Andrew Garrett is a financial advisor at Cetera with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Avantax Investment Services and 1st Global Capital Corp. Outside of his advisory role, he serves as a trustee for a 401(k) plan and is involved with WABC Wealth Management Services. 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 with various portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.

Mark Sauder is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management in Columbia, Maryland. He has over 20 years of experience in the financial industry, focusing his practice on providing advanced planning services for entrepreneurs and business owners. His expertise includes working closely with clients' tax and legal advisors to alleviate risk, execute tax strategies, and organize trust and estate structures. Mark offers a variety of services, including access to Bank of America cash management, lending, trust and estate services, retirement planning, investment strategies, and succession planning. His approach helps clients manage daily business cash flow needs, protect their companies and employees, and plan for wealth transfer and business succession. He is a Personal Investment Advisor (PIA) and a member of several professional organizations, including the Baltimore Estate Planning Council, Exit Planning Exchange, Howard County Estate Planning Council, Maryland Association Corporate Growth, and Maryland Association of Certified Public Accountants. He holds a bachelor's degree from Indiana University of Pennsylvania and attended the Milton Hershey School. Outside of his professional work, Mark has personal interests in cooking, golfing, and reading. His philosophy emphasizes connecting life and finances to carve a clear path forward for clients pursuing their goals.

John Kernan is a financial advisor at Merrill with seven years of industry experience. He holds the Series 65 and Series 66 licenses and has worked previously at Hardesty Capital Management from 2008 to 2022. Kernan is currently based in Lutherville, MD. 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 with model-based and discretionary investment strategies.

Joseph Fink is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and possessing 11 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2022 and was previously with Lincoln Financial Distributors from 2015 to 2022. Fink serves as a board member of the Park School of Baltimore Alumni Association and is co-trustee of the Fink Family Estate. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, emphasizing tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers both direct client services and Corporate Financial Planning agreements.

Connor Balea is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Prior to joining Merrill, he worked in various roles including at Guidos Burritos and Towson 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, and institutions.

Russell Staley is a financial advisor with Equitable Advisors in Columbia, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. Outside of advisory work, he serves as a cash solicitor for Cornerstone Advisory LLP and is a notary public in Maryland. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension plans, corporations, and charitable organizations. The firm’s approach involves assessing client information and risk tolerance to match clients with appropriate investment programs, using a combination of proprietary and third-party asset management solutions.

Jonathan Wang is a financial advisor with Cetera Investment Advisers LLC and holds a Series 66 designation. He has 14 years of industry experience and has worked with firms including Merrill, Wells Fargo Clearing, HSBC Bank USA, and SunTrust. Cetera Investment Advisers LLC is a national SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Joel Galligan Stierle is a financial advisor with Ameriprise in Bel Air, MD, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its predecessor entities since 2005. Outside of advising, he is the owner of Galligan-Stierle Management LLC, which manages his Ameriprise business. Ameriprise offers retirement-income planning services designed for individuals nearing or in retirement who meet specific asset criteria, providing detailed recommendation reports on income sources and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic tools to support its advisory process while offering a broad range of advisory, brokerage, and insurance solutions.

Jeanine Norris is a financial advisor at Morgan Stanley with 27 years of industry experience and holds a Series 66 designation. She has worked with Morgan Stanley Smith Barney LLC since 2010 and was previously with Morgan Stanley Private Bank, N.A. from 2015 to 2017. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning and estate planning strategies. The firm employs a structured planning process using firm-approved tools and offers a broad selection of investment and trading services.

Deion Boateng is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and previously worked at Westfield Bank and Ghisallo Capital Management. His background also includes roles outside finance, such as working for Uber Eats and Robert Half. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts. The firm combines non-discretionary advisory services with access to affiliated discretionary portfolios and offers a centralized structure for advisory, brokerage, custody, and cash management services.

Terry Morris is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Primerica Advisors, he worked at PFS Investments Inc. and spent over three decades at the U.S. Department of Agriculture. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Diane Muhler is a financial professional with 33 years of industry experience, currently affiliated with Cetera. She holds Series 63 and Series 66 designations. Her prior work includes roles at Securian Capital of the Chesapeake, SunTrust Advisory Services, and Minnesota Life Insurance Co. Outside of financial advising, she works as an electrical sales associate at Home Depot and serves as a notary public. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with various discretionary and non-discretionary program options.

Megan Breneman is a financial advisor with Wells Fargo Clearing based in Columbia, MD. She holds Series 63 and Series 65 licenses and has 23 years of industry experience, including eight years at M&T Securities, Inc. prior to joining Wells Fargo in 2016. 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 employs more than 14,000 financial advisors, offering both brokerage and advisory solutions.

Brian Gleeson is a financial advisor with Merrill located in Towson, MD. He holds Series 63 and Series 65 designations and has 32 years of industry experience. Brian has been with Merrill since 2009 and has also worked at Bank of America, N.A. since 2011. 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 strategies constructed by internal and third-party managers, serving a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Horton is a CFP®-designated financial advisor with seven years of industry experience. He is currently with Cetera and has previously worked with Avantax Advisory Services and other related firms. Outside of his advisory role, he is involved as a partner in Rowhouse Financial Partners, providing tax preparation, planning, and accounting services. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with access to model portfolios, third-party managers, and customized strategies, managing over $256 billion in assets through more than 10,000 advisors nationwide.

Noah Bergey is a Series 66-licensed financial advisor with Equitable Advisors, based in Columbia, MD. He has one year of industry experience and joined Equitable Advisors in 2024. Prior to his advisory role, his work history includes positions in the food service industry and education. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm utilizes a range of third-party advisory programs and focuses on matching clients to appropriate investment models based on their risk tolerance and personal information.

Drew Bonner serves as a Wealth Management Advisor at Merrill Lynch Wealth Management, a position he has held since 2014. Prior to joining Merrill Lynch, he worked with the FBI investigating Healthcare Fraud. He holds a Bachelor's Degree from Towson University and is certified as a CERTIFIED FINANCIAL PLANNER® by the Certified Financial Planner Board of Standards Inc. In addition, Drew has earned the designations of Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Drew's areas of expertise include college education planning, divorce transition planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and retirement income. He communicates in English and Spanish. Outside of his professional work, Drew is involved in community activities such as Habitat for Humanity and the Maryland Food Bank. His personal interests include basketball, boating, bowling, cooking, fishing, football, golfing, soccer, and spending time with his family.

Griffin Pitarra is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. His work history includes roles at Coppermine: Copper Union and Hayfields Country Club. Equitable Advisors serves individuals across a range of wealth levels, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing both firm-offered programs and third-party asset managers.

Joshua Schwartz is a financial advisor at Merrill with 20 years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2006 and Bank of America, N.A. since 2011. Schwartz serves as a power of attorney in fiduciary roles for family members. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Troy Broadbent is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with several major firms, including Morgan Stanley, E*Trade Securities, PNC Investments, and Kestra Advisory. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program structure.