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 13 years of industry experience. He holds the Series 63 and Series 65 credentials and has previously worked at Folger Nolan Fleming Douglas Inc. and PNC Investments. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, providing discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services.

Ishmael Willey IV is a Financial Advisor with Merrill Lynch Wealth Management. Prior to this role, he served as a Registered Wealth Management Client Associate with the Beane, Smith & Associates team in Easton, Maryland, where he supported clients and advisors by providing licensed client service, operational support, and investment-related assistance to ensure a seamless wealth management experience. He earned a Bachelor of Science degree in Finance from Salisbury University in 2022 and completed his Master of Business Administration there in 2024. In 2026, Ishmael obtained the Chartered Retirement Planning Counselor (CRPC) designation. His professional journey includes experience in hospitality, consulting, and wealth management, which has influenced his relationship-focused approach to client service. Outside of his professional commitments, Ishmael enjoys spending time with his family and friends, engaging in fitness activities, traveling, exploring local coffee shops, and hunting. He also follows football and baseball, supporting the Dallas Cowboys and Baltimore Orioles.

Scott Gundersen is a financial advisor at Raymond James & Associates with 35 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at multiple Federated entities from 1997 through 2023. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning, investment consulting, and municipal advisory services, supported by extensive research and 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 in Easton, MD, holding a Series 66 designation and having 23 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers comprehensive financial planning using structured discovery processes and proprietary tools, managing approximately $2.74 trillion in client assets.

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 in Easton, MD, holding a Series 66 license and two years of industry experience. His prior roles include positions at Edward Jones and Lombard Securities, and he has experience in both banking and real estate sectors. Fox also holds an insurance license covering accident and health, life, variable life, and variable annuity lines. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

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 career includes roles at Morgan Stanley Private Bank, MORGAN STANLEY SMITH BARNEY llc, Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Morgan Stanley Dw Inc. He serves as a board member of the Denton Town Planning Commission in Maryland. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs for individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and market scenario modeling.

Theresa Durnbaugh is a financial advisor at Morgan Stanley with 25 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009. Prior to that, she held positions at Deutsche Bank Securities Inc., Citigroup Global Markets, and Legg Mason Wood Walker, Incorporated. She is also a partner in an agricultural venture, Burgett Farm Partnership. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured tools and modeling techniques and offers a range of retail and institutional investment services.

Chet Mcwilliams is a financial advisor with Cetera, holding the ChFC® designation and Series 63 license, and has 39 years of industry experience. His prior roles include a 17-year tenure at Lincoln Financial Securities Corporation and leadership of McWilliams Financial Group since 1995. He serves on the board of the Cambridge Lighthouse Foundation, which supports preservation efforts for the Choptank River Lighthouse. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors serving a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through multiple program structures and manager options.

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.

Jack Glessner is a financial advisor with LPL Financial in Cambridge, Maryland, holding a Series 66 designation and six years of industry experience. He previously worked for Talbot County, Maryland, from 2015 to 2019 before joining LPL Financial in 2019. 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, model portfolio programs, third-party asset management access, and institutional platforms.

Crystal Wise is a Series 66-licensed financial advisor with Morgan Stanley, bringing 18 years of industry experience. Prior to joining Morgan Stanley Smith Barney LLC in 2022, she worked at Wells Fargo Clearing from 2016 to 2022. Outside of her advisory role, she serves as a board member for the Bonnie Brook Homeowners Association, where she participates in community event planning and newsletter preparation. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and delivers services through a structured planning process without making individual security recommendations.

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.