Kevin Bultman is a CFP® and ChFC® with 38 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked at Grove Point Investments, LLC, Grove Point Advisors, LLC, and H. Beck, Inc. He has operated his own firm, Kevin F. Bultman, LLC, since 2004 and is also involved with The BJ Executive Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of advisory strategies supported by research and technology tools.

Michelle Sin is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, and retirement income. Michelle's approach focuses on connecting all aspects of her clients' financial lives to help prioritize and pursue their most important goals. Michelle graduated from Towson University in 1995 with a bachelor's degree in Business Administration, concentrating in Finance. She began her career at Morgan Stanley, where she worked for 10 years, followed by three years at Ferris Baker Watts before joining Merrill Lynch with her team. She holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). Michelle resides in Bel Air with her husband and three sons. She is active in the Korean-American community and volunteers at her sons' schools. Her community involvement includes participation with the Bel Air Chem Free Association, Bel Air High School, Bel Air Rec Council, FOBAS, and Harford Technical High School. In her free time, Michelle enjoys cooking, music, reading, tennis, traveling, yoga, and spending time with her family.

Guy Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 36 years of industry experience. He previously worked at VOYA Financial Advisors from 2014 to 2021 and has been with Cetera and Cetera Wealth Services since 2021. Outside of his advisory role, he is also an independent insurance agent and is involved with INOVA Financial Associates. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Aaron Stephenson is a CFP® and holds a Series 66 license with 10 years of industry experience. He has been with Edward Jones since 2014, based in Bel Air, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of financial advisors and branch offices.

Clayton Ulman is a Series 66-licensed financial advisor with 23 years of industry experience. He has been with LPL Financial since 2006, following a two-year tenure at Hornor, Townsend & Kent, LLC. Outside of his advisory work, he is involved in non-variable insurance sales, including disability, health, long-term care, and life insurance. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools and a large network of over 22,800 advisors.

John Fisher is a financial advisor at Edward Jones with 13 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Jones Jr. is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. His prior work includes roles at Fidelity, Avantax, Bank of America, Merrill, and Bluemount Financial. Outside of his advisory career, he operates Sonic Squirrel Productions, providing video editing and music composition services. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, financial planning, and access to third-party money managers.

Tyler Grabner is a financial advisor with LPL Financial in Lutherville, MD, holding Series 63 and Series 66 credentials and six years of industry experience. His prior roles include positions at Grove Point Advisors, LLC, Grove Point Investment, LLC, Grabner Financial, and T. Rowe Price. He is also involved with Grabner Financial, a separate business focusing on non-variable insurance. 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 wide range of financial planning and asset management services through a large network of advisors, supported by advanced operational tools and multiple affiliated financial offerings.

Ian Frank is a financial advisor at Charles Schwab with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Charles Schwab since 2022, following seven years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through Schwab Wealth Advisory’s wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and alternative investment options supported by Schwab Center for Financial Research.

Stephanie Kormanis is a financial advisor with Merrill in Towson, MD, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill since 1999. Outside of her advisory role, she serves as General Partner and Managing Member of Kormanis Properties LLC, a business related to a condominium in Ocean City, 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Paul Taber is a financial advisor with Cambridge Investment Research Advisors, holding the CFP® and PFS™ designations and possessing 23 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2017, previously affiliated with National Planning Corporation and operating Taber Financial Services, LLC since 2002. Outside of his advisory roles, he serves as a scoutmaster for a local Boy Scout troop in Jarrettsville, MD. Cambridge Investment Research Advisors serves a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides various investment solutions, including proprietary and third-party model strategies, delivered via multiple platforms with discretionary and non-discretionary options.

Paula Gay is a financial advisor at RBC Capital Markets with 30 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked for Merrill for 22 years before joining RBC Capital Markets. 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 range of advisory programs and tailors investment strategies to clients’ risk profiles using both in-house and third-party managers.

Melissa Mullan is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 23 years of industry experience. She has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2010 and is also associated with Harford Financial Group, where she has served as an independent insurance agent and holds a secretary role. Additionally, she serves on the finance committee of St. Mary of the Assumption Church. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts by providing financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm offers multiple investment platforms and strategies, including proprietary models and access to third-party managers, with features aimed at supporting advisor business relationships and compliance.

Baylee Gray is a Financial Advisor at Merrill Lynch Wealth Management, specializing in assisting individuals, families, and business owners with financial strategies focused on investing, retirement, and long-term planning. She emphasizes building trust and meaningful relationships with clients to understand their priorities and develop practical approaches to wealth management. Prior to her career in financial advising, Baylee worked as an Emergency Medical Technician (EMT), where she gained skills in critical thinking, effective communication, and maintaining composure under pressure. She then spent several years supporting high-performing advisory teams, acquiring experience in investment management, financial planning, and client service. This background informs her straightforward and personalized approach to financial decision-making. Baylee holds a Bachelor's Degree from the University System of Maryland and an MBA from the Louisiana State University System. She has earned the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Additionally, she is involved with the University of Maryland Medical Center.

Max Hoffman is a Series 66 licensed financial advisor with two years of industry experience. He is currently with Fidelity Investments and previously worked at Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction.

Clayton Wright Jr. is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2010, following prior roles at Morgan Stanley from 2004 to 2010. Outside of his advisory work, he also prepares taxes seasonally in collaboration with a regional tax preparation firm. 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 provides a broad range of advisory services through a large network of investment adviser representatives, utilizing various portfolio strategies and technology tools to support client investment management.

Douglas Madairy is a financial advisor with Cambridge Investment Research Advisors in Phoenix, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior work includes roles at National Planning Corporation and his own CPA practice, which he has maintained since 1987. He is also involved in independent insurance sales and tax preparation activities. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory services through a network of independent professionals. The firm offers a variety of portfolio management options across multiple platforms, combining proprietary and third-party strategies tailored to client needs.

John Bish is a financial advisor with Wells Fargo Advisors and holds a Series 66 designation. He has 25 years of industry experience, including 17 years at Stifel Independent Advisors, LLC. Outside of his advisory work, he serves as an adjunct professor of finance at Wilmington University and is a board member of American Paradigm Schools, a public education organization. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services that address various financial needs and uses Wells Fargo research and tools to develop tailored recommendations for its clients.

Joseph Morgan is a financial advisor at Osaic with 34 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Lincoln Financial Advisors Corporation for 33 years. Outside of his advisory role, he is involved in philanthropic activities, including ownership of The Morgan Family Foundation, which raises funds for dyslexic schools and programs in Maryland, and serves on the board of a dyslexia tutoring non-profit. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated financial services through a large network of advisers, utilizing asset-allocation tools and multiple advisory platforms to support customized portfolio management.

Sueann Griffin is a financial advisor with Robert W. Baird & Co. in Towson, MD, holding a Series 66 designation and 28 years of industry experience. She has been with Robert W. Baird & Co. since 2009. The DDK Group, part of Robert W. Baird & Co.’s Private Wealth Management department, serves individuals, corporate and business clients, pension and profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, portfolio management, separately managed accounts, and custody and brokerage services, with investment strategies supported by ongoing manager selection, internal research, and the use of artificial intelligence.