Michelle Kruhm is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 19 years of industry experience. She has worked at LPL Financial since 2011, with prior experience at Morgan Stanley and Citigroup Global Markets. Additionally, she is commissioned as a notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Crystal Wise is a Series 66-licensed financial advisor with Morgan Stanley, bringing 18 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2022, she worked at Wells Fargo Clearing from 2016 to 2022. Outside of her advisory role, she serves as a board member for the Bonnie Brook Homeowners Association, where she participates in community event planning and newsletter preparation. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services through a structured planning process without making individual security recommendations.

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. Prior to joining Cambridge in 2022, Aaron spent 11 years at GWN Securities Inc. Outside of advising, Aaron is an independent insurance agent representing various insurance companies. Cambridge Investment Research Advisors serves a diverse client base that includes individuals, institutions, pension funds, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple custodial platforms.

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 Certified Financial Planner® with 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent four years at Legg Mason Wood Walker, Incorporated. 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, utilizing research from Wells Fargo Investment Institute and third-party sources.

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 in Annapolis, MD, holding the Series 63 and Series 65 designations and accumulating 35 years of industry experience. She has been with LPL Financial since 1997. Outside of her advisory role, she is involved with Flight Plan Financial Services and NGFCU Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, with a platform supporting both discretionary and non-discretionary strategies.

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 Series 66-licensed advisor with Wells Fargo Clearing, based in Annapolis, MD, and has 21 years of industry experience. His career includes prior roles at Morgan Stanley, Citigroup Global Markets, and Merrill. He serves as trustee for investment-related family trusts. Wells Fargo Advisors is a national firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing approximately $671 billion in assets through over 14,000 financial advisors.

Caitlin Carter is a Series 66-licensed financial advisor with Morgan Stanley in Annapolis, MD, and has 10 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Derrick Jackson is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 66 licenses and having 21 years of industry experience. He has worked at Morgan Stanley Smith Barney LLC since 2015 and at Morgan Stanley Private Bank, N.A. since 2022. Outside of his advisory role, he serves as an executor or co-executor for estates. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individual and institutional clients. The firm emphasizes tailored financial planning supported by proprietary tools and offers various services including estate planning and corporate financial planning agreements.

Shane Hatfield is a financial advisor with Morgan Stanley, holding a Series 66 license and possessing 10 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2019 and Morgan Stanley Smith Barney LLC since 2014. Hatfield also serves in the United States Army Reserves since 2008. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies, with a focus on client-implemented plans.

Karen Steppler Krieg is a financial advisor with Edward Jones in Edgewater, MD, holding the CFP® designation along with Series 63 and Series 66 licenses. She has 25 years of industry experience and has been with Edward Jones since 2000. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, discretionary and non-discretionary wrap fee strategies, and affiliated investment products. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 financial advisors and 15,000 branch offices.

Sheri Mergenthaler is a CFP® professional with 14 years of industry experience, currently with Cetera in Annapolis, MD. She has held prior roles at Avantax Advisory Services and 1ST Global Capital Corp., among others. Sheri also serves as a committee member on the Maryland Association of CPAs (MACPA) Investment Committee, overseeing the organization's investment fund. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory platform serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager approach that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.