Heinrich Brandt is the sole advisor at Brandt Wealth Advisors, LLC in Centreville, MD, holding Series 63 and Series 65 designations with 25 years of industry experience. He has led Brandt Wealth Advisors since its founding in 2012. Outside of his advisory work, Brandt is involved in local community organizations including the Choptank Puritan Club and serves on the advisory board for Healthy Families Queen Annes/Talbot, focusing on early childhood and young parent education. Brandt Wealth Advisors provides fee-based investment advisory and portfolio management services to a range of clients, including individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis, incorporating higher-risk instruments and trading strategies, and manages assets on a discretionary basis without imposing account minimums.

Nicholas Lumpp is a financial advisor at RCN Wealth Advisors, Inc. in Stevensville, MD, holding a Series 66 designation with 13 years of industry experience. He has been with RCN Wealth Advisors since 2012. RCN Wealth Advisors is an independent firm providing fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, trusts, corporations, and an exchange-traded fund. The firm combines long-term, value-oriented portfolio construction with tactical, rules-based allocations and serves as sub-adviser and co-sponsor of the RCN Pareto Strategic Allocation ETF, which employs a systematic trend-following strategy across multiple asset classes including digital assets such as bitcoin.

William Maxwell is a CFA® charterholder with 31 years of industry experience. He is the sole advisor at Maxwell Family Office, LLC, an independent firm based in Rock Hall, MD. Maxwell has been associated with R.H. Crows Nest, LLC and its d/b/a Maxwell Family Office since 2015. Maxwell Family Office is a fee-only investment advisor serving individuals, family-related clients, and a small number of selected relationships, including small charitable organizations. The firm manages balanced, customized portfolios using fundamental analysis and a range of investment vehicles, with a client base focused on modest assets and specialized services such as pension and rollover matters.

Kevin Caldwell is a financial advisor at Islands East Advisors with a Series 65 designation and two years of industry experience. He has worked at WR Grace & Co since 2014 as a Demand Planner and Financial Analyst in the specialty chemicals sector, focusing on forecasting demand for catalysts used in oil refineries. Islands East Advisors serves individual households, nonprofit organizations, and employer plan sponsors with financial planning, portfolio management, and retirement plan consulting. The firm employs modern portfolio theory alongside fundamental and cyclical analysis, offering discretionary investment management and retirement plan services with an emphasis on educational seminars and nonprofit clients.

David May is the sole advisor at Osprey Capital Management, LLC, an independent firm based in Rock Hall, MD. He holds a Series 65 designation and has 15 years of industry experience, leading Osprey Capital since its founding in 2010. Osprey Capital Management is a fee-only investment adviser providing discretionary portfolio management primarily to high-net-worth individuals and select institutional clients. The firm employs a fundamental, sector-focused investment approach, emphasizing companies with low debt, strong operating margins, and reasonable valuations, and utilizes strategies ranging from long-term holdings to shorter-term trading and options within a discretionary model.

Joseph Wehr is a CFA® charterholder and holds a Series 66 license, with six years of industry experience. He has worked at Maryland Capital Advisors, Inc. since 2024 and previously held roles at Dimensional Fund Advisors, PayPal, Visa Inc., and the University of Chicago Booth School of Business. Maryland Capital Advisors provides discretionary and non-discretionary portfolio management and investment advice to individuals, families, retirement plans, corporations, and charitable organizations. The firm employs a Modern Portfolio Theory-based approach, favoring passively managed funds and ETFs across global, multi-asset allocations, and emphasizes customized fixed-income strategies alongside institutional-class passive funds.

Wayne Humphries is a financial advisor with Bayview Investment Counsel, Inc., holding a Series 65 designation and 53 years of industry experience. He has worked with Bayview Financial Group, Inc. since 2001 and with International Money Management Group, Inc. since 1983. Bayview Investment Counsel serves individuals, trusts, estates, charitable organizations, and small business entities, including high-net-worth clients, through discretionary portfolio management and investment counseling. The firm employs a combination of fundamental, technical, and cyclical analysis and uses both long-term and short-term trading strategies, monitoring and adjusting portfolios as market conditions or client needs evolve.

Ernest Brittingham Jr. is a financial advisor at Bayview Investment Counsel, Inc. with over 56 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Bayview since 1991. His career also includes long-term involvement with Dockside Financial Group, INT'L Asset Management, International Money Management Group, Inc., and INT'L Money Management Corp. Bayview Investment Counsel serves individuals, trusts, estates, charitable organizations, and small businesses, focusing on discretionary portfolio management and investment counseling. The firm employs a combination of fundamental, technical, and cyclical analysis and offers both long-term and short-term trading strategies tailored to client needs.

