Allyson Wade is a financial advisor with LPL Financial in Salisbury, MD, holding a Series 66 license and seven years of industry experience. She previously worked for Lincoln Financial Advisors for six years and served in the Military Sealift Command for twelve years. Outside of her advisory role, Wade is employed by Visiting Angels, a non-investment-related business where she has worked since 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, 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.

Kyle Livingston is a financial advisor with LPL Financial in Salisbury, MD, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has been with LPL Financial since 2016 and operates under Livingston Wealth Management, LLC, a registered entity associated with his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, supported by extensive technology and research resources.

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.

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 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.

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 with Equitable Advisors, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has worked at Equitable Advisors since 2005 and previously was with Axa Advisors and Mony Securities Corporation. He is also a member of The CT Group, LLC. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by providing financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm employs a range of investment models and third-party program sponsors to deliver tailored advisory solutions.

Joseph Wilson is a financial advisor at Merrill with 38 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1991, concurrently affiliated with Bank of America since 2009. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients by offering managed account programs, discretionary portfolio management, and brokerage execution services. The firm emphasizes manager selection and tax-efficient investment strategies, leveraging its integration with Bank of America affiliates and a comprehensive capital-markets platform.

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 financial advisor with Merrill, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has worked at Merrill since 2008 and at Bank of America, N.A. since 2011. Outside of his advisory role, he serves as a committee member on the board of directors for the Salisbury Symphony Orchestra, a charitable organization. Merrill serves a broad client base including individuals, retirement plans, corporations, and institutional clients by offering managed accounts, third-party manager selection, discretionary portfolio management, and brokerage and custody services. The firm integrates closely with Bank of America affiliates and emphasizes manager selection, tax-efficient strategies, and multiple program types that accommodate both client and advisor discretion.

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.