Tracy Simpkins is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 designations and 18 years of industry experience. Her prior roles include positions at Merrill, Truist Investment Services, and BB&T Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution that uses algorithmic risk assessment and third-party strategists to manage investments primarily in mutual funds and ETFs.

Charles Pritchett is a Senior Financial Advisor with Merrill Lynch Wealth Management. He focuses on developing personalized financial plans that address clients' unique ambitions, including education funding, retirement lifestyle planning, and long-term family goals. His approach emphasizes simplicity and transparency in investment management to help clients navigate the complexities of wealth planning. Mr. Pritchett holds both a Bachelor's and a Master's degree from Salisbury University. He holds the designation of Personal Investment Advisor (PIA). Outside of his professional work, he enjoys baseball, gardening, and spending time with his family.

Kara Burt is a financial advisor at Merrill with nine years of industry experience and holds a Series 66 designation. Her work history includes multiple tenures at Merrill and Bank of America, as well as a brief period at Raymond James & Associates. Prior to her advisory career, she was employed at Salisbury University. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, institutions, and charitable organizations.

Thomas Hill is a financial advisor at Morgan Stanley with 56 years of industry experience. He holds a Series 63 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Outside of advising, he is a general partner in Good News LLC, which owns private alternative investments. Morgan Stanley Wealth Management provides advisory programs to individuals and institutions, offering tailored financial planning based on structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines a range of retail and institutional services with access to private funds and structured products.

Lou Satchell is a financial advisor with Robert W. Baird & Co. Inc. in Easton, MD, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Robert W. Baird & Co. since 2009. Satchell serves as a board member for Shore Regional Health. He is part of The DDK Group within Robert W. Baird’s Private Wealth Management practice, which advises individuals, families, pensions, corporations, charitable organizations, and institutional clients. The group offers tailored financial planning and portfolio management services using a mix of in-house and third-party managers, covering traditional and non-traditional investment strategies.

Katherine Knapp is a Senior Financial Advisor with Merrill Lynch Wealth Management, bringing 22 years of experience to her role. She specializes in family wealth management strategies, managing new wealth, retirement income planning, and addressing the unique financial needs of women. Katherine emphasizes a personalized approach to financial advising, collaborating with clients to identify their priorities and create tailored plans that align with their long-term goals. Her expertise extends beyond investment management to include guiding clients through the complexities of life changes and financial transitions. Katherine focuses on key life priorities such as family, finances, health, home, leisure, work, and giving, assisting clients in navigating these areas while maintaining clarity and direction. Katherine holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned an Accredited Certificate from Chesapeake College. Outside of her professional work, Katherine enjoys boating, hiking, running, and spending time with her family, particularly at her vacation home near Deep Creek Lake.

Aaron Gabrielian is a CFP® professional with 17 years of industry experience, currently serving at RBC Capital Markets since 2015. Prior to that, he worked at MFP Strategies and Morgan Stanley. He holds board positions with several local organizations, including the Mid-Shore Community Foundation and University of Maryland Shore Regional Health, where he chairs the Finance Committee. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, and brokerage services. The firm customizes investment strategies based on client profiles using a combination of in-house and third-party managers and offers access to alternative investments alongside integrated lending and cash management solutions.

Blake Saulsbury is a financial advisor with Raymond James & Associates holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James, he worked at Bank of America and Merrill. Outside of finance, he has held roles in the restaurant industry, including at Tiger Lily Restaurant and Docs Sunset Grille. Raymond James & Associates, Inc. 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 financial planning, investment consulting, and institutional fiduciary solutions.

David Jullie is a financial advisor with OSAIC who holds Series 63 and Series 65 credentials and has 30 years of industry experience. His career includes roles at OSAIC since 2018, Signator Investors from 2016 to 2018, and Jullie & Associates, PA since 2004. Outside of advising, he is involved in youth sports as a coach and manager for the Cutler Bay Sports Association. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutional clients, providing brokerage and investment advisory services through a broad network of affiliated advisers. The firm employs asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios that may include a variety of security types, supporting both discretionary and non-discretionary management approaches.

James Mc Cleery is a financial advisor with Charles Schwab & Co., Inc. in Easton, Maryland, holding a Series 66 designation and bringing nine years of industry experience. He has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory with access to discretionary separately managed accounts, using multi-asset model portfolios and a distinctive operational structure integrating advisory, brokerage, custody, and cash-sweep services.

John Elmes III is a financial advisor at Morgan Stanley with three years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley and RSM US LLP, among other roles. Prior to his finance career, he was employed at Annapolis Boat Sales and Golf Galaxy. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to both individual and institutional clients, managing approximately $2.74 trillion in client assets. Its planning process uses structured discovery and firm-approved tools, offering a broad range of financial products and services.

John Mead is a financial advisor with Robert Baird & Co. holding Series 63 and Series 66 licenses and five years of industry experience. He previously worked at T. Rowe Price for six years and has held roles outside finance, including ownership of The County Cork Wine Pub. Robert Baird & Co.’s DDK Group serves individuals, corporate and business clients, pensions, profit-sharing plans, and charitable organizations through financial planning, portfolio management, and custody services. The firm employs a range of separately managed account strategies and leverages internal research and technology in its advisory process.

Robert Bennett Jr. is a financial advisor with Charles Schwab, holding Series 63, Series 66, and Series 65 licenses and bringing 41 years of industry experience. He has been with Charles Schwab since 2014. Outside of his advisory role, he is the sole member of Simpson-Cole LLC, a financial services entity related to his independent broker relationship. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options with a multi-asset strategic approach.

Richard Mullaney is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors, Inc. and CBIZ Financial Solutions, Inc. In addition to his advisory role, Mr. Mullaney is a CPA who provides tax planning and tax preparation services, many of which are for his wealth management clients. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a wide network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to manage portfolios that may include a variety of securities and supports both discretionary and non-discretionary account management.

Kate Kraus is a financial advisor with Morgan Stanley in Easton, MD, holding a Series 66 designation and 18 years of industry experience. She has worked at Morgan Stanley since 2010 and at Morgan Stanley Private Bank since 2021. Outside of her advisory roles, she has been involved with The Masthead At Pier St. since 2005. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured planning process using proprietary tools and serves clients through a range of investment and planning strategies.

Lisa Hunter is a financial advisor at Morgan Stanley with 22 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets.

Penny Fontana is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 1999. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and planning tools to model potential outcomes.

Caroline Adorni Willems is a financial advisor at Morgan Stanley with two years of industry experience. She previously worked at Merrill from 2022 to 2024 and has a background that includes time at Hospital das Clinicas de Sao Paulo. She holds the Series 66 designation. 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 financial planning process utilizes structured discovery and firm-approved tools to model outcomes, focusing on advisory services without offering individual security recommendations as part of standalone plans.

Spyros Ritsinias is a financial advisor at Ameriprise with 27 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005 and holds a Series 66 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a Premier Retirement Income service focused on retirement income planning, utilizing a centralized team to produce written Recommendation Reports based on investment research, third-party data, and algorithmic tools.

Gray Boutte is a financial advisor at Morgan Stanley with 18 years of industry experience. He has worked at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Wells Fargo Advisors over his career. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct and employer-sponsored financial planning agreements.