Andrew Shaffer is a CFP® professional with nine years of industry experience, currently an advisor at OSAIC since 2025. He previously worked at Lincoln Financial Advisors Corporation for eight years and Heritage Financial Consultants, LLC for one year. His other business activities have included soliciting clients for investment and annuity products at Heritage Financial Consultants. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Brian Dunne is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market modeling techniques.

Susan Sadler Woelper is a financial advisor at UBS Financial Services with 26 years of industry experience. She has been with UBS Financial Services Inc. since 2009 and holds Series 63 and Series 66 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Kathryn Hoyle is a CFP® professional affiliated with LPL Financial in Hunt Valley, MD. She has eight years of experience in the financial industry, including roles at Summit Financial and LPL Financial since 2018. Outside of finance, she has worked in the food service industry with Rouge Catering and Seasons Pizza, and she was also employed by Towson University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by extensive research and technology solutions.

Erik Gundlach is a financial advisor at Morgan Stanley with 14 years of industry experience. He holds the Series 66 designation and has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques to support client decision-making.

Patrice Wells Sowah is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 designations and bringing 16 years of industry experience. She has worked with PFS InvestmentS Inc. since 2009 and was employed by the State of Maryland Department of Juvenile Services from 2008 to 2019. Her business activities include the sale of investment-related products and referral of home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Sharon Martin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 18 years of industry experience. She has been with Robert W. Baird & Co. since 2009. She is part of The DDK Group, a team within Robert W. Baird & Co.’s Private Wealth Management practice that serves individuals, families, pensions, profit-sharing plans, corporations, charitable organizations, and other institutional clients. The group provides tailored consulting and portfolio services, including discretionary and non-discretionary management, separately managed accounts, and overlay strategies across a range of traditional and non-traditional investments.

Justin Mc Nicholas is a financial advisor with Merrill in Hunt Valley, MD, holding a Series 66 designation and eight years of industry experience. His career includes positions at Bank of America, N.A. and Merrill since 2018. Outside of finance, he has business experience with Homefix Custom Remodeling and Red Abbey LLC, along with involvement in Kipilin Farm. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm combines internal and third-party investment management with support for trading, account administration, and custody.

Kayla Shockett is a financial advisor at Wells Fargo Clearing with a Series 66 credential and five years of industry experience. Prior to joining Wells Fargo in 2025, she worked at Merrill from 2020 to 2025. Her background also includes roles in education and compliance, as well as entrepreneurial experience with a landscaping business. 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 supported by research from Wells Fargo Investment Institute and third-party databases.

Jeffrey Evans is a financial advisor with Merrill based in Hunt Valley, MD, holding a Series 66 designation and 7 years of industry experience. He has been with Merrill since 2017. Outside of his advisory role, he manages several rental properties. 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 both model-based and discretionary investment strategies for a diverse range of clients including individuals, high-net-worth investors, and institutions.

Howard Schwartz is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked at Merrill and Bank of America since 2018, following prior roles at U.S. Trust, Bank of America, and BB&T Investment Services. He is involved with The Community Foundation of Howard County through a donor-advised fund established by his family. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lee Demma is a financial advisor at LPL Financial with 16 years of industry experience. His prior roles include positions at M&T Securities, MetLife Securities, and Massachusetts Mutual Life Insurance Company. He holds Series 63 and Series 65 credentials. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutional clients, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and diverse investment strategies.

Kyle Harris is a financial advisor with UBS Financial Services in Baltimore, MD, holding a Series 66 designation and having 20 years of industry experience. He has worked at UBS Financial Services since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management, financial planning, and a range of capital markets services. The firm combines institutional trading capabilities with wealth management and uses proprietary research to tailor investment solutions.

Kevin Fusco is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Raymond James since 2012. Outside of his advisory role, he serves as Vice President of Fusco Financial Associates, Inc. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors with various specialized programs and institutional services.

Bryan Angelilli is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience and a Series 66 designation. He has worked at Cambridge Investment Research since 2023 and has additional experience as an adjunct history professor at Harford Community College, where he has taught since 2010. Angelilli is also involved in coaching youth sports through the Fallston Recreation Council. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management options and proprietary investment models.

Jason Slotkin is a Wealth Management Advisor with The Pearce Group at Merrill. He serves as a key client relationship manager for select high-net worth clients and oversees the team's sports and entertainment division. His responsibilities include portfolio analysis, investment manager selection, holistic wealth management forecasting and planning, and heading the team's life and long-term care insurance planning. Jason also has extensive experience with high-net worth family trusts and estates, often coordinating with clients' attorneys and CPA's. He joined Merrill in 2013 and has over ten years of industry experience. Jason holds the CERTIFIED FINANCIAL PLANNER™ certification awarded by the Certified Financial Planner Board of Standards Inc. He is also a Sports & Entertainment Accredited Wealth Management Advisor™ designee, a certification from The College for Financial Planning Institutes Corp. Jason earned a Bachelor's degree in Economics from the University of Maryland - College Park. He is a member of professional organizations including the Associated Italian American Charities and the Association for Corporate Growth. Outside his professional work, Jason enjoys activities such as chess, football, golfing, music, reading, running, spending time with his family, traveling, volleyball, and watching movies.

Kaitlyn Young is a financial advisor with Merrill, holding a Series 66 designation and nine years of industry experience. She has been with Merrill since 2017 and previously worked at Genworth Financial, Inc. and Randolph-Macon College. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ceil Madden is a financial advisor at Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 licenses with 19 years of industry experience. Prior to joining Morgan Stanley in 2022, Madden worked at Raymond James Financial Services and Wells Fargo Clearing. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Michael Geppi Jr. is a financial advisor at LPL Enterprise with a Series 66 credential and one year of industry experience. His prior work includes roles at KPMG and Washington Gas Light, as well as retail and service positions. Outside of advisory work, he is involved in non-variable insurance sales through an insurance agency in Timonium, MD. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage services. The firm offers access to model portfolios, third-party asset management, and a range of financial products, combining advisory programs with insurance sales and lending solutions.

Mary Railey is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2022, following tenure at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market analysis.