Patricia Soto is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has previously worked with First Command Financial Planning and related entities for over two decades before joining Cambridge in 2021. Soto is also the owner of My Shepherd Financial, a private advisory practice. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and trusts. The firm offers a range of financial planning, investment management, and retirement advisory services through independent professionals, using various portfolio management platforms and proprietary as well as third-party model strategies.

Thomas O'Conor is a CFP® with 12 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2020. Prior to this, he worked at Bank of America and Merrill from 2013 to 2020. He is also involved in private wealth management through his ownership in Thomas O'Connor LLC and partial ownership and co-trustee roles in SCO Wealth Management, LLC. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services tailored to clients meeting a net-worth threshold, utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Joshua Ernest is a Series 66-licensed financial advisor with seven years of industry experience. He currently works at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having previously held roles at GWFS Equities, Advised Assets Group, Bank of America, and Merrill. Outside of finance, he is an owner and partner at Reefer Madness, LLC, a business involved in the sales of live coral reef animals. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Dale Harris is a financial advisor at Stifel with Series 65 and Series 63 credentials and three years of industry experience. His prior work includes roles in education and food service, as well as involvement with a basketball camp. He serves as Co-Head of the Finance Committee for the Albert Cesky Scholarship Fund, a nonprofit providing college scholarships to student athletes in Harford County. Stifel serves a broad range of clients, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Gerrit Shuffstall is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings a unique perspective to financial advising, having transitioned from a career in architecture to finance in 2014. Gerrit specializes in guiding young couples and emerging professionals who are accumulating wealth, helping them develop integrated strategies to achieve both short-term and long-term financial goals. His expertise includes executive compensation, small business strategies, and retirement income planning. Gerrit also has experience serving clients in the aerospace and defense industry and those facing liquidity events due to mergers and acquisitions. Gerrit holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Certified Investment Management Analyst (CIMA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor's degree in Business Communications and Marketing from Mercyhurst University and a Master's degree from the School of Architecture and Planning at Morgan State University. Additionally, he is involved in managing 401k development and design, providing investment recommendations, and educating plan participants. Beyond his professional work, Gerrit is active in the Towson neighborhood community association and coaches youth sports such as baseball, basketball, and lacrosse. He also serves as an assistant scout master for Scouting USA Troop 729 and volunteers with community greening and tree planting activities. Gerrit resides in the Anneslie neighborhood with his wife, Margaret, and their two children.

Andrew Fletcher is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. He has 20 years of industry experience, having worked at LPL Financial since 2021 and M&T Securities, Inc. since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a wide range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management along with model portfolios and third-party research.

Gary Moulsdale is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 designations and bringing 28 years of industry experience. His prior work includes roles at Bank of America and Merrill Lynch. He is the owner of GKM Holdings, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and supports municipal and public-finance work, along with specialized advisory programs.

William Watson is a financial advisor at LPL Enterprise with 31 years of industry experience. He holds the Series 63 and Series 65 designations and has prior experience with Prudential Insurance Company of America and Pruco Securities, LLC. Watson also markets his financial planning and advisory services under the name Frame Wealth Partners. LPL Enterprise serves a broad range of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management programs, and a variety of brokerage and insurance products through its integrated platform.

Colin Meeks is a CFP® professional with 32 years of industry experience and has been with LPL Financial since 2012. He is based in Baltimore, MD and holds the Series 63 designation. Outside of his advisory role, he owns a home-based vending business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Bryon Epple is a financial advisor with RBC Capital Markets in Bel Air, MD, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has worked at RBC Capital Markets since 2008 and more recently at City National Bank since 2019. Outside of his advisory role, Epple serves as treasurer for a local community soccer program. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with customizable portfolio management and financial planning services.

Stephanie Muhl is a financial advisor with Fidelity Investments and holds the Series 63 and Series 65 designations. She has 14 years of industry experience, including roles at Fidelity Brokerage Services LLC and FIDELITY Personal and Workplace Advisors. Outside of her advisory work, she is involved as an office assistant at Hunt Valley Truck and Trailer, where she handles payroll, accounting, human resources, budgeting, and marketing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on model portfolios constructed through proprietary research, quantitative analysis, and algorithmic methods.

Alysson Krchnavy is a CFP®-certified financial advisor at Edward Jones with seven years of industry experience. She has been with Edward Jones since 2008. Outside of her advisory role, she serves as President of the Board of Directors for the Havre de Grace Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors.

Carl Strozyk is a financial advisor with Cambridge Investment Research Advisors in Bel Air, MD, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011 and leads The Small Business Group, where he provides accounting, tax, and business consulting services. Strozyk is also an independent insurance agent representing various companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm employs a range of investment strategies and platform arrangements, with both proprietary models and access to third-party managers.

Bernard Muth is a financial advisor at OSAIC with 20 years of industry experience. He holds the CFP® and Series 66 designations and previously worked for Lincoln Financial Advisors for 19 years. In addition to his role at OSAIC, he is the owner of Gernon Muth & Associates, a business offering employee benefits such as accident and health insurance, fixed annuities, and life insurance. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of investment tools and third-party platforms to construct diversified portfolios.

Frederick Ehrsam is a financial advisor with Raymond James Financial in Bel Air, MD, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Raymond James since 2014. Outside of advisory work, Ehrsam is a partner in Calluna Vineyards and operates Ehrsam Wealth Strategies LLC, a support company. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports its clients through various advisory programs and institutional consulting.

Penny Huff is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Grant Dircks is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Alec Mouring is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Securities, Fidelity Investments, Fidelity Brokerage Services LLC, and AXA Advisors LLC. Outside of advisory work, he is a licensed insurance agent offering fixed annuities and traditional life insurance, and he also provides notary services. OSAIC serves a diverse client base including retail and institutional investors and offers integrated brokerage and advisory services. The firm utilizes a range of investment tools and platforms to construct portfolios across various asset classes, providing both discretionary and non-discretionary management options.

Nicole Wilson is a financial advisor with LPL Financial, holding a Series 66 credential and five years of industry experience. She has worked at firms including Cambridge Investment Research Advisors and Janney Montgomery Scott. Outside of her advisory role, she is involved in tax preparation and accounting services through a separate business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Melissa Harbold is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been a financial advisor since 2004, the year she graduated Cum Laude with a Bachelor of Business Administration from Loyola College in Maryland. Melissa holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Melissa is actively involved in her community, serving as the current chair of the Port Deposit Historic Area Commission and as a past president of the Chesapeake Professional Women's Network, where she remains a member. She also participates in the St. Margaret School Home and School Association. Melissa is married to Brad, her high school sweetheart, and they have two children. Her personal interests include baseball, boating, cooking, music, reading, spending time with family, and traveling.