Robert Goldbeck Jr. is a financial professional with four years of industry experience, currently associated with Cetera. He holds the Series 66 designation and has worked at various firms including Portfolio Advisory Associates and First Allied Securities. His background includes roles outside finance at GEA Mechanical Equipment US, Inc., GEA Process Engineering US, Inc., and Rohde & Schwarz. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated money managers and varied account structures.

Jonathan Moore is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with Wells Fargo Clearing Services since 2017 and has held roles at Wells Fargo Bank NA since 2001. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

James Mellendick is a financial advisor at LPL Financial with 21 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2020. His prior experience includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, N.A. Outside of his advisory work, he serves as a consultant for Coleman Research. 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 various portfolio strategies.

James Snyder is a financial advisor at Morgan Stanley with 55 years of industry experience. He holds the Series 63 designation and has worked with Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. He is based in Annapolis, MD. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a range of advisory programs supported by structured planning tools and investment modeling techniques.

Pamela Gruver Adams is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she has been serving clients since 1995. She is a partner of the Gruver Adams Jenkinson Group and specializes in advising high net worth families, business owners, physicians, retirees, and female investors. Pamela's approach involves a thorough and personalized discovery process, focusing on retirement planning, tax minimization, asset preservation, growth maximization, and wealth transfer. Pamela holds several professional credentials, including the Certified Private Wealth Advisor (CPWA®) designation, Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She is a graduate of American University and has also studied at The Wharton School of the University of Pennsylvania and the London School of Economics. Her expertise encompasses areas such as divorce transition planning, liquidity management, portfolio management, small business strategies, special needs planning strategies, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. In her personal life, Pamela is active with Success in Style, an organization supporting women pursuing employment. She enjoys biking, genealogy, hiking, reading, skiing, and spending time with her family. Pamela lives in Clarksville, Maryland, with her husband, Brian Baumgardner, and their family.

James Lowry is a financial advisor at Ameriprise with 18 years of industry experience. He holds a Series 66 designation and previously worked at PNC Investments for 11 years before joining Ameriprise in 2025. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, delivering written recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research and modeling with a centralized consulting team to provide tailored, non-discretionary advice, emphasizing managed accounts and algorithmic support in its planning process.

Michael Weeks is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. His prior experience includes roles at Morgan Stanley and Morgan Stanley Private Bank from 2009 to 2021. 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 advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Jeannette Jordan is a financial advisor at Mass Mutual Investors Services with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with MetLife Securities, Massachusetts Mutual Life Insurance Company, and Mass Mutual Investors Services. Outside of her advisory role, she serves as an usher at the John F. Kennedy Center. Mass Mutual Investors Services, a subsidiary of MassMutual, provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved analytical tools to support collaborative planning engagements.

Christopher Sabia is a financial advisor with Wells Fargo Advisors in Annapolis, MD, holding Series 63 and Series 65 licenses and having six years of industry experience. Prior to joining Wells Fargo Advisors in 2025, he worked with Hartford Funds Distributors, LLC for six years. Outside of finance, he is a professional lacrosse player with the Premier Lacrosse League, a role he has maintained since 2019 on a part-time basis. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that provides investment and financial planning services to individuals, trusts, and institutional clients. The firm offers a broad planning menu that includes specialized services such as business-owner transition planning, sports and entertainment planning, and special-needs analysis, utilizing Wells Fargo research and planning tools to develop tailored client recommendations.

Robert Wilson is a financial advisor at Wells Fargo Advisors with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his work at Wells Fargo, he has a 20% ownership in Private Wealth Partners LLC, a financial practice based in Annapolis, Maryland, where he dedicates significant time monthly. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of investment and fee-based financial planning services, including specialized planning for business owners, sports and entertainment professionals, and clients with special needs.

Roger Moore is a financial advisor at Raymond James Financial with 27 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Raymond James since 2009. Outside of his advisory role, he is an owner of a rental real estate property. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, with an emphasis on tailored financial plans and investment recommendations supported by firm research and a broad affiliate network.

