Daniel Gardiner is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, and M&T Bank. Gardiner is currently associated with both LPL Financial and M&T Bank in Salisbury, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Gail Nelson is a financial advisor with Morgan Stanley in Salisbury, MD, holding Series 63 and Series 66 licenses with 29 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving 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 uses structured planning tools and models developed by its Global Investment Committee to assist clients in their financial planning.

Mason Little is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior work includes nine years with Wells Fargo Advisors and six years associated with CFS Financial and Cetera Advisors LLC. Cetera Investment Advisers LLC serves individuals across wealth levels, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of portfolio management options and access to third-party money managers, supporting both discretionary and non-discretionary account structures.

Scott Wight is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and bringing 13 years of industry experience. His prior roles include positions with Nationwide Financial and Cetera Advisor Networks, and he also serves as Vice President of Operations at Wilgus Insurance Agency Inc. Additionally, he owns The Shore Solution LLC, a real estate rental business. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers diverse portfolio management options and operates a multi-manager platform that provides access to affiliated and third-party money managers across various discretionary and non-discretionary program structures.

Corey Boerner is a financial advisor affiliated with LPL Financial with five years of industry experience. He holds a Series 66 designation and has worked at firms including Ameritas Advisory Services and M&T Bank. Outside of his advisory role, Boerner owns a small accounting firm providing bookkeeping, consultation, and tax preparation services. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

John Deysher Jr. is a financial advisor with Mass Mutual Investors Services, holding a Series 65 credential and bringing 37 years of industry experience. His prior roles include nearly three decades at Metlife Securities Inc. He is also licensed as an insurance agent, offering individual life, property/casualty, and health insurance. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and investment advisory services to individuals, business owners, trusts, and charitable organizations. The firm employs collaborative, software-driven financial planning methods and offers various programs including asset management and educational seminars.

Chad Clark is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill and Bank of America since 2016, as well as at Morgan Stanley and Morgan Stanley Private Bank from 2015 to 2016. Merrill serves a broad range of clients, including individuals, retirement plans, corporations, and institutional clients, providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm emphasizes managed account and manager-selection capabilities and leverages integration with Bank of America affiliates and capital markets platforms.

James Zimmerman is a CFP® professional with five years of industry experience currently affiliated with Cetera. He has worked at Cetera Advisors LLC and Hammond Wealth Management and maintains ownership of Bryant's Landscaping alongside his financial advisory role. Zimmerman is involved in landscaping businesses outside the financial sector. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager investment platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Malgorzata Magathan is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and 21 years of industry experience. She has been with Morgan Stanley and its affiliates since 2007. Outside of her advisory role, she is the owner of Painting by the Sea, Inc., a business she has operated since 2000. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning services. The firm employs structured planning tools and investment research to support its advisory process, managing approximately $2.74 trillion in client assets.

Danielle Moore is a financial advisor at Ameriprise with 20 years of industry experience. She holds a Series 66 designation and has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she serves as Vice President of JDT Together Inc., an S-corporation she helped establish. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset requirements, offering tailored recommendations on income sources, Social Security options, and tax-efficient withdrawal strategies. The firm also delivers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Sarah Edwards is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, she worked at the American Nurses Association for five years. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices. The firm operates under a fiduciary standard and provides both discretionary and non-discretionary strategies, as well as affiliated mutual funds and other investment services.

David Esham is a financial advisor with Morgan Stanley in Salisbury, MD, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Outside of advising, he is the managing member and sole owner of Thunderstick Farm, LLC. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, supporting a range of investment and financial strategies.

Craig Booth is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 credentials and has 33 years of industry experience. His prior work includes roles at Securities America Advisors and PNC Investments. Booth is also involved in insurance sales through his businesses Timberlake Advisors and Booth Financial Group, soliciting and recommending insurance products. Osaic Wealth, Inc. serves a broad range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on diversified portfolios, utilizing asset-allocation tools and third-party money managers.

Zachary King is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has held various roles in financial services and mortgage companies. He is also the operations manager at Comprehensive Financial Solutions, a financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a range of portfolio management and consulting services, employing a multi-manager platform with various program options and custodial relationships.

Joseph Garner is a financial advisor at LPL Financial with six years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Grove Point Investments LLC and David Lerner Associates. Outside of his advisory role, he is involved with Garner Group Financial, LLC, a non-variable insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a broad range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides access to financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Matthew Unger is a financial advisor at LPL Financial with 14 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at M&T Securities for seven years before joining LPL Financial in 2021. 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.

Joshua Currence is a financial advisor at Morgan Stanley with 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2018. Prior to that, he held positions at Exact Sciences, SkyBlue Consultants LLC, and Takeda. He holds a Series 66 designation. Morgan Stanley Wealth Management 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 a structured financial planning process supported by firm-approved tools and modeling techniques.

Matthew Danmyer is a CFP® professional with nine years of industry experience, currently serving at Cetera. His prior roles include positions at Merrill, Bank of America, MFS Wealth LLC, and Montgomery Financial Services. He is also engaged with Comprehensive Financial Solutions, Inc. as a certified financial planner. Cetera Investment Advisers LLC is an SEC-registered adviser with a nationwide network of over 10,000 advisors, serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

David Livingston is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Truist Bank for five years and Sam's Club for six years. He is also a commissioned notary in the state of Maryland. 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 portfolios, third-party asset management, and institutional platforms.

Kelly Elliott is a financial advisor with Edward Jones in Salisbury, MD, holding a Series 66 designation and having one year of industry experience. Prior to joining Edward Jones, Elliott worked at PNC for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies and maintaining affiliated capabilities such as a trust company and proprietary mutual funds.