Caroline Crowell is a financial advisor at RBC Capital Markets with a Series 66 designation and two years of industry experience. Her prior work includes roles at City National Bank, Agrimark - Cabot, and Due East Partners. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs delivering portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers and tailored strategies based on client risk profiles.

Kevin Collison is a financial advisor with Ameriprise in Edgewater, MD, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes roles at Merrill and Bank of America. He has been with Ameriprise and its affiliates since 2019. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, delivering 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 advice, with a focus on assets managed within Ameriprise accounts.

Mallory Feraci is a Planning Consultant at the Annapolis, MD Investor Center, where she collaborates with clients and their Financial Consultants to develop personalized financial plans aimed at helping clients pursue their goals. She joined Fidelity Investments in 2022, initially serving as a Relationship Manager before transitioning to her current role in 2023. Prior to her tenure at Fidelity Investments, Mallory worked as a Financial Advisor at First Command Financial Services from 2021 to 2022. Her professional experience spans client relationship management and financial planning, focusing on tailored strategies to meet individual client needs. Outside of her professional work, Mallory has personal interests that include food, football, snowboarding, and traveling.

Alberto Borrero is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has been with Merrill since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies from internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Robert Saunders III is a financial advisor with Ameriprise in Annapolis, MD, holding a Series 66 designation and 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets, offering 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 deliver tailored, non-discretionary retirement income recommendations through a centralized consulting team.

Andrew Coyne is a financial advisor with Edelman Financial Engines in Annapolis, MD, holding Series 63, Series 65, and Series 66 licenses and possessing 29 years of industry experience. He has worked at various related entities within the Financial Engines and Edelman Financial Engines umbrella since 2015. Outside of his advisory role, he has a brief credit as a cast extra in a film production. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven modeling process with planner delivery and online tools, offering diversified portfolios and both discretionary and non-discretionary management options.

Marshall Boroshok is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has spent his entire financial services career with Merrill Lynch, joining in 2016 after graduating from the Robert H. Smith School of Business at the University of Maryland with a Bachelor of Science degree in Economics. Marshall works with a diverse clientele including veterans, executives, and civil servants, providing tailored investment, retirement, and estate planning strategies. He focuses on mitigating risk and tax consequences in his clients' financial plans, emphasizing the importance of a structured retirement strategy. His professional credentials include the CERTIFIED FINANCIAL PLANNER (CFP) certification and designation as a Personal Investment Advisor (PIA). He and his fiancé Emily live in Baltimore, Maryland, with their chocolate Labrador, Bear.

Ryan Vermeulen is an Investment Consultant at Fidelity Investments, a role he has held since 2025. Prior to this, he worked as a Financial Representative at Fidelity Investments from 2024 to 2025. He began his career with an internship in Business Development at SFG Wealth Management in 2023. In his current position, Ryan collaborates with individuals and their families to develop comprehensive financial plans tailored to their specific goals. His approach focuses on helping clients navigate their financial journeys with confidence. Outside of his professional life, Ryan's personal interests include beach activities, family time, fitness, football, golf, and traveling.

Scott Robinson is a CFP® professional affiliated with Raymond James Financial, with 39 years of industry experience. He spent 29 years at Commonwealth Equity Services, Inc. before joining Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. in 2025. He also serves as an advisor for First Reserve Retirement Services, a support company in Annapolis, MD. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored non-discretionary planning and consulting using risk profiling and modeling tools, and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Mark Livoti is a financial advisor at UBS Financial Services with 17 years of industry experience. He holds the Series 66 designation and has been with UBS since 2007. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Owen Motsay is a financial advisor at Ameriprise with a Series 66 credential and just over a year of industry experience. His background includes periods of full-time education and work at Norseman Defense Services, Killarney House, and Eastport Yacht Club. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Kimberly Berry is a Certified Financial Planner® with 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent four years at Legg Mason Wood Walker, Incorporated. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Alisa Napier is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. She has previously worked at Raymond James Financial Services Advisors and Merrill Lynch. Outside of advisory work, she is the owner and creator of the "Watch For Deer" true crime podcast. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized retirement income planning service that provides written recommendations and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Brian Feeley is a financial advisor with Osaic Wealth in Severna Park, MD, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at Securities America Advisors, MassMutual, and MetLife Securities. Outside of advising, he manages financial planning operations through his sole proprietorship. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation, portfolio optimization, and a range of advisory programs supported by affiliated broker-dealer and RIA relationships.

Heather Lakner is a financial advisor at RBC Capital Markets with six years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Palate Pleasers. Outside of her advisory role, she has been involved with Centerpiece Boutique and Design. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles through a combination of in-house and third-party investment managers.

Isandra Salinas is a financial advisor at Ameriprise with 23 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Merrill, Charles Schwab, and Morgan Stanley Smith Barney. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Robert Kirkland II is a financial advisor with Ameriprise in Clinton, MD, holding a Series 66 designation and three years of industry experience. His prior roles include positions at JPMorgan Chase & Co., SunTrust Bank, Wells Fargo, and Supreme Ledning. Outside of his advisory work, he is the owner of The Kirkland Group LLC, a consulting business, and serves on the Board of Directors for the Cam Kirk Foundation. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Cory Paton is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping clients meet their financial goals by implementing personalized, well-rounded strategies tailored to their unique situations. Cory advises on areas including corporate executive services, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, and tax minimization. Cory started his professional career at PricewaterhouseCoopers (PwC) within the Consumer Industrial Products & Services group, where he provided tax and consulting services to large public companies. He earned his Certified Public Accountant (CPA) designation in 2018 and held a manager role at PwC. Cory holds a Bachelor of Science degree in Accounting and Business Administration from Washington & Lee University and a Masters in Accounting with a concentration in Tax Consulting from the University of Virginia. He also holds the Chartered Retirement Planning Counselor™ designation and the CERTIFIED FINANCIAL PLANNER® certification, as well as Series 7 FINRA and Series 66 NASAA registrations. Residing in Annapolis, Maryland, Cory is active in the Annapolis/Anne Arundel Financial Education Coalition, which works to increase financial education among local residents. Outside of his professional commitments, he enjoys golfing, playing basketball, boating, and listening to podcasts. Cory does not provide legal or tax advice in his role at Merrill Lynch.

Scott Mcroy is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Merrill for 33 years before joining Ameriprise in 2009. In addition to his advisory work, Mcroy serves as Vice Chair of the Anne Arundel Medical Center Foundation Board and chairs the foundation’s Finance Committee. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with automated and personalized advice, focusing on assets managed within Ameriprise accounts.

Seth Bergen is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2020, progressing from Investment Consultant to Financial Consultant before his current role. Prior to Fidelity, Seth gained experience as an Investment Advisor at Glass Jacobson, a Wealth Advisor at Sawyer Wealth Management, and a Financial Advisor at AIG Financial Network. Throughout his career, Seth has focused on providing client-first financial planning, working closely with clients and their families to build confident financial futures. His professional journey reflects a consistent commitment to pursuing clients' financial success through strong and lasting relationships. Outside of his professional work, Seth has personal interests that include fitness, golf, playing instruments, motorcycles, snowboarding, and traveling.