Deborah Elmes is a financial advisor with Morgan Stanley in Easton, MD, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, National Association. Outside of finance, she owns Chestnut Manor Farms, where she is paid for hunting rights. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning services supported by firm‑approved planning tools and the Global Investment Committee’s models. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning solutions.

Christina Seidel is a financial advisor at Merrill with 12 years of experience, including her entire tenure at Merrill since 2014. She holds a Series 66 designation and is based in Easton, MD. 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 developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Allyson Adkins is a financial advisor at RBC Capital Markets with four years of industry experience. She holds a Series 66 designation and has worked previously at Folger Nolan Fleming Douglas Inc., the US Department of Agriculture, and Atlantic Financial Group. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, along with integrated financial planning, custody, and brokerage services.

William Fryer is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Folger Nolan Fleming Douglas Inc. and PNC Investments prior to joining RBC. 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 advisory programs that provide portfolio management, financial planning, custody, and brokerage services, utilizing both in-house and third-party investment managers.

Ishmael Willey IV is a Financial Advisor at Merrill Lynch Wealth Management. He holds the Chartered Retirement Planning Counselor (CRPC) designation. Information about his experience, areas of expertise, education, or personal interests is not provided.

Scott Gundersen is a financial advisor with Raymond James & Associates, holding Series 63 and Series 66 credentials and 34 years of industry experience. He previously worked for Federated Global Investment Management Corp and its affiliated entities from 1997 to 2023. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a broad client base, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a nationwide adviser network.

Kathryn Pratt is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 designations and bringing 18 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a variety of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market modeling techniques.

Semene Gilden is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds the CFP® and ChFC® designations and has previously worked at Bank of America, Merrill, and BB&T. Gilden serves as a board member of the Centreville Rotary in Maryland. Morgan Stanley Wealth Management provides advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and proprietary tools to develop financial plans, while generally acting in an advisory capacity.

James Malena is a financial advisor with Morgan Stanley, holding a Series 66 designation and 22 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-based financial planning services.

Grant Maloof is a CFP® professional with two years of industry experience, currently advising at OSAIC. He has prior experience at Lincoln Financial Advisors and South River Mortgage. He also supports a registered representative through an affiliated financial professional trainee role. OSAIC serves a broad range of retail and institutional clients, providing integrated brokerage and advisory services through a large network of advisers. The firm employs asset-allocation tools and third-party platforms to construct diversified portfolios and offers both discretionary and non-discretionary account management.

Justin Smith is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 credential and has been with Bank of America, N.A. and Merrill since 2013. Outside of his advisory role, he serves as a committee member for Bay-Area Young Life, a nonprofit organization focused on youth faith development. Merrill serves a broad client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, and discretionary portfolio management. The firm emphasizes tax-efficient investment strategies and integrates with Bank of America’s broader banking and capital markets platform.

Bradley Hill is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Morgan Stanley Private Bank, N.A. since 2015 and MORGAN STANLEY SMITH BARNEY LLC since 2009. Hill is also involved as a manager in several private investment entities in Bethany Beach, Delaware. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and integrates multiple investment strategies, including private funds and structured products, within its offerings.

William Fox is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His prior work includes positions at Edward Jones and Shore United Bank. Outside of advising, he has experience connected to Eden Town Brewing Company and holds an insurance license covering accident and health, life, variable life, and variable annuity products. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations through a broad network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management with access to proprietary and third-party research.

Benjamin Gardner is a financial advisor at Charles Schwab with Series 66 credentials. He joined the firm in 2023 and has experience coaching age group swimmers as an assistant swim coach for TCY Swimming and Talbot Swim Club. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized operational infrastructure.

William Quick is a CFA® charterholder with 40 years of industry experience, currently serving as a financial advisor at Morgan Stanley. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is a board member of the Denton Town Planning Commission in Maryland. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services through its Financial Advisors and Estate Planning Strategies Group.

Theresa Durnbaugh is a financial advisor with Morgan Stanley Wealth Management in Easton, MD, holding a Series 66 designation and 24 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Outside of her advisory role, she is a partner in the Burgett Farm Partnership, which is involved in agriculture in Bowie, Maryland. Morgan Stanley Wealth Management provides advisory and brokerage services to individual and institutional clients, offering tailored financial planning supported by a structured discovery process and firm-approved planning tools.

Stephanie Saunders is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and economic modeling.

Crystal Wise is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds the Series 66 designation and has worked previously at Wells Fargo Advisors and Wells Fargo Clearing. Outside of her advisory role, she serves as a board member for the Bonnie Brook Homeowners Association, where she helps plan community events and manage budgeting. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and analyses.

Bradley Miller is a Wealth Management Advisor with Merrill Lynch Wealth Management. He takes a comprehensive approach to managing wealth by first listening to clients' needs and ensuring that every strategy aligns with their personal goals. His expertise spans family wealth management strategies, services for endowments, foundations, and non-profits, investment consulting for defined contribution plans, personal retirement planning, portfolio management services, individual and corporate investment strategy, and retirement income. Leveraging the investment insights of Merrill and the banking services of Bank of America, Bradley addresses various aspects of his clients’ financial lives. Bradley was born and raised on Maryland's Eastern Shore and earned a Bachelor's Degree from Salisbury University. He holds the Series 7 and 66 FINRA registrations, is a National Insurance Producer for Life, Health & Long Term Care Insurance, and is an NMLS Registered Agent. Additionally, he has earned the Certified Investment Management Analyst (CIMA) and Personal Investment Advisor (PIA) designations. Outside of his professional work, Bradley enjoys fishing, golfing, hunting, and spending time with his family. He resides in Easton with his wife, Megan, and their daughters, Claire and Jane.

Ronald Flohr is a financial advisor with Morgan Stanley in Easton, MD, holding CFP® and Series 66 credentials and possessing 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney LLC, Bank of America, and Merrill. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and corporate agreements.