John Taylor Jr. is a financial advisor at Financial Concepts Unlimited, Inc. with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Financial Concepts Unlimited since 2001, with additional experience at Purshe Kaplan Sterling Investments. Outside of his advisory role, he serves as president of a homeowner's association in Syria, Virginia. Financial Concepts Unlimited provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, as well as corporations and pension plans. The firm manages approximately $189.8 million across about 196 accounts, utilizing proprietary model portfolios and a combination of mutual funds, ETFs, structured products, individual securities, and options.

Kristen Owen is a financial advisor at Geneos Wealth Management, Inc. with 11 years of industry experience. She holds a Series 66 designation and has worked at Chesapeake Investment Advisors, Chesapeake Investment Services, Cetera, and Chesapeake Bank. Outside of her advisory role, she serves on the boards of Main Street Historic Chestertown and Chester River Health Foundation Inc., and is president of Ardea Advisors Inc. Geneos Wealth Management serves a diverse client base including individuals, trusts, estates, pension plans, corporations, and charitable organizations. The firm offers comprehensive financial planning and investment advisory services, employing a range of analytic approaches and strategies, with discretionary trading authority on most accounts.

John Macielag is a financial advisor with Stifel Independent Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Merrill and Bank of America, where he worked for 31 and 11 years respectively. Outside of advising, he owns Mac4 Corp, a wetland habitat consulting business, and serves as a Principal Race Officer for US Sailing, the sport’s national governing body. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and public entities, offering brokerage and investment advisory services with a range of financial planning and portfolio management options. The firm emphasizes a collaborative planning process using proprietary models and supports a broad array of affiliated financial capabilities.

Katy Lightburn is a financial advisor at Stifel Independent Advisors, LLC with 10 years of industry experience. She holds the Series 66 designation and has worked previously at Bank of America and Merrill. Outside of her advisory role, she serves as a director of the Bond Chapel Foundation, where she consults on restoration and community presentation efforts in Chestertown, MD. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and governmental entities, offering brokerage and investment advisory services. The firm employs a collaborative planning process using proprietary capital market assumptions and provides tailored asset allocation recommendations.

Robert Schilling is a financial advisor with Realta Investment Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked with multiple firms, including Retirement Specialists and United Planners' Financial Services, and operates Schilling Financial as an independent insurance agent offering fixed, life, and long-term care insurance. Realta Investment Advisors, Inc. is an SEC-registered enterprise advising approximately 1,900 clients with $343 million in assets under management. The firm provides portfolio management, financial and estate planning, retirement-plan advisory, and offers a broad range of investment options through a combination of advisor-directed accounts and third-party manager programs.

Michael Nickerson III is a Series 65–licensed financial advisor at Independence Square Holdings, LLC with one year of industry experience. Prior to joining Independence Square Holdings, he worked at LPL Financial and has a background that includes roles at Washington College and Gunston Day School, alongside part-time labor positions in construction and farming. He is also the owner and operator of Michael's Shore Style BBQ, a local food service business. Independence Square Holdings, LLC provides investment advisory, financial planning, pension consulting, and portfolio management services to individuals, retirement plans, corporations, charitable organizations, and government entities. The firm employs a range of investment strategies and combines in-house portfolio management with third-party programs, offering digital platforms and ancillary services to support client objectives.

Larissa Costello is a financial advisor with Alden Investment Group, holding Series 65 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at Coastal Investment Advisors, Raymond James Financial Services, and Ameriprise Financial Services. Outside of her advisory work, she co-owns an LLC with her family focused on investment property. Alden Investment Advisors serves individual clients, retirement plans, nonprofits, other advisors, and pooled vehicles, offering discretionary and non-discretionary portfolio management along with fiduciary and financial planning services. The firm uses a customized asset allocation approach combining proprietary strategies and third-party managers, delivered through its Alden COVE platform that integrates technology and supports unified managed accounts.

Martin Knight is a financial advisor with Geneos Wealth Management, Inc. He holds a Series 66 designation and has 20 years of industry experience. He has worked at Chesapeake Investment Advisors, Inc. and Geneos Wealth Management since 2005. In addition to his advisory role, he is a notary public. Geneos Wealth Management serves a broad range of clients, including individuals, trusts, estates, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, investment advisory, and brokerage services, employing a variety of analytic approaches and strategies tailored to client needs.

