Brian Gibbons is a financial advisor with Cetera in Annapolis, MD, holding Series 63, 65, and 66 credentials and 29 years of industry experience. His prior work includes roles at Mass Mutual Investors Services, Mass Mutual, and Metlife Securities Inc. Cetera Investment Advisers LLC serves a broad range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with options ranging from model portfolios to bespoke strategies.

Irwin Sobers is a Certified Financial Planner® with 24 years of industry experience. He has worked at LPL Financial since 2008 and previously at Merrill from 2002 to 2008. In addition to his advisory role, he is involved with Tower Federal Credit Union and has an ownership interest in a real estate rental business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing various portfolio strategies and technology tools, and oversees over $819 billion in discretionary assets through a network of more than 22,800 advisors.

Madison Decker is a financial advisor at Raymond James & Associates with the Series 66 credential and four years of industry experience. Prior to joining Raymond James, Decker held roles with the Miami Dolphins and the Miami Open and Hard Rock Stadium. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kathleen Webster is a financial advisor with LPL Financial, holding the ChFC® and Series 63 designations and bringing 33 years of industry experience. She has worked at firms including Shore United Bank, Infinex Investments, Community Bank of the Chesapeake, and Kestra Investment Services. Webster is also involved in executive roles related to non-variable insurance with BSMG and Highland Capital. 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 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.

Michael Norris is a financial advisor at RBC Capital Markets with 20 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations, offering a range of advisory programs that provide portfolio management, financial planning, and brokerage services tailored to clients' risk profiles.

Matthew McGehrin is a Wealth Management Advisor and Merrill Institutional Consultant with Merrill Lynch Wealth Management. Since joining Merrill in 2007, he has focused his expertise on serving nonprofits, foundations, endowments, and individual clients. His approach emphasizes clear communication and a strategy-first mindset, beginning with comprehensive planning tailored to each client's unique goals and values, with the aim of creating portfolios that withstand market volatility and adapt to changing economic conditions and client circumstances. Matt holds the Chartered Financial Analyst (CFA) designation and the CERTIFIED FINANCIAL PLANNER (CFP) certification. He earned a bachelor's degree in finance from the University of Maryland in College Park. Dedicated to continuous learning, he remains proactive in adjusting client portfolios in response to market developments. In his community involvement, Matt serves on the Board of the Alliance for the Chesapeake Bay and coordinates volunteer efforts for the Alliance's Project Clean Stream, which focuses on improving local waterways through community engagement. He resides in Annapolis with his wife and two daughters.

Margaret Kosmerl is a financial advisor with LPL Financial in Annapolis, MD, holding the Series 63 and Series 65 designations and accumulating 35 years of industry experience. She has been with LPL Financial since 1997. Outside of her advisory role, she is involved with Flight Plan Financial Services and NGFCU Wealth Management. 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 and access to third-party asset management, with a platform supporting both discretionary and non-discretionary strategies.

Andrew Frazier is an advisor at OSAIC Wealth, Inc. with Series 66 credentials and one year of industry experience. His prior work experience includes roles at Thrivent Financial, Thrivent Investment Management Inc, and several hospitality positions. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization, supporting various investment strategies and maintaining a complex affiliate network.

Tracy Donoho is a financial advisor at Ameriprise with 11 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate firms since 2014. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a centralized consulting team and emphasizes a mix of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Kevin Turnock is a CFP® with 31 years of industry experience, currently affiliated with RBC Capital Markets in Annapolis, MD. His prior experience includes over a decade at Morgan Stanley in various private banking roles. Outside of his advisory duties, he is involved in family and personal real estate businesses, holding positions such as limited partner and general partner in several investment-related entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm provides tailored portfolio management and financial planning services through multiple advisory programs, leveraging both in-house and third-party investment managers to meet clients’ Advisory Risk Profiles.

Dejan Vujinovic is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 15 years of experience in wealth management, sales, and finance to his role, focusing on helping clients achieve their financial goals through personalized strategies. Dejan collaborates closely with clients to develop flexible financial plans that respond to changing market conditions and provide access to Merrill's investment insights alongside Bank of America's banking and lending solutions. Dejan holds a Master's Degree and a Bachelor's Degree from University Paris XII. He has earned professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluency in Serbo-Croatian, French, and English enables him to serve a diverse client base. Committed to community engagement, Dejan participates in local volunteer activities inspired by Merrill Lynch’s tradition of community service. Outside of his professional duties, he enjoys basketball, reading, soccer, and traveling.

Brooke Smith is a financial advisor at Primerica Advisors with eight years of industry experience. She holds Series 63 and Series 65 designations and has worked at Primerica Financial Services, PFS Investment Inc., DiGi Financial, and the State of Maryland. In addition to advisory services, she is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Ryan Quigg is a financial advisor with RBC Capital Markets in Annapolis, MD, holding a Series 66 designation and five years of industry experience. His work history includes positions at RBC Wealth Management and RBC Capital Markets, as well as time spent in education and at the Baltimore County Revenue Authority. 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 various advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Kim Caldwell is a Wealth Management Advisor at Merrill Lynch Wealth Management, specializing in comprehensive financial planning and investment strategies for clients with complex financial profiles. He primarily advises ultra-high-net-worth families, senior executives, and business owners, focusing on areas such as tax minimization, executive compensation, family wealth management strategies, and portfolio management services. Kim holds multiple professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), Certified 401(k) Professional (CKP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Certified Private Wealth Advisor (CPWA). He earned a Bachelor of Science degree from the University of Maryland College Park. Since joining Merrill Lynch Wealth Management in 2007 following his work as an analyst with JMT Engineering, Kim has worked alongside The BFCP Group to deliver tailored wealth management solutions. He serves on the boards of the Terrapin Club and the Annapolis chapter of the University of Maryland Alumni Association. Kim resides in Severna Park, Maryland, with his wife and two children. His personal interests include biking, golfing, and hunting.

Kenneth Barkman is a Series 66-licensed advisor with Wells Fargo Clearing, based in Annapolis, MD, and has 21 years of industry experience. His career includes prior roles at Morgan Stanley, Citigroup Global Markets, and Merrill. He serves as trustee for investment-related family trusts. Wells Fargo Advisors is a national firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing approximately $671 billion in assets through over 14,000 financial advisors.

Brian Lees is a financial advisor with RBC Capital Markets in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He previously worked at M&T Securities from 2008 to 2020 before joining RBC in 2020. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individuals, institutional investors, corporations, and charitable organizations. The firm offers various advisory programs that combine discretionary and non-discretionary portfolio management with financial planning, utilizing a mix of in-house and third-party managers tailored to each client's risk profile.

Ryan Kelly is a financial advisor at Merrill with 20 years of industry experience. He holds the Series 66 designation and has worked at Merrill and J.P. Morgan Securities. His career includes multiple tenures at Merrill, most recently beginning in 2022. 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. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Caitlin Carter is a Series 66-licensed financial advisor with Morgan Stanley in Annapolis, MD, and has 10 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm provides a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Ronn Nuger is a financial advisor at Raymond James Financial with 36 years of industry experience. He holds a Series 63 designation and has worked in various roles including insurance and accounting. Outside of his advisory work, he is also a musician, performing as a singer, entertainer, and dancer. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations, using tailored, non-discretionary solutions supported by advanced analytical tools.

Evan Downey is a financial advisor at RBC Capital Markets with 13 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets LLC since 2011. Outside of his advisory role, he serves on the board of directors for Athletes Serving Athletes, a charitable foundation. 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 and portfolio management services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.