John Nistler is a financial advisor with LPL Financial, holding the ChFC® and Series 66 credentials and bringing 20 years of industry experience. He previously worked for Lincoln Financial Advisors for 19 years before joining LPL Financial in 2024. Outside of his advisory role, he owns John R Nistler LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs utilizing both discretionary and non-discretionary management approaches, supported by internal and third-party research and a variety of portfolio management tools.

Scott Marsden is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in providing personalized wealth management strategies that align with each client's unique financial goals and changing market conditions. His approach integrates investment insights from Merrill and access to banking and lending solutions through Bank of America. Scott's expertise includes education planning, family wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, sports and entertainment, tax minimization, and retirement income. He holds the designation of Personal Investment Advisor (PIA) and earned his High School Diploma from Haddon Township High School. Outside of his professional work, Scott enjoys boating, drawing and sketching, hunting, ice hockey, skiing, and traveling.

Mark Phillips is a financial advisor with Wells Fargo Advisors in Columbia, MD, holding Series 63 and Series 66 licenses and bringing 20 years of industry experience. His prior roles include positions at Merrill and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu and integrates advisory services with other financial product offerings and referral channels.

Robert Whiteside III is a financial advisor at Merrill with Series 63 and Series 65 credentials and 31 years of industry experience. His prior roles include positions at Navy Federal Investment Services, Navy Federal Financial Group, Bank of America, Independent Financial Partners, and LPL Financial. He is a co-owner of a condo in Greensboro, NC, which he assists in managing. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

William Stewart is a financial advisor with Raymond James & Associates in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. Prior to joining Raymond James in 2022, he worked at Janney Montgomery Scott for 13 years. He is involved with the ESF Dream Camp Foundation in Bryn Manor, PA. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm provides tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and also delivers institutional consulting and public finance services.

Thomas Burke is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in holistic wealth management, creating tailored investment portfolios and financial plans based on each client's unique needs. His client base includes business owners and corporate executives, for whom he develops strategies to accumulate wealth and transition that wealth into retirement income. Beyond investment management, he also addresses estate planning and insurance considerations to prepare clients for various scenarios. Thomas provides ongoing advice to local families, business owners, and retirees, focusing on growing and preserving wealth efficiently. His areas of expertise include college education planning, personal retirement planning, portfolio management services, tax minimization, and retirement income. His approach involves one-on-one collaboration to develop personalized financial strategies aligned with individual long-term goals. He holds a Bachelor's degree in Finance from Salisbury University and carries the Professional Investment Advisor (PIA) designation. Outside of his professional responsibilities, Thomas enjoys basketball, boating, football, golfing, and skiing.

Justin Bowmaker is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 19 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with MetLife Securities Inc. from 2009 to 2017. Outside of his advisory role, he is involved in automobile racing. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using detailed client data and firm-approved analytical tools to provide written financial recommendations.

Richard Cox Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has worked at Raymond James since 2017 and previously spent 12 years at Farmers Financial Solutions. Cox is also the owner of Sentinels Financial Group LLC, a support company and insurance agency based in Severna Park, MD. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans developed through client collaboration and supported by extensive research and asset-allocation analysis.

Andrew Nurmi is a Financial Consultant at Fidelity Investments. In this role, he collaborates with clients to develop foundational financial strategies tailored to their goals and unique needs throughout their lives. He has been with Fidelity Investments since 2022, holding various positions including Investment Consultant, Planning Consultant, Relationship Manager, and Financial Representative. Prior to his career in financial services, Andrew worked as an Independent Insurance Investigator, Appraiser, and Adjuster at Johns Eastern Company from 2012 to 2021. His experience spans financial consulting and insurance investigation, providing a broad perspective on client needs and risk management. Outside of his professional work, Andrew enjoys baseball, golf, spending time with family, and caring for pets.