Ryan Kirby is a financial advisor with Snowden Capital Advisors LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He previously worked at Merrill from 2004 to 2017 before joining Snowden Lane Partners in 2017. Outside of his advisory role, he serves on the boards of Atlantic General Hospital Foundation and Diakonia, a nonprofit providing emergency shelter and food to the homeless, and acts as treasurer for the Stray Fox Homeowners Association; he also officiates youth basketball games in Ocean City. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and institutional clients by offering discretionary and non-discretionary portfolio management, investment consulting, and financial planning. The firm combines multi-team scale with institutional capabilities, providing customized model portfolios and utilizing third-party managers while maintaining overall client oversight.

Hillary Leffler is a Series 66-licensed advisor with five years of industry experience, currently affiliated with Mutual of Omaha Investor Services, Inc. She has previously worked at firms including The Leaders Group Inc, Betz Financial Advisory, Lincoln Financial Securities, and Academy Financial. Outside of her advisory role, she owns a permanent jewelry business called LAYERED & LINKED. Mutual of Omaha Investor Services, Inc. provides advisory services to individuals, corporations, and qualified retirement plans, offering financial planning, managed account programs, and retirement consulting. The firm operates primarily through Envestnet and Pershing platforms and integrates advisory, broker-dealer, and insurance distribution businesses within the Mutual of Omaha group.

Linda Derickson is a financial advisor with Founders Financial Securities LLC, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. She has been with Founders Financial Securities since 2008 and operates her own financial planning business, Derickson Financial, where she provides client consultations, financial plans, and investment strategy evaluations. Founders Financial Securities serves individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients through a network of advisers. The firm offers portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing a range of advisory platforms and model-based strategies.

Michael Mannone is a financial advisor at CreativeOne Securities, LLC with 42 years of industry experience. He holds the ChFC® designation along with Series 63 and 65 licenses. His prior experience includes roles at Hornor Townsend & Kent Inc and Penn Mutual Life Insurance Co. In addition to his advisory work, he is an agent involved in life insurance and fixed annuity sales through Sawyer Wealth Management. CreativeOne Securities, LLC is a multi-advisor registered investment adviser serving individuals, retirement plans, trusts, charitable organizations, and business entities through a network of 127 advisors. The firm provides financial planning, discretionary and non-discretionary portfolio management, retirement-plan fiduciary services, and access to third-party managers and proprietary advisory platforms.

Todd Weller is a financial advisor with Stephens in Ocean City, MD, holding Series 63 and Series 66 licenses and 15 years of industry experience. Prior to joining Stephens in 2024, he worked at ZeroFox Inc, Threater Inc, and CyberXperts LLC. Stephens provides investment advisory and wealth-management services to individuals, pension plans, foundations, corporations, and institutional clients. The firm emphasizes tailored portfolio programs with committee-based oversight and combines substantial broker-dealer and investment banking activities alongside its advisory services.

Adam Grace is a financial advisor at Valic Financial Advisors with a Series 66 designation and three years of industry experience. His prior work includes positions at Agia and Weinkam & Weinkam, P.A., as well as entrepreneurial experience with Grace Lawn Care. He also has involvement with non-securities insurance products through a role at Agia. Valic Financial Advisors serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, wrap programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Michael Rogers is a financial advisor with Transamerica Retirement Advisors, LLC, holding Series 66, 63, and 65 credentials and 30 years of industry experience. His career includes roles at Transamerica Investors Securities Corporation, Transamerica Life Insurance Company, Prudential affiliates, M&T Securities, and CUNA Mutual Group. Outside of finance, he is active as a musician, playing bass, guitar, and singing. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through various advice and education programs that focus on asset allocation, contribution rate, and retirement age guidance. The firm uses Morningstar Investment Management’s proprietary tools for portfolio construction and manages a large client base primarily with non-discretionary assets.

Gia Raines is a financial advisor with PNC Wealth Management, holding a Series 66 designation and 19 years of industry experience. She has been with PNC Investments since 2008. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithm-driven risk assessment and invests primarily in mutual funds and ETFs.

Brittany Pridgeon is a financial advisor with SPC, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. Her prior work includes nearly a decade at OSAIC, and she has additional roles outside finance such as volunteering as a general council member for the Atlantic General Hospital Foundation and owning an LLC that provides marketing and business administration support to local small businesses. SPC offers investment management, financial planning, and retirement-plan advisory services to a diverse client base, delivering tailored advice through a large network of advisors and maintaining distinct operational partnerships with broker-dealers and third parties.

Daniel Crocker is a CFP® with 36 years of industry experience, currently affiliated with LPL Financial. He has worked at LPL Financial and its predecessor firms since 1994 and has also been involved with Private Advisor Group, LLC since 2014. Outside of his advisory roles, he operates Sage Financial LLC, an independent investment advisory firm. LPL Financial offers advisory and brokerage services to a wide range of clients, including individual investors, retirement plan participants, institutions, and high-net-worth households. The firm supports its advisors with an in-house research team and provides diverse investment solutions such as model portfolios, third-party asset management, and both advisory and brokerage services.

