Timothy Gonzales is a financial advisor with Cetera based in Salisbury, MD, holding the CFP® designation and Series 63 and 66 licenses. He has 21 years of industry experience, including ten years at PKS Investment Advisors LLC and several years with Cetera and affiliated entities. Outside of advising, he serves as president of a local nonprofit organization, Crimesolvers of the Lower Eastern Shore, and holds a treasurer position in a hunting club. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with options ranging from model portfolios to bespoke strategies, operating across various program structures and custodial relationships.

John Hough is a Certified Financial Planner® with 24 years of experience in the financial services industry. He has worked at OSAIC since 2024 and previously spent 13 years with American Portfolios Financial Services, Inc. In addition to his advisory role, he co-owns a college aid planning service that assists clients with financial aid applications. OSAIC serves a broad range of clients, including individual and institutional investors, through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services while employing tools such as asset-allocation models, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios.

William Robins is a financial advisor with Morgan Stanley in Salisbury, MD, holding Series 63 and Series 65 designations and bringing 35 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets, employing a structured planning process that includes firm-approved tools and modeling techniques.

Frank Brittingham is a financial advisor with Cetera, holding a Series 63 designation and over 44 years of industry experience. He has worked with Cetera and its affiliates since 2013 and is also the managing partner of Comprehensive Financial Solutions. Outside of his advisory work, he owns a small real estate business. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and consulting services through a nationwide network of independent advisors.

Eugene Garner is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at David Lerner Associates for 18 years, followed by Grove Point Advisors LLC and Grove Point Investments LLC. He is also involved in Garner Group Financial.com, a non-variable insurance-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services with discretionary and non-discretionary management options supported by in-house and third-party research.

Allen Dodson is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked with Primerica Financial Services since 1990 and has been associated with Primerica Advisors since 2020. Outside of his advisory role, he is a partner at Dodson Realty LLC, a business he has been involved with since 2001. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and a limited number of separately managed account options. The firm curates third-party asset managers and delegates trading responsibilities to BNY Mellon Advisors, operating under a tiered wrap-fee structure.

Kristopher Todd is a financial advisor at Morgan Stanley with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America and Merrill. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including financial and estate planning, supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and employer-based financial planning agreements.

Michael Sise is a CFP® professional with 13 years of experience in financial advisory and asset management. He is currently affiliated with Cetera and also serves as a partner and producing representative at Comprehensive Financial Solutions, where he has worked since 2016. Outside of his advisory roles, he is involved in financial leadership at Stevenson United Methodist Church and serves on the board of Seaside Christian Academy. Cetera is an SEC-registered investment adviser with a nationwide network of over 10,000 advisors, managing more than $256 billion in assets. The firm offers a multi-manager platform that serves individual, retirement plan, corporate, charitable, and institutional clients through a variety of portfolio management and financial planning services.

Jessica Eisemann is a financial advisor at Edward Jones with nine years of industry experience. She holds the CFP® certification and the Series 66 license. Eisemann has been with Edward Jones since 2016. She is the founder of the Women's Leadership Council in Salisbury, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Sharon Perdue is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at Morgan Stanley Smith Barney and Merrill prior to her current position. Outside of her advisory role, she is involved in a trust business based in Salisbury, Maryland. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and models to assist clients in planning and investment decisions.

Alison Tingle is a financial advisor with Edward Jones in Laurel, Delaware, holding the ChFC® and Series 66 designations and possessing 11 years of industry experience. She has been with Edward Jones continuously since 2015. 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 nationwide network of more than 23,700 financial advisors and manages approximately $1.01 trillion in assets under management.

Nikolaus Kober is a financial advisor with Cetera and holds a Series 66 designation. He has been in the industry since 2024 and has experience working at firms including RockBridge Investment Group and Avantax Investment Services. Outside of his advisory role, he works at Kober & Company PC, a CPA firm providing tax and accounting services primarily to small business clients. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, employer-sponsored 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 with access to various investment strategies and third-party managers.

Jason Edwards is a financial advisor with Edward Jones in Salisbury, MD, holding a Series 66 license and two years of industry experience. Prior to joining Edward Jones, he worked at Medtronic for seven years. Outside of his advisory role, he manages a rental property listed on vacation rental platforms. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Nathan Canada is a CFP® with two years of industry experience, currently affiliated with Cetera. He has held roles at Cetera Advisors LLC and Comprehensive Financial Solutions, and has a background that includes positions at Salisbury University and Key Financial Services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management alongside financial planning and access to third-party managers through a multi-manager platform with a variety of program options.

Aaron Collins is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Prior to joining Merrill, he worked at Bank of America and Equitable Advisors. Outside of his advisory role, he owns a business providing rental electric scooters and is involved in an insurance brokerage. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, utilizing model-based and discretionary investment strategies for individual and institutional clients.

Elizabeth Brittingham is a CFP® with eight years of industry experience, currently affiliated with Cetera. She has held roles at Cetera Advisors LLC and Comprehensive Financial Solutions since 2017. In addition to her advisory work, she serves as adjunct faculty at Salisbury University, teaching wealth management tax planning. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform.

Adam Dopkowski is a financial advisor with Cetera, holding a Series 66 designation and beginning his advisory career in 2025. His prior experience includes roles at Salisbury University and Camp Hill School District. Outside of finance, he is involved with Hoppers Tap House. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual clients across wealth levels, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform and supports various program structures and custodial relationships.

Robert Sidell is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 51 years of industry experience. Prior to joining LPL Financial in 2021, he operated his own advisory businesses and worked with Waddell & Reed, Inc. He also pursues artistic interests under the pen name "Icky." LPL Financial serves a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations, offering financial planning, advisory programs, and brokerage services supported by model portfolios and research.

Robin Scarborough is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and has prior work history with M&T Bank. 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 financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Robert Kober is a financial advisor with Cetera and holds the Series 66 designation. He has been with Cetera and related firms since 2025 and has 19 years of experience as the president of Kober & Company PC, a CPA public accounting firm providing tax, accounting, and bookkeeping services to individuals and small businesses. His firm focuses on tax planning, tax advice, and representation before tax authorities. Cetera Investment Advisers LLC is an SEC-registered advisor that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management options through a large network of independent advisors and uses a multi-manager platform with access to various investment strategies and third-party managers.