Robert Sullivan is a financial advisor at Centaurus Financial, Inc. with 28 years of industry experience. He holds Series 63 and Series 65 registrations and has been with Centaurus Financial since 2011. Sullivan has operated Sullivan Financial, LLC since 1991, where he is involved in sales and service of life insurance, long-term care, Medicare supplements, and fixed insurance products. Centaurus Financial, Inc. provides advisory services through a network of independent representatives to individuals, families, businesses, and institutions, offering financial planning, investment management, and access to third-party money managers. The firm employs a mix of fundamental and technical analysis and manages both discretionary and non-discretionary assets.

John Cvach is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Arbor Point Advisors and Securities America, Inc., among others. Outside of advisory work, he serves as president of Cvach Financial Services, a bookkeeping and tax preparation business, and as treasurer for Goodwill Fire Co Inc., a nonprofit organization. Osaic Advisory Services, LLC is an SEC-registered investment adviser managing over $12 billion in client assets, serving a diverse client base including individuals, charities, corporations, and institutional entities. The firm offers a range of managed account programs, financial planning, and consulting services through a representative-driven advisory model that utilizes mutual funds, ETFs, stocks, bonds, third-party managers, and other investment vehicles.

Brian Hardman is a financial advisor with Eagle Strategies (NY Life) based in Stevensville, MD, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has worked with Alpha Solutions Group since 2020 and has longstanding affiliations with Nylife Securities Inc. and New Life Insurance Co dating back to the 1980s. Outside of his advisory work, Hardman owns and operates a charter fishing boat, Lead Doy Charters, and serves as a board member of the Upper Bay Charter Captain's Association. Eagle Strategies LLC provides financial planning, investment advisory, and retirement plan consulting services to individuals, employer-sponsored plans, trusts, charitable organizations, and corporate clients. The firm’s model focuses on client-directed solutions and utilizes third-party managers and model portfolios, managing approximately $25.4 billion in assets as of December 2024.

William Ryon is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 licenses and having 21 years of industry experience. He has been with Private Advisor Group and LPL Financial since 2011. Outside of his advisory role, he provides retirement and lifestyle education courses to the public through the Retirement Educators Group. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to third-party asset management programs and separately managed account strategies.

Christopher Wilhoit is a financial advisor with LPL Financial in Stevensville, MD, holding a Series 66 designation and bringing 25 years of industry experience. He has previously worked at Kestra Financial Services and Nfp Advisors. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households, offering a range of financial planning, model-portfolio advisory, and third-party asset management solutions.

Joseph Johnson is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2013. He holds Series 63 and Series 65 licenses. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers institutional consulting and public finance services, combining investment advisory with municipal and public-financing capabilities.

Sarah Schut is a CFP® and holds a Series 66 license with 10 years of experience in the financial services industry. She is currently affiliated with Cetera and also owns Envision Wealth Planning LLC, where she serves as a financial professional. Outside of her advisory roles, Schut volunteers as a financial literacy teacher at the Kent County MD YMCA and serves as treasurer on the board of the Rock Hall Yacht Club Sailing School. Cetera Investment Advisers supports a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing advisor-managed accounts, firm-sponsored model portfolios, and third-party solutions, with specialized retirement and fiduciary capabilities integrated within its broader institutional platform.

Megan Penn is a financial advisor at LPL Financial with nine years of industry experience. She holds Series 63 and Series 65 licenses and has worked at several firms, including Kestra Financial Services and Lincoln Financial Advisors Corporation. Outside of her advisory role, she is involved with Red Eye's Dock Bar in Grasonville, MD. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers various investment solutions supported by an in-house research team and accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

Alfred Cassinelli II is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has previously worked at Arbor Point Advisors, Securities America, Inc., and United Advisors, LLC. Outside of his advisory role, Cassinelli owns a distillery business in Chestertown, MD. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, and institutions, offering a variety of advisory and brokerage services supported by an in-house research team that provides model portfolios and customizable investment solutions.

Glenn Ankenbrand is a financial advisor with LPL Financial, holding a Series 65 designation and four years of industry experience. He has managed his own firm, G.H.A. Financial Planning, since 2005 and previously worked at Delmarva Power for 37 years. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment solutions supported by an in-house research team and combines large-scale advisory operations with various non-advisory products.

Shubhro Banerjee is a CFA® charterholder and Series 63 licensed financial advisor at Edward Jones with five years of industry experience. Prior to joining Edward Jones in 2021, he worked at M&T Bank N.A. (Wilmington Trust Investment Advisors) from 2015 to 2020. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a broad range of investment strategies and affiliated financial products supported by a nationwide network of more than 23,000 advisors.

William Caughey IV is a CFP® certificant with 15 years of experience at Edward Jones, where he has worked since 2011. He holds a Series 66 license and is based in Chester, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating with a nationwide network of more than 23,700 financial advisors.

