Andrew Jones is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. He has worked with Merrill Lynch and Bank of America since 2018. Jones serves as a board member for the Fund for Education Abroad, a nonprofit organization that provides scholarships and support to underrepresented U.S. study abroad students. 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, providing both model-based and discretionary investment strategies for a range of individual and institutional clients.

Andrew Goetz is a financial advisor at Cetera with 15 years of industry experience and holds a Series 66 designation. He has worked with Cetera since 2023 and has prior experience at firms including Lincoln Financial Advisors and Ameriprise Financial Services. Outside of his advisory role, he is president of LTC Specialists, LLC, where he markets and sells fixed insurance products. Cetera is an SEC-registered adviser that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers diversified portfolio management, financial planning, and access to third-party money managers through a multi-manager platform.

Clarence Murray III is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 66 licenses and bringing 41 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Wells Fargo Clearing, and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management delivers a broad range of advisory programs to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning incorporates structured discovery conversations and approved planning tools, offering services through its Financial Advisors and Estate Planning Strategies Group.

Thomas Petty is a financial advisor at Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 licenses with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2020. Prior to his career in finance, Petty spent several years with Four Seasons Hotels and Resorts and also operated a moving and hauling business. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by structured discovery processes and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and offers diverse investment and planning services through its network of financial advisors.

Andrew Poffel is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 license with eight years of industry experience. His prior work includes positions at Bank of America, N.A., and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and market simulations.

Lora Davis is a financial advisor with LPL Financial in Easton, MD, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at LPL Financial since 2009 and has been associated with Shore United Bank (formerly Centreville National Bank) since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services with both discretionary and non-discretionary management options, supported by research and model portfolios.

John Burkhardt is a financial advisor with Raymond James Financial in Severna Park, MD, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Raymond James Financial since 2009 and affiliated with Raymond James Financial Services since 2007. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm uses non-discretionary planning tailored to client goals, employing risk profiling and analytical tools, and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Joan Livingston is a financial advisor at RBC Capital Markets with 25 years of industry experience, holding Series 63 and Series 65 licenses. She previously worked at Merrill from 2003 to 2021 before joining RBC in 2021. Outside of her advisory role, she teaches yoga and meditation and conducts monthly classes at the Anne Arundel County Public Library. RBC Wealth Management serves a wide client base including individual investors, institutions, and charitable organizations, offering tailored portfolio management and financial planning through various advisory programs and a combination of in-house and third-party investment managers.

Joseph Codd is a CFP®-designated financial advisor with five years of industry experience. He is currently with LPL Financial and has previously worked at Lincoln Financial Advisors, Towne Park LLC, and Blackwall Hitch. Outside of his advisory role, he operates Codd Advisory Services, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party subadvisors, and advanced technologies.

Tyler Hammett is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds the Personal Investment Advisor designation. Tyler earned his Bachelor's degrees in International Finance and Economics from The Catholic University of America, Tim and Steph Busch School of Business and Economics. Since 2017, Tyler has worked with executives, entrepreneurs, and attorneys to address complex financial questions related to cash management, wealth diversification, tax minimization, estate protection, and timing of asset liquidation. His approach incorporates a goals-based process complemented by the firm's proprietary Personal Wealth Analysis™ strategy. Outside of his professional work, Tyler is active in community service, including volunteering with Athletes Serving Athletes Anne Arundel Chapter. He enjoys distance running, music, golf, biking, football, hiking, ice hockey, skiing, swimming, and traveling. Tyler is affiliated with the Relay For Life organization.

Laura Mcauley is a financial advisor at Ameriprise with 18 years of industry experience. She holds a Series 66 designation and previously worked at Merrill from 2010 to 2019 before joining Ameriprise in 2019. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendation reports, supported by a centralized retirement-income consulting team.

Thomas Ervin is a financial advisor with Morgan Stanley in Annapolis, MD, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and at Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by comprehensive tools and methodologies.

Khameron Gray is an Investment Consultant at Fidelity Investments, a role he has held since 2025. Prior to this position, he served as a Relationship Manager at Fidelity Investments in 2025 and as a Financial Representative at the same firm from 2024 to 2025. In his current role, Khameron collaborates with clients to develop personalized financial strategies aimed at achieving their individual goals. Khameron emphasizes attentive listening and understanding client needs to provide tailored investment approaches. His professional experience at Fidelity Investments spans several roles, reflecting his involvement in client relationship management and financial representation. Outside of his professional work, Khameron's personal interests include family activities, football, music, reading, and writing.

Nicholas Voyton is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 65 designation and one year of industry experience. Prior to joining LPL, he worked at Sikich LLC and Deloitte & Touche LLP. Outside of his advisory role, he is involved with Severn Financial Solutions LLC, which provides tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and diverse investment strategies.

Christopher Parks is a CFP® professional with 11 years of industry experience, currently associated with LPL Financial in Easton, MD. He has worked at LPL Financial since 2017 and also has a background with Shore United Bank and Michael Andersen Registered Investment Advisor. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Steven Cleveland is a financial advisor with Ameriprise in Annapolis, MD, holding Series 63, Series 65, and Series 66 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he is involved with Waypoint Group, LLC, providing financial paraplanning services including data entry, analysis, and plan presentation. Ameriprise offers a retirement-income planning service targeting individuals with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of a large institutional firm.

William Caughey IV is a CFP® certificant with 15 years of experience at Edward Jones, where he has worked since 2011. He holds a Series 66 license and is based in Chester, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating with a nationwide network of more than 23,700 financial advisors.

Brian Bauer is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Bauer serves as treasurer for Limestone University in Gaffney, SC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Michelle Salmon is a financial advisor with Fidelity Investments in Annapolis, MD, holding Series 63 and Series 66 designations and bringing 13 years of industry experience. She has been with various Fidelity affiliates since 2013. Outside of her advisory role, Michelle serves on the board of directors for The PutAway, a pickleball facility focused on team building and managing large expenditures. Michelle is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering model portfolios and overseeing multi-manager fund structures.

Kirk Thrush is a Senior Vice President and Financial Advisor at Merrill Lynch Wealth Management in Easton, Maryland. He brings a comprehensive approach to wealth management, focusing on family wealth strategies, legacy planning, retirement income, and tax minimization. Kirk also manages daily operations of the Merrill Lynch branch in Talbot County while serving a diverse clientele that includes affluent families, endowments, foundations, and non-profits. Since earning his bachelor's degree in business management from the University of Maryland in 1980, Kirk gained experience working at 3M Corporation before joining Merrill Lynch in Washington, D.C. in 1983. He relocated to Easton in 1994 to expand the firm's local presence. Kirk holds the Personal Investment Advisor (PIA) designation and emphasizes educating clients to ensure a clear understanding of financial plans and strategies. Outside of his professional responsibilities, Kirk is engaged in the community, having served as past president of the Board of Trustees for The Country School in Easton. He is also involved with the Eastern Shore Hockey Association. In his personal time, Kirk enjoys outdoor activities like skiing, golfing, boating, biking, baseball, fishing, and ice hockey.