Nicole Caringal is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. She has been with Raymond James and its affiliates since 2006, with a brief tenure at LPL Financial from 2019 to 2020. Outside of her advisory role, she is vice president and a finance committee member of the United Way of Kent County board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting, utilizing analytical tools to model potential outcomes, and supports clients through advisory programs and institutional consulting.

Graham Smith is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Bell Helicopters - Textron, and Burr & Forman LLP, as well as service at the South Carolina State House. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through its 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.

Jonathan Michael is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011. Outside of his advisory role, he operates as an independent insurance agent focusing on health, life, disability, and long-term care products and serves as a committee member for a homeowners association golf course. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of portfolio management options and proprietary as well as third-party strategy access.

Timothy Grossman is a financial advisor with LPL Financial in Stevensville, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 20 years of industry experience, including long tenure at VALIC Financial Advisors and more recent roles at Agia and Osaic Wealth. Grossman serves on the board of Consider the Lily, a nonprofit organization focused on rescuing girls from sexual abuse and trafficking. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network of advisors with model portfolios, third-party management, and technology tools, managing over $819 billion in discretionary assets across more than 22,800 advisors.

Elijah Schut is a financial advisor with Cetera who holds the Series 66 designation and has one year of industry experience. His prior work experience includes roles at Accounting Concepts and several positions related to Tolchester Marina and educational institutions. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and investment options across a large platform with over 10,000 advisors.

David Zane is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at PNC Investments, RBC Capital Markets, Morgan Stanley, and Allstate Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers advisory and brokerage services with a range of portfolio management options, including model portfolios, third-party subadvisors, and customized strategies.

Kyle Orlinski is a Series 66-licensed financial advisor with 12 years of industry experience. He is currently with Fidelity Investments and has held previous roles at Bank of America, Merrill, Truist Advisory Services, BB&T Securities, Integrated Wealth Concepts, and LPL Financial. He works with 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 proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple fund advisory and consulting services.

Mary Valliant is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Raymond James since 1999 and also founded Valliant and Associates, LLC in 1997. Outside of her advisory work, she serves as a board member for Medical Mutual Liability Insurance of Maryland and holds a director position on its Finance/Investment Committee. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses detailed risk profiling and analytical tools to tailor non-discretionary planning and investment consulting to client goals.

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.

Ann Jacobs is a Series 66-licensed financial advisor with Edward Jones, where she has worked since 2017. She has eight years of industry experience, including previous roles at Quidient, LLC and the Caroline County Chamber of Commerce. Outside of her advisory work, she owns and manages Blueprint Property Management LLC in Denton, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.