Kyle Livingston is a financial advisor with LPL Financial in Salisbury, MD, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches and incorporating research from LPL Research and third-party subadvisors.

Daniel Gardiner is a financial advisor with LPL Financial in Salisbury, MD, holding the Series 66 designation and three years of industry experience. Prior to joining LPL Financial, he worked at Bank of America, N.A. and Merrill from 2022 to 2025 and previously spent seven years at M&T Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services supported by research and model portfolios.

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.

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.

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.

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 with LPL Financial and holds a Series 66 designation. He has four years of industry experience and previously worked at Ameritas Advisory Services, Ameritas Investment Company, and M&T Bank. Outside of his advisory role, Boerner owns a small accounting firm that provides bookkeeping, consultation, and tax preparation services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, and institutions. The firm offers diverse financial planning and advisory programs supported by various model portfolios, research resources, and advanced portfolio management technologies.

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 Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in developing and executing customized wealth strategies for individuals, families, and organizations. Since joining Merrill in 1998, he has worked closely with clients to address areas including estate planning, retirement strategy, asset allocation, and insurance analysis. Chad also advises both for-profit and not-for-profit organizations on qualified retirement plans, endowments, and investment compliance, helping plan sponsors with fiduciary responsibilities and participant education. In addition to his client advisory role, Chad’s experience includes directing a Merrill office in Washington, D.C., where he supported Advisors in delivering comprehensive financial strategies. Previously, he served as Assistant Secretary of Health and Human Resources for the Virginia Governor’s Office, where he managed communications and legislative efforts related to health and social welfare. Chad earned a Bachelor of Arts degree in Leadership Studies and Communications from the University of Richmond. He holds the CERTIFIED FINANCIAL PLANNER® designation awarded by the Certified Financial Planner Board of Standards, Inc. Outside of his professional work, Chad enjoys hiking, running, skiing, traveling, and spending time with his family.

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.

Michael Thomas is a financial advisor at Equitable Advisors with 34 years of industry experience. He has held his current position since 2005 and previously worked at AXA Advisors, LLC from 2005 to 2020. Thomas is registered with Series 63 and Series 65 credentials. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

Joseph Wilson is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leads The Wilson Group & Associates team, which he founded in 2019 to provide personalized financial advice with a focus on sustainable and responsible investing. Joseph works with affluent individuals and families to simplify their financial lives and align their investments with their values, particularly through impact and Environmental, Social, and Governance (ESG) investing. Joseph began his financial services career in 1999 with Salomon Smith Barney and joined Merrill in 2014 to adopt a goals and advice-driven approach for his clients. He holds the Chartered SRI Counselor (CSRIC) designation and the Personal Investment Advisor (PIA) credential. Joseph earned a Bachelor's Degree from Kenyon College. Residing on Milwaukee's East Side, Joseph has three adult children. Outside of work, he enjoys boating on Milwaukee's rivers and Lake Michigan, reading, and swimming.

Derek Fairchild is a financial advisor with Mass Mutual Investors Services and holds Series 63 and Series 65 designations. He has nine years of industry experience, including prior roles at New York Life Securities LLC and Clipper Magazine. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars using firm-approved analysis tools to support collaborative, annual planning engagements.

Brian Selzer is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. He previously worked at Bank of America, N.A. and Merrill. Selzer is co-owner of Selzer & Associates, LLC, where he manages his Ameriprise business. Ameriprise provides retirement-income planning services aimed at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis delivered through a centralized consulting team to support client financial goals.

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.

John Kilian is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined Merrill Lynch in 2017 in Rockville, MD, to build a wealth management practice assisting individuals and families in the DMV area. In 2019, he relocated back to his hometown of Salisbury, MD, to join the Kilian-Kangas Group, where he serves a diverse clientele that includes business owners, retirees, and professionals in the Eastern Shore region. John's expertise focuses on serving business owners who are planning their financial transitions. He utilizes advanced financial planning tools and offers services designed to optimize exit strategies, integrate tax mitigation, and preserve wealth. His practice encompasses employee benefits planning, family wealth management, legacy planning, managing new wealth, personal retirement planning, and retirement income strategies. He holds a Bachelor's Degree from Salisbury University and professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Outside of work, John enjoys baseball, basketball, golfing, music, and running.

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.

Joseph Ries IV is a financial advisor at Stifel with 29 years of industry experience. He has held the ChFC® designation and securities licenses Series 63 and Series 65. Ries has worked at Stifel since 2007. He serves as a board member of Scottish Rite Holding Company. Stifel provides brokerage and investment advisory services to a broad client base, including individuals, institutional clients, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer capital market analysis and asset allocation guidance.

Tylor Lennox is a Series 66-licensed financial advisor with eight years of industry experience, currently with Cambridge Investment Research Advisors since 2019. Prior to his financial advisory career, he worked in the restaurant industry and has served on the Worcester County Chamber of Commerce board in Ocean Pines. He is also the owner of Lennox Distribution, LLC, a retail sales business. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement advisory services through a large network of independent professionals. The firm provides multiple investment platforms and both discretionary and non-discretionary portfolio management options, with proprietary and third-party model strategies.