Denise Adah is a financial advisor at LPL Financial with 24 years of industry experience. She holds a Series 66 designation and has previously worked at Ameriprise Financial Services, Avantax, and NASA Federal Credit Union. Denise also operates investment services through NASA Federal Investment Services under LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and various portfolio management technologies.

Michael Calabrese is a CFP® professional with 22 years of industry experience. He currently works with LPL Financial and has previously been affiliated with Independent Financial Group and Severn Financial Solutions, LLC, where he has maintained a role since 2008. Outside of advisory services, he is a business owner involved with Chesapeake Tram and Waterfront Services, LLC, and holds a notary public designation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, and provides both discretionary and non-discretionary management supported by research and diversified investment strategies.

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.

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.

Neyci Sued is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and one year of industry experience. Her prior work includes roles at Wells Fargo Bank, Sandy Spring Bank, Capital One Bank, and Check Cash Depot. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader set of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

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.

Dwight Ferguson is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Woodbury Financial Services, Inc. and Questar Asset Management. In addition to his advisory role, he is involved in mortgage lending facilitation, insurance agency leadership, and business exit planning strategies through his firm, Ferguson Financial Group. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage, investment advisory services, financial planning, and retirement plan consulting through a large network of affiliated advisors and multiple advisory platforms.

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.

Tyler Sullivan is a financial advisor with Raymond James & Associates who holds a Series 66 designation and has four years of industry experience. Prior to joining Raymond James in 2025, he worked at Kestra Investment Services and Kestra Advisory Services. Outside of finance, he has been involved with lacrosse-related businesses and organizations. Raymond James & Associates 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, non-discretionary investment consulting, and institutional fiduciary services.

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.

Aiden Mowry is a financial advisor with Primerica Advisors holding Series 63 and Series 65 designations. He has been with Primerica and its affiliate PFS Investments Inc. since 2026. Outside of finance, he is involved with The Healing and Wellness Center, where he has participated for five years. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm employs model-driven investment strategies supported by third-party asset managers and operates at a large scale with approximately 3,964 advisors and $15.5 billion in assets under management.

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.

Joseph Apanisile is a financial advisor with Cetera, holding a Series 65 designation and three years of industry experience. He previously worked at Avantax Advisory Services for five years and has operated Joseph Associates CPA, a CPA firm, since 2011. His background includes roles outside financial services, such as work with ARS/Rescue Rooter. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment programs and portfolio management options through a multi-manager platform, supporting both discretionary and non-discretionary authorities.

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.