Brion Harris is a financial advisor with Cetera possessing Series 63 and Series 65 credentials and 27 years of industry experience. He has held roles at Cetera since 2019 and previously worked at Summit Financial Group and Premier Planning Group, where he is also the CEO and founder. Outside of his advisory work, Harris leads an insurance coaching business and is authoring a book on retirement income planning. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, employer-sponsored retirement plans, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options and over $250 billion in assets under management.

William Patriarca is a CFP® professional with 10 years of industry experience, currently associated with LPL Financial. His career includes roles at Cetera Investment Services, First National Bank of PA, Wells Fargo Clearing Services, and several other financial institutions. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment programs and utilizes technology tools to support its advisors while overseeing over $819 billion in discretionary assets across more than 22,800 advisors.

Samuel Emery is a financial advisor with LPL Enterprise holding a Series 66 designation and four years of industry experience. His prior work includes roles at The Prudential Insurance Company of America, Pruco Securities LLC, and several medical device companies. LPL Enterprise, LLC serves a diverse client base including individuals, high-net-worth investors, retirement plans, and institutions, offering investment advisory and brokerage services through a network of investment adviser representatives. The firm’s investment approach is largely model-driven, utilizing portfolios developed by internal research and third-party strategists, and it provides access to various financial planning and asset management solutions.

Millard Herold III is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Bank of America and Merrill. 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 range of financial products than typical institutional advisers.

Charles Krick is a financial advisor at Morgan Stanley in Annapolis, MD, holding a Series 66 designation with 14 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2012 and is currently associated with Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Monte Carlo simulations as part of its advisory process.

Stephen Metzger is a financial advisor with LPL Financial in Annapolis, MD, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2016 with a brief period at Commonwealth Financial Network and Blue Heron Financial Group. In addition to his advisory role, Metzger teaches at Anne Arundel County Public Schools. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing both proprietary and third-party strategies.

Ethan Wittner is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and has prior experience at PRUCO Securities, LLC. Outside of advisory work, he has been involved with Rite Way Valet since 2021. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors and institutional clients. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to financial planning, third-party asset managers, and insurance products through affiliated entities.

Ingrid Lamb is a financial advisor with Ameriprise in Annapolis, MD, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. She previously worked at Money Concepts Capital Corp for 24 years before joining Ameriprise in 2026. Outside of advisory work, she owns Bayview Financial Consulting LLC, which provides tax preparation services. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, with a specialized Premier Retirement Income service offering tailored retirement-income planning that includes written recommendation reports and ongoing advice based on research, data, and proprietary tools.

Patrick Delaney is a financial advisor with Cambridge Investment Research Advisors in Annapolis, MD. He holds Series 63 and Series 65 licenses and has 20 years of industry experience, including ten years at IBN Financial Services, Inc. Outside of advisory services, he is president of M&D Financial Agency Inc., a company involved in insurance, benefits, and human resources. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, ongoing investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals, manages a multi-billion dollar asset base, and offers both discretionary and non-discretionary management across multiple platforms and custodians.

Eric Silk is a CFP® professional with 29 years of industry experience, currently advising at Wells Fargo Advisors in Annapolis, MD since 2009. He is a 20% owner of Private Wealth Partners LLC, a financial practice based in Annapolis, and serves as co-trustee for a 401(k) plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, including niche areas such as business-owner transition and special-needs planning, using proprietary research and tools.

Kevin Voelling is a financial advisor with LPL Financial in Annapolis, MD, holding the Series 66 designation and 10 years of industry experience. His background includes roles at Ameriprise, J.P. Morgan Securities, and PNC Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management services utilizing proprietary research, third-party subadvisors, and technology-driven tools.

Sarah Kosmerl is a financial advisor at LPL Financial with seven years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2014. Her prior experience includes roles at Tribe Cycle, Lyons & Sucher, and Hats and the Belfry. 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 portfolios, third-party asset management, and institutional platforms.

Brett Marchand is a CFP® professional with 25 years of experience in the financial services industry. He has been with LPL Financial since 2005 and also has an ongoing role at Tower Federal Credit Union since 2002. Marchand operates Tower Wealth Management as a business activity related to his advisory work. 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, supported by a large network of investment adviser representatives.

Yashar Gogerdchi is a CFP® professional with 19 years of industry experience, currently with Cambridge Investment Research Advisors since 2019. His previous roles include positions at Summit Financial Group and Citigroup Global Markets. He serves as a board member for the Triton Woods Community HOA and is involved in independent insurance and tax preparation activities. Cambridge Investment Research Advisors serves a diverse client base including individual, institutional, pension, and charitable clients by providing financial planning, investment management, and retirement-plan advisory services. The firm operates through thousands of financial professionals and manages a multi-billion-dollar asset base across multiple platforms and custodians.

Ryan Sangster is a financial advisor at Merrill with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Bank of America, PNC Investments, and PNC Bank. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Trisha Thomas is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 credential and bringing 21 years of industry experience. She has been with RBC Capital Markets since 2011. Outside of her advisory role, she serves as Corresponding Secretary for the Oyster Harbor Citizens Association, where she manages community communications and resident engagement. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers.

Frank Sokola is a Senior Financial Advisor with Merrill Lynch Wealth Management, serving clients since 2013. He provides financial advice and guidance to successful individuals and families, focusing on areas such as college education planning, executive compensation, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, special needs planning strategies, individual and corporate investment strategy, and retirement income. Frank aims to assist clients in clarifying investment opportunities and understanding market conditions to help them pursue their financial goals. He holds dual Bachelor's degrees from Wilkes University, where he also played college baseball. Frank is a Personal Investment Advisor (PIA) and is committed to delivering service supported by extensive resources that enable clients to explore financial strategies and pathways. Born in Wilkes Barre, Pennsylvania, Frank grew up on a lake and enjoys spending time on the water. His personal interests include antiquing, baseball, boating, fishing, golfing, hunting, running, skiing, surfing, and spending time with his family.

Timothy Cusack is a financial advisor with Wells Fargo Clearing, holding the CFP® and Series 63 designations and bringing 45 years of industry experience. His prior roles include positions at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He also serves as trustee and personal representative for his father's trust and estate. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm employs research and analytics to guide investment decisions and offers a range of brokerage and advisory solutions.

Kevin Cotherman is a financial advisor with Ameriprise in Annapolis, MD, holding Series 63 and Series 65 designations and bringing 12 years of industry experience. His prior work includes roles at Bank of America and Merrill. He serves on the board of directors for Hope Connections, a nonprofit organization. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement with significant investable assets, providing 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 clients, with an emphasis on assets held in Ameriprise managed accounts.

Tuan Luu is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served in various capacities at Fidelity Investments, including Planning Consultant, Relationship Manager, and Financial Representative between 2022 and 2024. He began his financial career as an Investment Analyst at Vietnam Investments Group from 2015 to 2016. In his professional approach, Tuan emphasizes understanding clients' priorities such as family, goals, and vision for the future to develop personalized financial plans. He aims to serve as a trusted partner and advocate, helping clients navigate financial decisions with clarity and confidence. Outside of his professional work, Tuan's personal interests include comedy, cooking and baking, fitness, food, photography, and reading.