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.

Christina Seidel is a financial advisor at Merrill with 12 years of experience, including her entire tenure at Merrill since 2014. She holds a Series 66 designation and is based in Easton, 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 offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Allyson Adkins is a financial advisor at RBC Capital Markets with four years of industry experience. She holds a Series 66 designation and has worked previously at Folger Nolan Fleming Douglas Inc., the US Department of Agriculture, and Atlantic Financial Group. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, along with integrated financial planning, custody, and brokerage services.

William Fryer is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Folger Nolan Fleming Douglas Inc. and PNC Investments prior to joining RBC. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Ishmael Willey IV is a Financial Advisor at Merrill Lynch Wealth Management. He holds the Chartered Retirement Planning Counselor (CRPC) designation. Information about his experience, areas of expertise, education, or personal interests is not provided.

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.

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 been with LPL Financial since 2016 and also works as a teacher with Anne Arundel County Public Schools. Additionally, he is commissioned as a notary public with the American Association of Notaries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

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.

Patrick Delaney is a financial advisor at Cambridge Investment Research Advisors with 20 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for IBN Financial Services, Inc. for 10 years. Outside of his advisory role, Delaney serves as president of M&D Financial Agency Inc., an insurance and benefits firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, providing both proprietary and third-party investment strategies tailored to client objectives.

Scott Gundersen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and 34 years of industry experience. He previously worked for Federated Global Investment Management Corp and its affiliated entities from 1997 to 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Kathryn Pratt is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling techniques.

Eric Silk is a CFP® professional with 29 years of industry experience, currently advising at Wells Fargo Advisors in Annapolis, MD since 2009. He is a 20% owner of Private Wealth Partners LLC, a financial practice based in Annapolis, and serves as co-trustee for a 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs planning, using proprietary research and tools.

Kevin Voelling is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Ameriprise, J.P. Morgan Securities, and PNC Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and utilizes both discretionary and non-discretionary management supported by proprietary and third-party research.

Sarah Kosmerl is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Tribe Cycle, Lyons & Sucher, and Hats and the Belfry. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by extensive research and technology tools.

Yashar Gogerdchi is a CFP® professional with 19 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2019. His prior experience includes roles at Summit Financial Group Inc and Summit Brokerage Services from 2016 to 2019. Outside of his advisory duties, he serves as a board member for the Triton Woods Community HOA and operates his own financial planning business under Shar Gogerdchi Financial Planning. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of platform and custody arrangements and proprietary as well as third-party model strategies.

Jason Bogaczyk is a financial advisor with LPL Financial in Stevensville, MD, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Kestra Financial Services and Sandy Spring Investment Services. Outside of his advisory work, he is involved with B.A.M. Consulting LLC, a business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Ryan Sangster is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, PNC Investments, and PNC Bank. 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, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Frank Sokola is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients since 2013. He provides financial advice and guidance to successful individuals and families, focusing on areas such as college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, special needs planning strategies, individual and corporate investment strategy, and retirement income. Frank aims to assist clients in clarifying investment opportunities and understanding market conditions to help them pursue their financial goals. He holds dual Bachelor's degrees from Wilkes University, where he also played college baseball. Frank is a Personal Investment Advisor (PIA) and is committed to delivering service supported by extensive resources that enable clients to explore financial strategies and pathways. Born in Wilkes Barre, Pennsylvania, Frank grew up on a lake and enjoys spending time on the water. His personal interests include antiquing, baseball, boating, fishing, golfing, hunting, running, skiing, surfing, and spending time with his family.

Kevin Cotherman is a financial advisor with Ameriprise in Annapolis, MD, holding Series 63 and Series 65 designations and bringing 12 years of industry experience. His prior work includes roles at Bank of America and Merrill. He serves on the board of directors for Hope Connections, a nonprofit organization. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing 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 clients, with an emphasis on assets held in Ameriprise managed accounts.