responsible for co-managing the team’s stock distribution process, coordinating market research and analysis dissemination, and assisting with fund level and limited partner level trading activities. Peter holds a Master of Science in Finance from the McIntire School of Commerce at the University of Virginia. He also earned a Bachelor of Arts with distinction in Economics and History from the University of Virginia. He holds the professional designation of Personal Investment Advisor (PIA). In 2023, Peter was recognized on the Forbes “Best-in-State Next Generation Wealth Advisors” list, which considers advisors based on factors such as client retention, industry experience, compliance records, and firm nominations.

Bryan Carney is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads a team of professionals focused on providing investment management and personalized financial advice to individuals and families. With over 30 years of experience in the industry, Bryan specializes in delivering customized guidance across multiple generations. He holds the Personal Investment Advisor (PIA) designation and earned a bachelor's degree from Mount St. Mary’s College. In 2019, Bryan was named to the Forbes "Best-in-State Wealth Advisors" list, based on a selection process that included industry experience, client retention, and compliance reviews.

Alan Vassar is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he serves as president of the Walker Station Homeowners Association and is a board member of the Ritz Condominium Association. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income sources and tax-aware withdrawal strategies.

Steven Goldberg is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations. Goldberg previously worked at Lincoln Financial Advisors and SunTrust Advisory Services. Outside of advising, he serves as a notary public. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisors, offering brokerage and investment advisory services alongside financial planning and retirement consulting. The firm utilizes various asset-allocation tools and third-party platforms to manage portfolios with a wide range of investment options.

Anthony Wiggan is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 licenses and bringing 36 years of industry experience. He has been with Raymond James & Associates since 2016. 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, institutional and pension plans, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Carter Chesney is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at UBS Wealth Management and Route 54 Watersports, and he has an academic background with five years at Salisbury University. 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.

Elizabeth Andrews is a financial advisor with Morgan Stanley Wealth Management in Hunt Valley, MD, holding a Series 66 license and bringing 17 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets starting in 2006. Outside of finance, Andrews has experience working in food service roles including banquet server and suite attendant positions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs emphasizing tailored financial planning supported by proprietary tools and analytical models.

Mark Averell is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 licenses and bringing 28 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. 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 advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Chad Eberly is a financial advisor at RBC Capital Markets with 15 years of industry experience. He holds the Series 66 designation and has worked at firms including SunTrust Advisory Services and City National Bank. He serves on the Board of Directors for the Churchville Soccer Club, a youth club soccer organization. RBC Wealth Management, a division of RBC Capital Markets, serves a broad range of clients including individuals, institutions, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles.

Richard Horn is a financial advisor with UBS Financial Services in Baltimore, MD, holding the Series 63, 65, and 66 designations and bringing 25 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, he serves on the board of directors for Living Classrooms and chairs the investment committee for Healthcare for the Homeless. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, providing tailored financial planning and portfolio management supported by proprietary research and capital market assumptions.

Troy Brewer is a financial advisor at Raymond James Financial Services Advisors, Inc. with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC. Brewer is also the owner and CEO of ClearPlan Wealth Management Inc., a support company based in Towson, MD. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers non-discretionary planning and investment consulting tailored to client goals, supported by analytical tools and a municipal advisor affiliation uncommon among large institutional advisors.

James Jaderborg is a financial advisor with Cetera holding the ChFC® designation and Series 66 license, with 16 years of industry experience. He has worked at multiple firms including Elevation View Wealth Partners, LLC, Cetera Wealth Services, LLC, and Securian Financial Services, Inc. Outside of financial advising, he serves on the advisory board of Stop Alzheimers Now and is president of Booking Freedom AI, LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with over $256 billion in assets under management.