Zachary Green is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has been with Merrill since 2016. Outside of his advisory role, he works part-time with the Maryland Jockey Club, assisting in coordination and preparation for the Preakness Stakes. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Sean Monaco is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and has worked previously at Raymond James Financial Services, Atlantic Fireproofing, and Genesis Healthcare. Based in Baltimore, MD, he has been with Merrill since 2022. 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.

Jenienne Fagan is a financial advisor with LPL Financial in Baltimore, MD, holding Series 63 and Series 66 designations and bringing 34 years of industry experience. She has worked at LPL Financial since 2021 and has been with M&T Securities since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various financial planning and advisory programs, utilizing both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Matthew Alpert is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes a decade at Wells Fargo Clearing and Wells Fargo Advisors. He is currently based in Towson, MD. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, managing over $256 billion in assets.

Brian Doak is a financial advisor with UBS Financial Services in Hunt Valley, MD. He holds Series 63 and 65 licenses and has 31 years of industry experience, including 18 years at UBS. He serves as a board member for St. Paul's School, his alma mater. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services that include financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment strategies.

Christopher Yanson is a financial advisor with Raymond James Financial in Towson, MD, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He is the owner of Armory Financial and has been involved with Gregmark, LLC since 2013. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, institutions, and charitable organizations, using analytical tools and tailored, non-discretionary planning to support client goals.

Levi Bean is a financial advisor with OSAIC, holding a Series 66 credential and seven years of industry experience. Prior to joining OSAIC in 2025, he spent eight years with Lincoln Financial Advisors and six years at Mount St. Mary's University. Outside of his advisory role, he coaches a youth ice hockey team and works as an employee producing sharp edge tester caps. OSAIC serves a diverse range of clients including individual, high-net-worth, institutional, and charitable organizations, offering integrated brokerage, advisory services, and access to multiple investment platforms. The firm employs asset-allocation tools and supports various portfolio management approaches, including discretionary and non-discretionary accounts with client-imposed investment restrictions.

Mark Schulze is a financial advisor at Morgan Stanley with a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley since 2017, including seven years at Morgan Stanley Private Bank, N.A., and has prior experience at Park Avenue Securities, LLC and Guardian Life Insurance Co. of America. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate structured discovery and modeling tools but generally does not provide individual security recommendations as part of standalone plans.

Kevin Brandel is a Wealth Management Advisor and Senior Portfolio Advisor with Merrill Lynch Wealth Management in the Towson, MD office. He is a CERTIFIED FINANCIAL PLANNER® practitioner who builds personalized financial strategies tailored to the unique needs of families and individuals. Kevin manages custom investment strategies on a discretionary basis, selecting from a range of Merrill model portfolios and third-party investment strategies. Kevin earned his bachelor's degree in Finance and Marketing from the University of Kentucky in 2013. He completed the Financial Planning Certificate Program at Bryant University and earned the CERTIFIED FINANCIAL PLANNER® certification in 2019. He also holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He resides in Sykesville, MD with his wife Kristen and their two sons, Shane and Grant. Outside of work, Kevin spends time with his family and enjoys golfing. He is a member of the Carroll County Chamber of Commerce.

Charles Koras is a Series 66 credentialed advisor with Morgan Stanley in Lutherville, MD, beginning his industry career in 2025. Prior to joining Morgan Stanley, he worked at St John Properties and held roles at the University of Maryland College Park and Loyola Blakefield. Outside of finance, he is involved as an assistant coach with Predators Lacrosse, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Alan Brennan is a Series 66-licensed financial advisor with Equitable Advisors, based in Columbia, MD. He has one year of industry experience and previously worked at the Henry M. Jackson Foundation for six years. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Madison Rexford is a financial advisor at OSAIC with seven years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and The University of Tampa. OSAIC serves a diverse client base including individual investors, retirement plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, using a range of asset-allocation tools and third-party platforms to construct portfolios across various asset classes.

Adam Grzybowski serves as Senior Resident Director at Merrill, leading the Hunt Valley office and working directly with clients. With more than 25 years of experience in the financial services industry, he began his career as a Financial Advisor at a large financial institution before joining Merrill Lynch Wealth Management in 2005. Adam’s areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. He holds the Accredited Asset Management Specialist™ designation from the College for Financial Planning Institutes Corp., as well as the Personal Investment Advisor (PIA) designation. A native of the Baltimore area, Adam earned a Bachelor's degree from West Virginia University and a Master’s of Business Administration from The University of Baltimore. Outside of work, he enjoys boating, fishing, and spending time with his family, including his wife, Kristy, and their three daughters.

John Gibson Jr. is a CFP® with 31 years of experience in the financial services industry, currently associated with LPL Financial since 2023. His prior roles include positions at Fulton Bank, Raymond James Financial Services, and M&T Securities. In addition to his advisory work, he serves as a notary in Annapolis, MD. 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 financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Young Hwang is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and 37 years of industry experience. He has been with Equitable Advisors since 1999, previously associated with AXA Advisors, LLC until 2020. Outside of his advisory role, he is involved in an insurance brokerage business. Equitable Advisors serves a broad range of clients, including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and various asset management programs. The firm utilizes third-party asset managers and advisory programs to tailor investment strategies based on client risk tolerance and objectives.

Bryan Bosmans is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC. Outside of his advisory role, he is the sole owner of Quickstar Productions LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options in its investment menus.

Benjamen Pickett is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and previously worked at Point Breeze Federal Credit Union, M&T Bank, and Aberdeen Proving Grounds Federal Credit Union. In addition to his advisory role, he serves as an executor for a family estate. 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 both model-based and discretionary investment strategies for a range of individual and institutional clients.

Charisma Greene is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials and three years of industry experience. Prior to her current role, she worked at J.P. Morgan Securities and JPMorgan Chase Bank. In addition to her advisory work, she is involved with NewLuc DMV LLC. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Colleen Schuler is a CFP® professional with 22 years of industry experience, currently affiliated with LPL Financial. Her prior roles include positions at Fulton Financial Advisors, Raymond James Financial Services, and M&T Securities. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party subadvisors, and technology-driven strategies.

Joel Margolis is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs and financial planning services supported by structured tools and modeling techniques.