Brian Phipps is a financial advisor at Cetera with a Series 66 designation and three years of industry experience. His prior roles include positions at Commonwealth Financial Network and Severn Financial Advisors. Outside of his advisory work, he coaches at Goalie Performance School in Annapolis, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with various investment program options.

Richard Lehmann is a financial advisor with Merrill and holds a Series 66 designation. He has eight years of industry experience, including prior roles at Mass Mutual Life Insurance Company, AXA Advisors, and First Command Financial Planning. He is based in Annapolis, MD. 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 developed by internal and third-party managers.

Joseph Mc Spedon is a financial advisor at Edward Jones in Annapolis, MD, holding a Series 66 designation. He has 12 years of industry experience, including 11 years at Navanti Group, LLC prior to joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and a nationwide network of financial advisors. The firm manages over $1 trillion in assets and offers both discretionary and non-discretionary investment strategies along with affiliated mutual funds and tax-efficient services.

Brian Misterek is a Series 66-licensed financial advisor at Thrivent Investment Management with 11 years of industry experience. He has worked at Thrivent Financial since 2021 and previously spent seven years with Valic Financial Advisors. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering comprehensive written recommendations on various financial topics without managing client portfolios directly. The firm uses holistic, goal-based analyses and allows clients to combine planning with managed accounts under a consolidated billing option called WealthPlan.

Lisa Kittner is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. She has been with Morgan Stanley since 2011 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning utilizing structured discovery conversations and firm-approved planning tools.

Pablo Alvarado Jr. is a financial advisor at LPL Financial with 22 years of industry experience. He has held his current position since 2009 and previously worked at Banc of America Investment Services, Inc. from 2006 to 2009. His credentials include Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research and technology tools.

Carlos Wilder III is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm’s planning process uses established tools and models to support tailored financial strategies, primarily functioning in an advisory capacity.

John Dillon Jr. is a financial advisor with Wells Fargo Advisors in Annapolis, MD, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has been with Wells Fargo Advisors since 2013. Outside of his advisory role, he serves as a trustee for the Dillon Wealth Management 401(k) plan for multiple team members. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services and integrates advisory offerings with other financial product sales and referral channels.

Peter Evans is a Senior Financial Advisor with Merrill Lynch Wealth Management, leveraging over 20 years of industry experience. He leads a team of four members serving families, small businesses, and non-profits across 40 states. Peter specializes in personalized wealth management strategies and discretionary portfolio management, utilizing individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Peter joined Merrill Lynch in 2002. He holds a Bachelor of Science in Business from Miami University in Oxford, Ohio, and a Master of Business Administration from Johns Hopkins University in Baltimore, Maryland. He has been recognized annually since 2022 on the Forbes "Best-in-State Wealth Advisors" list. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Residing in Crownsville, Maryland, Peter and his wife Sarah have two children. He serves on the Board of Trustees for the Light House Shelter in Annapolis and the Annapolis Symphony Orchestra. Peter volunteers regularly with Habitat for Humanity and has participated in committees at St. Anne's School of Annapolis and Severn School. He and his family also sponsor a Naval Academy Midshipman. His personal interests include boating, golfing, photography, spending time with family, traveling, and woodworking.

Carol Staniar is a Financial Advisor at UBS Financial Services with 18 years of industry experience. She holds the Series 66 designation and has been with UBS since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, leveraging proprietary research and a range of capital markets activities.

James Vermilye is a CFP® with 29 years of industry experience, currently serving as a financial advisor at Morgan Stanley since 2020. Prior to joining Morgan Stanley, he worked at Robert Baird & Co. from 2012 to 2020. Vermilye holds several nonprofit board roles, including treasurer positions and investment committee membership with organizations such as the Mid Shore Community Foundation, Chesapeake College Foundation, and BAAM. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach involves structured planning processes supported by firm-approved tools, serving clients through both direct engagements and employer-based financial planning agreements.

Melissa Caprice is a financial advisor at UBS Financial Services with four years of industry experience. She holds a Series 66 designation and has previously worked at Geometric Wealth Advisors, Scarborough Capital Management, Independent Financial Group, Ameriprise, and Online Trading Academy. Outside of her advisory role, she is a proprietor of an investment property in Canada. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans according to clients’ goals and risk tolerances.

Patricia Beaver is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and bringing 16 years of industry experience. Her prior roles include positions at Lee Financial Group and Raymond James Financial Services. She also operated her own advisory practice from 2015 to 2017. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver written recommendation reports, with a focus on managing assets within Ameriprise-managed accounts.

Nickolas Diamondidis is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at UBS Financial Services and Morgan Stanley Private Bank, N.A. Outside of finance, he is a singer-songwriter and operates an art and culture business called More Than Matter. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes a structured financial planning process supported by firm-approved tools and offers its services both directly and through employer agreements.

Clay Smith is a financial advisor at Equitable Advisors with eight years of industry experience. He holds a Series 66 designation and has worked at Equitable Advisors since 2018, including time at AxA Advisors. His prior roles include positions at Beverage Distribution Center Inc and Dixon Valve & Coupling. Equitable Advisors serves a broad client base, including individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, often utilizing third-party asset managers and model portfolios.

Brion Harris is a financial advisor with Cetera possessing Series 63 and Series 65 credentials and 27 years of industry experience. He has held roles at Cetera since 2019 and previously worked at Summit Financial Group and Premier Planning Group, where he is also the CEO and founder. Outside of his advisory work, Harris leads an insurance coaching business and is authoring a book on retirement income planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options and over $250 billion in assets under management.

John Rogers is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked for Franklin Templeton Financial Services Corp. and Franklin/Templeton Distributors, Inc. He is also involved in running an investment-related DBA, Teller Rogers 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a range of non-advisory financial offerings.

Charles Krick is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 designation with 14 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2012 and is currently associated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations as part of its advisory process.

Stephen Metzger is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2016 with a brief period at Commonwealth Financial Network and Blue Heron Financial Group. In addition to his advisory role, Metzger teaches at Anne Arundel County Public Schools. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Ingrid Lamb is a financial advisor with Ameriprise in Annapolis, MD, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. She previously worked at Money Concepts Capital Corp for 24 years before joining Ameriprise in 2026. Outside of advisory work, she owns Bayview Financial Consulting LLC, which provides tax preparation services. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, with a specialized Premier Retirement Income service offering tailored retirement-income planning that includes written recommendation reports and ongoing advice based on research, data, and proprietary tools.