Benjamin Gardner is a financial advisor at Charles Schwab with Series 66 credentials. He joined the firm in 2023 and has experience coaching age group swimmers as an assistant swim coach for TCY Swimming and Talbot Swim Club. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

Kevin Gilligan is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kyle Orlinski is a Series 66-licensed financial advisor with 12 years of industry experience. He is currently with Fidelity Investments and has held previous roles at Bank of America, Merrill, Truist Advisory Services, BB&T Securities, Integrated Wealth Concepts, and LPL Financial. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple fund advisory and consulting services.

William Quick is a CFA® charterholder with 40 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is a board member of the Denton Town Planning Commission in Maryland. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services through its Financial Advisors and Estate Planning Strategies Group.

Theresa Durnbaugh is a financial advisor with Morgan Stanley Wealth Management in Easton, MD, holding a Series 66 designation and 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a partner in the Burgett Farm Partnership, which is involved in agriculture in Bowie, Maryland. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by a structured discovery process and firm-approved planning tools.

Norman Laporte is a financial advisor at Wells Fargo Advisors with 40 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory role, he serves as president of the Chance Hope Farm Homeowners Association in St Michaels, MD. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients using a broad planning menu tailored to clients meeting a net-worth threshold. The firm offers a range of specialized planning services and integrates advisory solutions with other financial products and referral channels.

Kathleen Schoff is a financial advisor with Wells Fargo Clearing, holding Series 63, 65, and 66 designations and 34 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she has a minor ownership interest in Samson Explorations, LLC, which generates quarterly royalty payments. 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 advice. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Stephanie Saunders is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling.

Michelle Kruhm is a financial advisor at LPL Financial with 19 years of industry experience. She holds the Series 63 and Series 66 designations and has been with LPL Financial since 2011. In addition to her advisory role, she is a notary. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofits. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios, research, and various technologies.

Crystal Wise is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she serves as a board member for the Bonnie Brook Homeowners Association, where she helps plan community events and manage budgeting. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analyses.

Bradley Miller is a Wealth Management Advisor with Merrill Lynch Wealth Management. He takes a comprehensive approach to managing wealth by first listening to clients' needs and ensuring that every strategy aligns with their personal goals. His expertise spans family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Leveraging the investment insights of Merrill and the banking services of Bank of America, Bradley addresses various aspects of his clients’ financial lives. Bradley was born and raised on Maryland's Eastern Shore and earned a Bachelor's Degree from Salisbury University. He holds the Series 7 and 66 FINRA registrations, is a National Insurance Producer for Life, Health & Long Term Care Insurance, and is an NMLS Registered Agent. Additionally, he has earned the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Bradley enjoys fishing, golfing, hunting, and spending time with his family. He resides in Easton with his wife, Megan, and their daughters, Claire and Jane.

Ronald Flohr is a financial advisor with Morgan Stanley in Easton, MD, holding CFP® and Series 66 credentials and possessing 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate agreements.

Kevin Collison is a financial advisor with Ameriprise in Edgewater, MD, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes roles at Merrill and Bank of America. He has been with Ameriprise and its affiliates since 2019. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its advice, with a focus on assets managed within Ameriprise accounts.

Tracy Aaron is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 30 years of industry experience. Before joining Cambridge in 2022, Tracy worked at Gwn Securities Inc for 11 years. Outside of advisory work, Tracy is also an independent insurance agent. 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 plan advisory services through independent Financial Professionals using a variety of portfolio management and platform strategies.

Robert Saunders III is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Kimberly Berry is a CFP® professional with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Felicia Kemp is a financial advisor with Morgan Stanley in Easton, MD, holding a Series 66 designation and two years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at First Home Mortgage and PNC Bank. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual 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 to support its advisory services.

Margaret Kosmerl is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She has been with LPL Financial since 1997. Kosmerl is involved in non-variable insurance, including long-term care insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Kody Slayton is a CFP® certificant with 10 years of experience at Edward Jones. He has served as a financial advisor with the firm since 2016. Outside of his advisory role, Slayton is an assistant coach for the boys soccer program at Calvert County Public Schools in Huntingtown, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including retirement plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets through a nationwide network of advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Kenneth Barkman is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2012 to 2016. Barkman serves as a trustee for family trusts, dedicating time to managing investment-related matters. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.