David Ryan is a financial advisor with Private Advisor Group, LLC and holds Series 63 and Series 66 licenses. He has 20 years of industry experience, including roles at LPL Financial LLC, Compass Investment Advisors, and Philadelphia Gas Works. Private Advisor Group serves a diverse client base, offering discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting. The firm provides access to multiple advisory programs, third-party managers, and a firm-managed separately managed account platform, utilizing a range of analytical approaches and client-centered solutions.

Jeriene Reed is a financial advisor with PNC Wealth Management who holds Series 63 and Series 66 licenses and has 32 years of industry experience. Prior to joining PNC Wealth Management in 2026, she worked at Edward Jones, Charles Schwab & Co., Inc., and TD Ameritrade. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available by invitation to employees with PNC Bank online-banking credentials. The firm uses approved model strategies managed by PNC or third-party strategists and emphasizes algorithmic risk assessment and third-party portfolio implementation.

Dahri Jahn is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. In his role, he works closely with business owners to help secure their wealth and maximize the value of their exit strategies. Dahri and his team utilize Merrill's Proprietary Financial Modeling Tool, the Personal Wealth Analysis, to assist clients in planning for business transitions, advanced tax mitigation, philanthropic planning, and protecting their family wealth. Dahri's areas of expertise include corporate executive services, executive compensation, family wealth management strategies, legacy planning, philanthropic planning, and tax minimization. He holds several professional designations, including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He graduated from the University System of Maryland with a Bachelor's Degree and resides in Bethesda, MD. Dahri's personal interests include hiking, reading, running, and traveling.

John Kelly is a financial advisor at Raymond James & Associates with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Raymond James since 2016. Outside of his advisory role, he serves as a trustee of the University of Pennsylvania Lacrosse Board, providing guidance and support to the men's and women's lacrosse programs. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering non-discretionary investment consulting and financial planning supported by a broad range of portfolio management strategies and affiliated research.

Lucas Holmes is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on helping individuals and families develop personalized wealth management strategies tailored to their financial goals and changing market conditions. Lucas specializes in areas including college education planning, equity compensation services, legacy planning, portfolio management, and tax minimization. He works closely with clients navigating career transitions, providing guidance on workplace benefits, retirement accounts, and investment strategies to align with both short-term priorities and long-term objectives. He holds a Bachelor's Degree from Salisbury University and the Personal Investment Advisor (PIA) designation. Lucas is active in professional organizations such as the Greater Ocean City Chamber of Commerce and the Salisbury Chamber of Commerce, and participates in community activities including Relay for Life. Outside of work, he enjoys baseball, basketball, and golfing.

George Athas Jr. is a financial advisor with Stifel in Ocean Pines, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Stifel since 2007. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Robert Bianca is a Senior Financial Advisor with Merrill Lynch Wealth Management, where he has worked for over 30 years. In his role, he focuses on providing personalized financial planning and investment strategies tailored to his clients' unique goals and priorities. His areas of expertise include college education planning, divorce transition planning, socially responsible and values-based investing, special needs planning strategies, individual and corporate investment strategy, tax minimization, and retirement income planning. Robert holds a Bachelor's degree from the University of Maryland and an MBA in Finance from Loyola College. He is also a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Robert's approach emphasizes simplicity and transparency in wealth management, aiming to help clients manage and achieve their financial objectives while aligning with their personal perspectives.

Katherine Armstrong is a CFP® professional with 23 years of industry experience, currently affiliated with OSAIC since 2025. She previously worked at Lincoln Financial Advisors Corp for 21 years and has been associated with Johns Hopkins University since 1992. Armstrong is involved in offering accident and health insurance, disability, fixed annuities, long-term care insurance, and traditional life insurance as an agent. OSAIC serves a broad range of retail and institutional clients through a large network of financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools and risk-tolerance assessments to manage diverse portfolios including stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Michael Devincentis Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and totaling 40 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

William Mustin is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in the financial services industry in 1996 after building and selling a contracting company. His background includes a lifelong interest in investing, which started in high school. William’s areas of focus include executive compensation, family wealth management strategies, employee financial health, managing new wealth, personal retirement planning, philanthropic planning, tax minimization, and retirement income. He prioritizes cultivating close relationships with clients to address their financial goals related to lifestyles and legacies. William holds the Personal Investment Advisor (PIA) designation and earned an Associate's Degree from Arundel College. Outside of work, William resides in Bel Air, Maryland with his wife, Melissa. He enjoys spending time outdoors fishing, hunting, cycling, and woodworking. He is involved in supporting Shriner’s Children’s Hospital and other non-profit organizations.