Stacy Coldwell is a financial advisor at LPL Financial with 19 years of industry experience. She holds the Series 66 designation and has previously worked at PNC Investments, Merrill, and Bank of America. Outside of her advisory role, she is involved in managing a real estate rental business in McHenry, MD. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with in-house research, model portfolios, and a range of investment and client service options.

Eric Ivankevich is a financial advisor at Edward Jones in Stevensville, MD, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and is also a co-founder and consultant for Uncalm, an apparel business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a wide range of advisory programs, offering both discretionary and non-discretionary strategies supported by a large national network of financial advisors and branch offices.

Bruce Valliant is a financial advisor with Raymond James Financial in Grasonville, MD, holding a Series 66 designation and 26 years of industry experience. He has been associated with Raymond James Financial Services, Inc. since 1999 and owns Valliant and Associates LLC. Outside of his advisory role, he is a partner in Valliant Shellfish and Seafood, LLC, involved in farming and selling farmed shellfish and seafood. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations, with a distinctive focus on advisory and implementation-support services.

Nicole Caringal is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. since 2009, with prior experience at LPL Financial. She holds roles outside of her advisory work as a FINRA arbitrator and serves as Vice President and Finance Committee member on the board of the United Way of Kent County. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations through detailed risk profiling and asset allocation analysis.

Graham Smith is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Bell Helicopters - Textron, Burr & Forman LLP, and the South Carolina State House. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, providing managed account programs, discretionary portfolio management, and brokerage execution supported by extensive manager selection and tax-efficient investment strategies.

Jason Bogaczyk is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. His prior roles include positions at Kestra Financial Services, NFP Securities, and Sandy Spring Investment Services. Outside of his advisory work, he is involved with B.A.M. Consulting LLC, a home-based business entity for tax and investment purposes. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with in-house research and a range of investment solutions, combining large-scale advisory operations with non-advisory product offerings.

Jonathan Michael is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011. Outside of his advisory role, he operates an independent insurance agency specializing in health, life, disability, and long-term care products and serves on a homeowners association golf course committee. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations. The firm offers financial planning, discretionary and non-discretionary portfolio management, and utilizes various account platforms and third-party sub-advisers to deliver investment advice through a large network of independent financial professionals.

Timothy Grossman is a financial advisor at Osaic with over 20 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Prior to joining Osaic in 2025, he worked at VALIC Financial Advisors for 20 years. He serves on the board of Consider the Lily, a nonprofit organization that rescues girls from sexual abuse and trafficking in Manila, Philippines. Osaic Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individuals, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and investment programs, utilizing technology-driven asset allocation and portfolio management tools.

Kyle Orlinski is a financial advisor at Fidelity with 11 years of industry experience and holds a Series 66 designation. His prior work includes roles at Bank of America, Merrill, Truist Advisory Services, BB&T Securities, Integrated Wealth Concepts, LPL Financial, and Lincoln Financial Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, often utilizing model portfolios built from mutual funds, ETFs, and ETPs.

Mary Valliant is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has worked at Raymond James since 1999 and has served on the board of Medical Mutual Liability Insurance of Maryland since 1996. In addition to her advisory work, she is involved in agricultural business through Valliant Shellfish and Seafood LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations.

Daniel Long is a financial advisor at Cetera with 25 years of industry experience and holds a Series 66 designation. Prior to joining Cetera in 2025, he worked for multiple Avantax entities from 2013 to 2025 and has operated his own CPA practice since 1996. In addition to his advisory role, he is involved in accounting and tax preparation through his ownership of Daniel C Long CPA and related business activities. Cetera Investment Advisers serves a broad range of individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, and fiduciary solutions, supported by a mix of advisor-managed accounts, model portfolios, and third-party managed solutions.

Ann Jacobs is a Series 66-licensed financial advisor with Edward Jones, where she has worked since 2017. She has eight years of industry experience, including previous roles at Quidient, LLC and the Caroline County Chamber of Commerce. Outside of her advisory work, she owns and manages Blueprint Property Management LLC in Denton, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.

Steven Mccartin is a financial advisor at Continuum Advisory, LLC with 23 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Transamerica Financial Advisors, Inc. and Signator Investors, Inc. He is also principal of MCCARTIN Financial Services, where he provides tax preparation and offers securities, investment advisory, and insurance products. Continuum Advisory is a multi-team SEC-registered investment adviser serving individuals, trusts, corporations, and retirement plans. The firm offers financial planning and portfolio management with a range of investment options and provides institutional consulting with integrated resources including licensed attorneys and tax preparers.