Christopher Hayes is a Series 66 credentialed financial advisor with 17 years of industry experience. He has worked at Snowden Lane Partners since 2017 and previously held roles at Bank of America, N.A. and Merrill. Hayes serves on the board of The Salisbury School in a voluntary capacity with no compensation. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients. The firm offers portfolio management, investment consulting, financial and estate planning, and utilizes a multi-team approach with institutional capabilities and a broad range of investment strategies.

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.

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.

Joshua Thomas is a financial advisor with Capitol Securities Management, Inc. in Salisbury, MD, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has been with Capitol Securities since 2010 and is also involved in real estate through JM Property Investments LLC, where he engages in purchasing and reselling homes on a case-by-case basis. Capitol Securities Management serves individual investors, institutional and corporate clients, retirement plans, trusts, and small businesses, offering portfolio management, financial planning, consulting, and wrap fee programs. The firm operates as both a broker-dealer and registered investment adviser, providing investment advice through IAR-managed programs, separately managed accounts, and third-party Money Managers.

Mark Outten is a financial advisor with Capitol Securities Management, Inc. He holds the ChFC® designation and has 31 years of industry experience. Prior to joining Capitol Securities in 2020, he worked at LPL Financial from 2016 to 2020. Capitol Securities Management serves individual investors, institutional and corporate clients, retirement plans, trusts, and small businesses. The firm offers portfolio management, comprehensive financial planning, consulting, and both sponsored and third-party wrap fee programs, operating as both a broker-dealer and registered investment adviser.

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.

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.

Mary Specht is a financial advisor at Bankers Life Advisory Services, Inc. with four years of industry experience. She holds the Series 66 credential and previously worked at Morgan Stanley and Equity Services, Inc. before joining Bankers Life. Prior to that, she was self-employed for nine years. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals through discretionary portfolio management, non-discretionary investment consulting, and retirement plan consulting. The firm employs a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and provides ongoing portfolio management aligned with clients’ goals and risk tolerances.

Trent Hofmeister is a financial advisor at Wealthspire Advisors with four years of industry experience. He holds a Series 65 designation and has worked at Wealthspire Advisors since 2021. Prior to joining the firm, he was employed at Salisbury University and the Community College of Baltimore County. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients. The firm serves individuals, including high-net-worth clients, as well as corporate and pension plans, nonprofits, and foundations, using an institutional-style asset allocation framework that includes mutual funds, ETFs, private investments, and unaffiliated separate account managers under centralized oversight.

William Staples is a financial advisor with TLG Advisors, Inc. based in Salisbury, MD, holding Series 63 and Series 65 designations and bringing 23 years of industry experience. His prior roles include positions at Nationwide Securities, LLC and Nationwide/Marshalls Insurance, spanning nearly two decades, and he currently operates William Staples Insurance & Financial Services, Inc. alongside his advisory role. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary assets and serves a diverse client base including individuals, retirement plans, trusts, and institutional investors. The firm employs a research-driven approach that combines fundamental analysis and Modern Portfolio Theory, offering services such as portfolio management, financial and estate planning, and ERISA fiduciary services, with unique client solutions like the Starlight Portfolios program.

Jude Cypher is a financial advisor at Wealthspire Advisors with two years of industry experience. He holds a Series 65 designation and has worked previously at Stratos Wealth Advisors, Flagship Financial Advisors, and Regions Bank. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients, including individuals, corporate and pension plans, nonprofits, and foundations. The firm uses an institutional-style asset allocation approach, combining mutual funds, ETFs, private investments, and separate account managers, supported by centralized due diligence and investment-committee oversight.

Daniel Crocker is a CFP® with 36 years of industry experience, currently serving as a financial advisor at Private Advisor Group, LLC since 2014. He previously worked with LPL Financial LLC (formerly Linsco/Private Ledger Corp.) for over three decades. Crocker provides investment advisory services through Sage Financial LLC, an independent registered investment advisory firm. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans by offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm emphasizes a fiduciary-based advisory model and utilizes various investment strategies and technology platforms to support client goals.

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.

Luke Smith is a CFP® and holds a Series 66 designation, currently serving as a financial advisor at Wealthspire Advisors with five years of industry experience. His prior roles include positions at Wells Fargo Clearing and Salisbury University. Wealthspire Advisors is an SEC-registered investment adviser managing approximately $34.3 billion in assets for nearly 9,700 clients, including individuals, corporate and pension plans, nonprofits, and foundations. The firm employs an institutional-style asset allocation approach using mutual funds, ETFs, private investments, and separate accounts, supported by centralized due diligence and ongoing client monitoring.

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.

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.

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.