Jesse Folus is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2019 and is also associated with Bank of America, N.A. since 2022. Prior to his financial services career, he was employed by Lupin Pharmaceuticals. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mason Champion is a financial advisor with Morgan Stanley in Lutherville, MD, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2009. Outside of his advisory role, Champion is an author of several books and serves on the Board of the College of Health & Human Development at Penn State University, where he is also involved in teaching and advisory activities. Morgan Stanley Wealth Management provides a wide range of advisory programs for individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Lucas Graham is a financial advisor with LPL Enterprise holding a Series 66 designation. He has one year of industry experience and previously worked at IDEMIA National Security Solutions and West Virginia University. Outside of his advisory role, he was affiliated with Bible Center Church for two years. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs a model-driven investment approach and offers financial planning, consulting, and access to third-party asset managers through a large network of investment adviser representatives.

Michael Frank Jr. is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He previously worked at Seventy2 Capital Wealth Management and Bank of America, N.A. Outside of finance, he has experience in the hospitality industry, including roles at 7 West Bistro, Rite Way Valet, and Pussers Caribbean Grille. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Edwin Abrams is a financial advisor with Mass Mutual Investors Services in Hunt Valley, MD, holding Series 63 and Series 65 licenses and with 29 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and at Massachusetts Mutual Life Insurance Company since 2016, following an 11-year tenure at MetLife Resources. He is also involved as an agent in life and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning engagements and a variety of investment and event-driven planning services.

Enkhtuul Terguunbaatar is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, Terguunbaatar held roles at VideoAmp, Reach Partners, and The Johns Hopkins Carey Business School. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Gregory Blair is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, with prior experience at Bank of America, N.A., and Merrill. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

Sabine Laure Mve Wandey is a financial advisor at Merrill with eight years of industry experience. She holds the Series 66 designation and has worked at Merrill since 2018, previously employed by Honda of Annapolis from 2016 to 2018. 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 using model-based and discretionary investment strategies managed by internal and third-party teams.

Howard Gun is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Ameriprise and its affiliate since 1992. In addition to his advisory role, he engages in fiduciary activities, serving as an executor and attorney-in-fact. Ameriprise provides a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized, non-discretionary recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Hunter Leed is a financial advisor at OSAIC with two years of industry experience and a Series 66 designation. Prior to joining OSAIC in 2025, he worked at Lincoln Financial Advisors Corporation and has a diverse background including roles in Homeland Security with the United States Coast Guard. He is also an agent at Mylestone Plans, where he provides various insurance products. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization supported by risk assessments and rebalancing tools.

Peter Bacon is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2009. He also serves as a trustee in Towson, Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Brian Culloty is a financial advisor at LPL Financial with 42 years of industry experience. He holds the Series 63 designation and has worked at LPL Financial since 2018, following a 32-year tenure at INVEST Financial Corporation. Outside of his advisory role, he is involved with Waterview Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jason Rowett is a financial advisor with Merrill in Hunt Valley, MD, holding Series 63 and Series 66 registrations and having 10 years of industry experience. His prior roles include positions at Bank of New York Mellon and Bank of America. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

William Eberhart III is a financial advisor with Morgan Stanley in Baltimore, MD, holding Series 63 and Series 66 credentials and has 26 years of industry experience. He has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2009 and 2015 respectively. Outside of his advisory role, he is the owner of Crab Key LLC, a residential real estate rental business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market simulations to assist clients in financial decision-making.

Justin Gue is a financial advisor with LPL Enterprise, holding a Series 66 designation and one year of industry experience. He has previously worked at Prudential and is involved in Jgue Platinum Realty LLC, a mortgage and real estate services business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, offering access to third-party asset managers and various financial planning services.

Sergio Galindo is a Senior Financial Advisor with Merrill Lynch Wealth Management. In his role, he focuses on developing personalized wealth management strategies tailored to each client's unique financial situation and goals. Sergio collaborates with clients one-on-one to create flexible financial plans that adapt to changing market conditions while leveraging investment insights from Merrill and banking and lending solutions from Bank of America. He holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Sergio earned his High School Diploma/GED from the University of Maryland. Committed to community involvement, he participates in local volunteer organizations, reflecting the Merrill tradition of service to the communities it serves.

Matthew Herbert is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he began his career as a Financial Advisor in January 2003. He works with affluent families, accomplished professionals, and successful business owners, providing goals-based wealth management supported by a team of specialists. Matthew focuses on cultivating long-lasting client relationships through customized advice, disciplined investing, and exceptional service. His areas of expertise include education planning, employee benefits planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, and retirement income. Matthew holds multiple professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s degree from Fort Lewis College with a focus in Eco-Psychology. Matthew is involved with the Boys and Girls Club of Harford and Cecil County. Outside of work, he spends time with his wife and daughters, often attending their lacrosse and field hockey games as well as their performances. He has interests in boating, camping, cooking, football, hiking, music, skiing, swimming, and traveling.

Christopher Walker is a CFP® professional with 32 years of experience in the financial industry, currently affiliated with RBC Capital Markets. He has been with RBC Capital Markets since 2009 and also previously worked at City National Bank. Outside of his advisory role, he is involved in lacrosse training for middle and high school players and serves on the board of a charitable organization called Athletes Saving Athletes. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, leveraging a mix of in-house and third-party investment managers along with integrated capital markets and lending capabilities.

Paul Dettor Jr. is a financial advisor with Mass Mutual Investors Services holding Series 65 and Series 63 designations and four years of industry experience. He previously worked at Stifel Financial and has experience outside finance at Scandia Marine and in educational roles at Gettysburg College and Severn School. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars using analytical tools such as Monte Carlo simulations and automated asset-allocation software.

Christopher Walsh is a financial advisor at Merrill with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill since 2021. Prior to that, he held positions at Bank of America N.A., Brightview Senior Living, and Radcliffe Jewelers. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, discretionary portfolio management, and brokerage services. The firm’s investment approach includes multiple program strategies with advisor or client discretion, manager selection governed by a central CIO, and recently expanded tax-focused capabilities.