Sean O'Neill is a CFP® professional with 27 years of industry experience, currently serving at RBC Capital Markets since 2009. He is based in Annapolis, MD, and holds Series 63 and Series 65 registrations. Outside of his advisory role, he serves on several local nonprofit and community boards, including the Annapolis Musicians Fund for Musicians, the City Dock Action Committee, and the Anne Arundel Estate Planning Council, where he is president. RBC Wealth Management, a division of RBC Capital Markets, provides a range of advisory programs and services to individual investors, institutions, and other clients. The firm offers tailored investment strategies through a combination of in-house and third-party managers, incorporating options such as tax management and responsible investing.

Mc Kenna Nolan is a Series 66 licensed financial advisor with Edward Jones in Annapolis, MD, bringing two years of industry experience. Prior to joining Edward Jones, Nolan worked at Lord Abbett and Morgan Stanley. Outside of finance, Nolan managed operations at RJ Bentleys Sports Bar for two years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Ryan Payne is a financial advisor with Edward Jones in Owings, MD, holding a Series 66 designation and 16 years of industry experience. He has been with Edward Jones since 2009. Outside of his advisory role, he is a member of Blackout Racing 4 LLC, a manager-managed LLC based in Louisville, KY. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory solutions such as discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michelle Kruhm is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 19 years of industry experience. She has worked at LPL Financial since 2011, with prior experience at Morgan Stanley and Citigroup Global Markets. Additionally, she is commissioned as a notary public. 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 and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jocelyn Smith is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, she worked for Deloitte for 11 years. She is also self-employed. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory services, managing over $1 trillion in assets through a large network of advisors and branch offices nationwide.

Kevin Byrne is a financial advisor at RBC Capital Markets with three years of industry experience. He holds a Series 66 designation and previously worked at Equitable Advisors. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services tailored to each client’s risk profile.

Eric Keitz is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2020, he worked at Severn Bank Corporation and operated his own CPA and tax preparation practice for over three decades. He serves as Audit Committee Chairman for the Annapolis Yacht Club and chairs finance committees for both the Annapolis Community Foundation and the AACC Foundation. Ameriprise offers retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendations, supported by a centralized consulting team and a wide range of advisory, brokerage, and insurance solutions.

William Mills is a financial advisor with Charles Schwab in Annapolis, MD, holding Series 63 and Series 66 licenses with 12 years of industry experience. His previous roles include positions at Morgan Stanley Smith Barney LLC and Fidelity Investments, in addition to multiple tenures at Charles Schwab and Charles Schwab Bank. 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 models with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by Schwab Center for Financial Research due diligence.

Caroline Crowell is a financial advisor at RBC Capital Markets with a Series 66 designation and two years of industry experience. Her prior work includes roles at City National Bank, Agrimark - Cabot, and Due East Partners. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs delivering portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers and tailored strategies based on client risk profiles.

Kevin Collison is a financial advisor with Ameriprise in Edgewater, MD, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes roles at Merrill and Bank of America. He has been with Ameriprise and its affiliates since 2019. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering written recommendation reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its advice, with a focus on assets managed within Ameriprise accounts.

Mallory Feraci is a Planning Consultant at the Annapolis, MD Investor Center, where she collaborates with clients and their Financial Consultants to develop personalized financial plans aimed at helping clients pursue their goals. She joined Fidelity Investments in 2022, initially serving as a Relationship Manager before transitioning to her current role in 2023. Prior to her tenure at Fidelity Investments, Mallory worked as a Financial Advisor at First Command Financial Services from 2021 to 2022. Her professional experience spans client relationship management and financial planning, focusing on tailored strategies to meet individual client needs. Outside of her professional work, Mallory has personal interests that include food, football, snowboarding, and traveling.

Alberto Borrero is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has been with Merrill since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies from internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Saunders III is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Marshall Boroshok is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has spent his entire financial services career with Merrill Lynch, joining in 2016 after graduating from the Robert H. Smith School of Business at the University of Maryland with a Bachelor of Science degree in Economics. Marshall works with a diverse clientele including veterans, executives, and civil servants, providing tailored investment, retirement, and estate planning strategies. He focuses on mitigating risk and tax consequences in his clients' financial plans, emphasizing the importance of a structured retirement strategy. His professional credentials include the CERTIFIED FINANCIAL PLANNER (CFP) certification and designation as a Personal Investment Advisor (PIA). He and his fiancé Emily live in Baltimore, Maryland, with their chocolate Labrador, Bear.

Scott Robinson is a CFP® professional affiliated with Raymond James Financial, with 39 years of industry experience. He spent 29 years at Commonwealth Equity Services, Inc. before joining Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. in 2025. He also serves as an advisor for First Reserve Retirement Services, a support company in Annapolis, MD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored non-discretionary planning and consulting using risk profiling and modeling tools, and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Daniel Long is a financial advisor with Cetera and holds a Series 66 designation. He has 25 years of industry experience and has previously worked extensively with Avantax Insurance and Advisory Services. In addition to his advisory role, he operates his own CPA practice providing accounting and tax preparation services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary program options.

Mark Livoti is a financial advisor at UBS Financial Services with 17 years of industry experience. He holds the Series 66 designation and has been with UBS since 2007. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Justin Whitcome is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he held positions in construction and government services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Owen Motsay is a financial advisor at Ameriprise with a Series 66 credential and just over a year of industry experience. His background includes periods of full-time education and work at Norseman Defense Services, Killarney House, and Eastport Yacht Club. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Catherine Cawood is a financial advisor at OSAIC with 11 years of industry experience. She holds a Series 66 designation and has worked at firms including FSC Securities Corporation, Northwestern Mutual Investment Services LLC, and Wells Fargo Advisors. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a range of services such as brokerage and investment advisory, financial planning, and managed accounts through multiple advisory platforms and uses various tools for portfolio construction and management.