Samuel Emery is a financial advisor with LPL Enterprise in Crofton, MD, holding a Series 66 credential and three years of industry experience. Prior to joining LPL Enterprise, he worked at The Prudential Insurance Company of America and Pruco Securities LLC. Emery has a background in the medical device industry, having held roles at Medtronic, Inc., Invasix, Inc., and Smith and Nephew. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients by providing financial planning, advisory services, and access to model portfolios and third-party asset management. The firm integrates advisory programs with brokerage and insurance product sales through an affiliated agency, offering a comprehensive platform to its clients.

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.

Thomas Hagigh is a Certified Financial Planner (CFP®) with 31 years of industry experience, currently serving at LPL Financial since 2023. His prior roles include positions at Janney Montgomery Scott and Wells Fargo Advisors. He also works as an agent selling fixed annuity insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions, offering a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Elmer Garcia is a financial advisor at Merrill based in Beltsville, MD, holding a Series 66 designation with no prior industry experience. His work history includes roles at Merrill, Bank of America, Weis Markets, PetSmart, and Silver Diner. 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. The firm integrates investment management with other Bank of America services, including lending and custody.

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 been with LPL Financial since 2016 and also works as a teacher with Anne Arundel County Public Schools. Additionally, he is commissioned as a notary public with the American Association of Notaries. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party subadvisors.

Ethan Wittner is a financial advisor at LPL Enterprise with one year of industry experience. He holds the Series 66 designation and has worked previously at PRUCO Securities, LLC. Outside of advisory work, he is involved with Rite Way Valet. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, model portfolio services, third-party asset management, and brokerage and insurance products through an integrated platform.

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 at Cambridge Investment Research Advisors with 20 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for IBN Financial Services, Inc. for 10 years. Outside of his advisory role, Delaney serves as president of M&D Financial Agency Inc., an insurance and benefits firm. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, providing both proprietary and third-party investment strategies tailored to client objectives.

Allie Gamble Taylor is a financial advisor with LPL Financial, holding the Series 66 designation and bringing 17 years of industry experience. Her prior roles include positions at Raymond James Financial Services Advisors Inc. and Janney Montgomery Scott. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a broad range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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 a Series 66 designation and nine years of industry experience. His prior work includes roles at Ameriprise, J.P. Morgan Securities, and PNC Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and utilizes both discretionary and non-discretionary management supported by proprietary and third-party research.

Sarah Kosmerl is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. Her prior roles include positions at Tribe Cycle, Lyons & Sucher, and Hats and the Belfry. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches supported by extensive research and technology tools.

Brett Marchand is a CFP® professional with 25 years of industry experience, currently affiliated with LPL Financial since 2005. He also has a longstanding role at Tower Federal Credit Union dating back to 2002. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a broad range of advisory and brokerage services.

Yashar Gogerdchi is a CFP® professional with 19 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2019. His prior experience includes roles at Summit Financial Group Inc and Summit Brokerage Services from 2016 to 2019. Outside of his advisory duties, he serves as a board member for the Triton Woods Community HOA and operates his own financial planning business under Shar Gogerdchi Financial Planning. Cambridge Investment Research Advisors serves a broad client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through independent Financial Professionals using a variety of platform and custody arrangements and proprietary as well as third-party model strategies.

Bryan Karsner is a financial advisor at Cetera with 22 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Voya Financial Advisors and BRK Financial, LLC, which he owns. Outside of his advisory work, he coaches youth tee ball, baseball, and soccer teams in Severna Park, MD. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various investment management and financial planning services through a nationwide network of independent advisors and supports multiple portfolio management approaches including model portfolios and bespoke strategies.

Ryan Sangster is a financial advisor at Merrill with 14 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at Merrill since 2018. His prior experience includes roles at PNC Investments and PNC Bank. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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 CFP® with 45 years of experience in the financial industry, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC from 2009 to 2016. He also acts as a trustee and personal representative for his father's trust and estate. 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 investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.