Nicholas Bennett is a financial advisor at Merrill with a Series 66 designation and five years of industry experience. He has worked at Merrill since 2020 and is currently affiliated with Bank of America, N.A. Outside of finance, Bennett works as a server and bartender at Costas Inn in Baltimore. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Eric Ross is a financial advisor with Primerica Advisors, holding Series 65 and Series 63 credentials and two years of industry experience. Prior to his advisory role, he served eight years in the U.S. Air Force. Ross is also involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, using model-delivery strategies managed by third-party asset managers.

David Huya is a financial advisor with Primerica Advisors in Parkville, MD, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has been with Primerica Advisors since 2014 and also has experience with Primerica Financial Services dating back to 2010. Outside of his advisory work, he is a self-employed Tai Chi instructor. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Ronald Murphy is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for eight years before joining Wells Fargo in 2018. 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 both brokerage and advisory solutions backed by research and analytics from Wells Fargo Investment Institute.

Scott Culiner is a CFP® designated financial advisor with 38 years of industry experience. He has been with Osaic since 2018 and previously worked at Signator Investors, Inc. for 31 years. He is also a licensed Notary Public in the state of Maryland. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers. The firm utilizes asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios across multiple asset classes.

Carla Carpenter Breeding is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has over 23 years of experience as a business owner and therapy practice specialist, which has equipped her with a thorough understanding of the financial needs of business owners and health care professionals. Carla’s expertise includes financing and growing practices, succession planning, employee benefits, and longevity planning that considers health, family, and home changes in relation to clients’ financial situations. Carla holds a Master's Degree from Shenandoah University and holds professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In 2017, she merged her practice with other advisors to create The AJC Group, bringing a combined experience of over 60 years in the financial services industry. In addition to her professional work, Carla is involved in her community through organizations such as Access Carroll, Taste of Carroll, and the worship team at Lifepoint Church. She resides in Westminster, MD, with her husband and children.

Kevin Reeg is a financial advisor with Cetera Wealth Services, LLC, holding a Series 66 credential and eight years of industry experience. His prior roles include positions at Edward Jones, The Huntington Investment Company, Citizens Bank, and Merrill. He is also involved with Kinnect Advisors, providing financial services, and works as an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options, including model portfolios, third-party managers, and custom strategies, managing over $256 billion in assets.

Robert Manankil is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Robert W. Baird since 2009. He is part of The DDK Group within Baird’s Private Wealth Management practice, which serves individuals, families, pensions, corporations, charitable organizations, and institutional clients through a range of consulting and portfolio services tailored to client goals and risk tolerances.

Asher Furst is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has worked previously at Bank of America and operated his own website, AsherFurst.com, for one year. His background includes roles in community and educational organizations such as The Voice of Lakewood, Kollel of Greenspring Inc., and Bais Medrash Toras Chesed. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Robert Rogers is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 44 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Adam Hawley is a financial advisor with Merrill in Towson, MD. He holds a Series 66 designation and has two years of industry experience. His prior work includes a position at Bath and Body Works in 2016. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm is integrated with Bank of America’s broader platform, providing access to a wide range of investment products and services.

Dale Waters Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Bank of America and Merrill. Waters is currently based in Hunt Valley, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory process.

Raymond Sheedy is a Certified Financial Planner® with 17 years of industry experience. He is currently with Morgan Stanley, having held prior roles at Merrill and Bank of America. His recent positions include working at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a broad range of advisory programs. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and models in its financial planning process.

Randall Becker is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 16 years of industry experience. He has worked at Prudential Insurance Company of America and Pruco Securities, LLC since 2015. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model portfolios, third-party asset management, and a range of brokerage and insurance products, utilizing an integrated platform that combines advisory programs with active sales of financial products.

Brandon Hepburn is a financial advisor with J.P. Morgan Securities in Baltimore, MD, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior work includes positions at Santander Securities and PNC Bank. Outside of his advisory role, he co-owns Pro Experience, LLC, a business focusing on web design and fitness and nutrition coaching. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and offers customized performance reporting through its Institutional Consulting Services program.

Jordan Thompson is a Series 66-licensed financial advisor at Merrill with four years of industry experience. Prior to joining Merrill in 2022, he worked at T. Rowe Price from 2018 to 2021 and has experience with the USAID Global Health Supply Chain Program. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Deborah Starr is a financial advisor at Raymond James & Associates with 28 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Raymond James since 2016. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and government entities, providing wealth advisory planning and investment consulting primarily on a non-discretionary basis.

Jason Sarratea is a financial advisor at Morgan Stanley with 29 years of industry experience. He has held positions at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. He holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and analysis.

Shahzib Hussain is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. He has been with Bank of America and Merrill since 2017. Prior to his current role, he worked at Glyndon Grill and Towson University. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Ariel Popel is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools alongside advisory services.