Mark Wiley is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Bank of America, Merrill, and ActioNet. Wiley is also a licensed enrolled agent providing tax services. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and trusts through a network of independent financial professionals. The firm offers a range of services including financial planning, investment management, and retirement plan advisory, utilizing both proprietary and third-party investment strategies across multiple custody platforms.

Mandy Bittner is a financial advisor at Stifel with 12 years of industry experience. She has held roles at Rice Consulting LLC and has been with Stifel since 2018. Bittner holds a Series 66 credential. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary capital market assumptions and probabilistic modeling provided by its Investment Strategy Group.

William Thal III is a financial advisor with LPL Financial in Bel Air, MD, holding Series 63 and Series 65 credentials and possessing 30 years of industry experience. He has worked at LPL Financial since 2011 and was previously with Wells Fargo Clearing for nine years. Thal also operates a separate wealth management business under the name W. Thal 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 financial planning and portfolio management services through a large network of advisors, utilizing various model portfolios and customized strategies.

Hunter Leed is a financial advisor with OSAIC, holding a Series 66 designation and two years of industry experience. Prior to joining OSAIC, he worked at Lincoln Financial Advisors Corporation and has a background that includes service with the United States Coast Guard. Outside of his advisory role, he is also involved as an insurance agent with Mylestone Plans, focusing on a variety of insurance products. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a broad network of advisors. The firm offers a range of financial services and employs various investment tools and third-party platforms to construct and manage portfolios on both discretionary and non-discretionary bases.

Matthew Herbert is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he began his career as a Financial Advisor in January 2003. He works with affluent families, accomplished professionals, and successful business owners, providing goals-based wealth management supported by a team of specialists. Matthew focuses on cultivating long-lasting client relationships through customized advice, disciplined investing, and exceptional service. His areas of expertise include education planning, employee benefits planning, family wealth management strategies, liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, and retirement income. Matthew holds multiple professional designations including CERTIFIED FINANCIAL PLANNER™ (CFP), Chartered Retirement Planning Counselor™ (CRPC), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned a Bachelor’s degree from Fort Lewis College with a focus in Eco-Psychology. Matthew is involved with the Boys and Girls Club of Harford and Cecil County. Outside of work, he spends time with his wife and daughters, often attending their lacrosse and field hockey games as well as their performances. He has interests in boating, camping, cooking, football, hiking, music, skiing, swimming, and traveling.

Nikolaos Kostakis is a financial advisor with J.P. Morgan Securities in Nottingham, MD, holding Series 63 and Series 66 designations and six years of industry experience. His prior roles include positions at Bank of America/Merrill Edge, T. Rowe Price, and New York Life Insurance. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Stephanie McClenny is a financial advisor with Wells Fargo Advisors in Bel Air, MD, holding a Series 66 designation and eight years of industry experience. She worked at Merrill from 2013 to 2020 before joining Wells Fargo Advisors, where she has been since 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, utilizing proprietary research and tools to develop customized recommendations.

Daniel Rambow is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. His prior work includes roles at MBGC, LLC and Bank of America, N.A. He has also held various positions in educational settings, including at the University of Tennessee-Knoxville and several schools in Maryland. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Hugh Mc Carthy is a financial advisor with Edward Jones in Bel Air, MD, holding the ChFC®, Series 63, and Series 65 designations and bringing 28 years of industry experience. Prior to joining Edward Jones in 2017, he worked at F.N.B. Corp and was involved with Team Beachbody. Outside of his advisory role, he is a member and owner of an investment company focused on office property in Marshfield, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets with a large network of advisors and branch offices, offering a range of advisory programs and affiliated investment products under a fiduciary standard.

Sean Williams is a Certified Financial Planner® with 20 years of industry experience, currently advising at Cambridge Investment Research Advisors since 2016. He is a board member of Redeemer Classical Christian School. Sean also holds a role as a wealth advisor at Sojourn Wealth Advisory LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations, through a broad range of financial planning and investment management services. The firm offers tailored strategies via multiple platform arrangements and provides both proprietary and third-party model solutions.

Philip Buchanan is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has worked at Cambridge Investment Research Advisors since 2007 and has been involved with several related financial and insurance businesses since the mid-1990s. Additionally, he has served in the United States Army Reserve since 1986. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, retirement plans, charitable organizations, and other clients through a network of independent Financial Professionals. The firm offers financial planning, investment management, and retirement plan advisory services using a range of portfolio management strategies and platforms.

Kevin Glatz is a Series 66 licensed financial advisor with Merrill in Bel Air, MD, and has 3 years of industry experience. He has been with Merrill since 2005. Merrill, along 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Nicole Kalinosky is a financial advisor at UBS Financial Services with 24 years of industry experience. She has been with UBS since 2009 and holds a Series 66 designation. Outside of her advisory role, she is involved with St. Stephen Roman Catholic Church and participates in providing Juice Plus+ products to interested individuals without solicitation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, combining institutional trading capabilities with wealth management services tailored to clients’ goals and risk tolerances.

Robert Dyer Sr. is a CFP® with 42 years of experience in the financial services industry. He is currently with OSAIC and has held previous roles at Securities America Advisors, Investacorp Advisory Services, and Compass Financial Group. Outside of advisory work, he is involved in life and health insurance sales and serves as co-trustee of a family member’s special needs trust. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management with access to third-party money managers and alternative investment options.

Angela Shrewsberry is a financial advisor at Raymond James Financial with 10 years of industry experience. She previously worked at Merrill Lynch for five years and Harford County Public Schools for three years. Outside of advising, she holds an associate position at Crescendo Financial Group LLC, focusing on administrative duties. 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 entities. The firm offers tailored, non-discretionary planning and employs analytical tools to support its recommendations, while also maintaining specialized programs in municipal finance and SIMPLE IRA employer advisory services.

Stephanie Cassedy is a financial advisor with Osaic who holds a Series 66 designation and has 16 years of industry experience. She previously worked at Lincoln Financial Securities for 17 years before joining Osaic in 2025. Cassedy also operates a sole proprietorship offering traditional life insurance products, including equity-indexed and fixed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients, providing integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation and risk-assessment tools to construct portfolios across a broad range of investment vehicles, managed on discretionary or non-discretionary bases.

Ryan Green is a Series 66 licensed financial advisor with Stifel in Bel Air, MD, where he has worked since 2020. He has five years of industry experience, including prior roles at Concrete General and ATI Physical Therapy. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Michael Clayton is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Harford Financial Group and Cambridge Investment Research Inc. Outside of his advisory roles, he serves as a volunteer committee member at Bethlehem Church in Baltimore, MD. 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 advisory services through a network of independent professionals, utilizing both proprietary and third-party model strategies across multiple custody platforms.

Bryon Knoble is a Series 66 licensed financial advisor with 15 years of industry experience, currently with Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for one year. Outside of his advisory role, he serves as president of Maryland Resource Network, LLC, a networking and referral group. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Paul Applegate is a financial advisor with Edward Jones in Aberdeen, MD, holding a Series 66 designation and one year of industry experience. He previously worked for the Town of Elkton for 15 years. Outside of advising, he owns and manages a rental property in North East, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs and investment options supported by a large network of financial advisors and branch offices nationwide.