Brody Grove is a CFP® professional with seven years of industry experience, currently practicing at Ameriprise Financial Services. His background includes roles at Bank of America, Merrill, and Sunglass Hut. He is also the owner of Grove & Company, LLC, which manages his Ameriprise business. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that combines detailed recommendation reports with ongoing annual advice focused on dependable income and tax-aware withdrawal strategies.

Scott Smith is a financial advisor at Edward Jones with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, tax-efficient services, and affiliated mutual funds, operating under a fiduciary standard.

Matthew Groff is a financial advisor with Morgan Stanley who holds a Series 66 license and has 25 years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2023, and a 12-year tenure at Bank of America and Merrill. Outside of his advisory work, he owns and operates a thoroughbred racing stable and is a partner in agricultural and real estate investment ventures. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients. The firm offers tailored financial planning supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Andy Kim is a financial advisor with Cambridge Investment Research Advisors, holding a Series 65 designation and seven years of industry experience. He has been with Cambridge Investment Research since 2019 and is also the principal of Kim & Associates, PA, a CPA firm he has led since 2001. Outside of his advisory role, he serves on the boards of Coastal Hospice, Inc. and the Community Foundation of the Eastern Shore. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing multiple custody platforms and a range of discretionary and non-discretionary investment strategies.

Reena Oettinger is a financial advisor at LPL Financial with 34 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Grove Point Advisors, Northstar Realty Finance Corp., and Grove Point Investments. Outside of her advisory role, she maintains entrepreneurial involvement with an investment-related home-based business. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Christopher Dear is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. He previously worked at Grove Point Advisors, LLC, Old Dominion Investment Corp., Grove Point Investments, LLC, and Appian Corporation. 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, and institutional platforms, supported by a large network of investment adviser representatives.

Harold Gordy III is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 25 years of industry experience. He has been with Cambridge since 2009 and is also the owner of Coastal Wealth Management LLC, where he authored two financial books. Additionally, he has worked as an independent insurance agent for various companies. Cambridge Investment Research Advisors serves a broad client base including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals. The firm offers a range of portfolio management options including proprietary models, third-party strategists, and flexible custody arrangements tailored to client objectives.

Jeffrey Carr is a financial advisor with Edward Jones, holding a Series 66 designation. He has approximately three years of industry experience, including roles at Edward Jones and Hammerhead's. Prior to his advisory career, he worked in various roles spanning several industries, including service positions at Slate Cafe and 2 Stones Pub. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Kristina Connell is a CFP® professional affiliated with LPL Financial, with 18 years of experience in the financial services industry. Her prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Old Dominion Investment Corp. She serves as a board member for the HOA of the Coves of Isle of Wight, a nonprofit organization in Ocean City, MD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party subadvisors, and institutional platforms.

Zachary Newton is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial services career in 2016 after transitioning from the Energy Procurement Industry. Zach partners with clients to develop personalized, goals-based financial plans that address a broad range of needs, including family wealth management, retirement income strategies, legacy planning, liquidity management, tax minimization, and small business strategies. Zach holds a Bachelor of Arts degree in Political Science from Salisbury University and has earned the CERTIFIED FINANCIAL PLANNER® designation from The Certified Financial Planner Board of Standards, Inc., supporting his commitment to comprehensive lifetime financial planning. He is also a Personal Investment Advisor (PIA). In addition to his professional work, Zach serves as a board member for the Ocean City Light Tackle Club and the Ocean City Surf Club. He has volunteered with the Ocean City Chamber of Commerce Young Professionals and the United Christmas Spirit Campaign. Zach resides in Bishopville, Maryland, with his wife and business partner, Anna, and their two children.

James Whitlock is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 designation and previously worked at Cetera ADVISORS LLC for six years before joining Fidelity. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a broad client base, including retail and institutional investors. The firm’s investment approach combines fundamental research with quantitative analysis and algorithmic portfolio construction, providing model portfolios through systematic methodologies and long-term asset allocation frameworks.

Denise Mersinger is a financial advisor at Merrill with 27 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at Merrill since 2001 and Bank of America, N.A. since 2009. Denise serves as Vice President for the local chapter of BNI Maryland, a business networking group, and is an advisory board member of the National Academy Foundation’s Academy of Finance. 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, offering model-based and discretionary investment strategies for a range of client types including individuals, high-net-worth clients, and institutions.

Steven Sweigert is a financial advisor with Cambridge Investment Research Advisors and holds the Series 63 and Series 66 designations. He has 16 years of industry experience, previously working at PKS Investment Advisors, Truist Investment Services, and Edward Jones. Sweigert serves as a board trustee for Atlantic General Hospital and as treasurer for the Atlantic General Hospital Foundation. Cambridge Investment Research Advisors is a large SEC-registered firm serving individuals, pension plans, charitable organizations, and other clients through financial planning, investment management, and retirement advisory services. The firm offers a range of investment solutions, including proprietary and third-party model strategies, delivered by a network of independent Financial Professionals.

Alexis Mumford is a financial advisor at Edward Jones with a Series 66 designation and three years of industry experience. Before joining Edward Jones, she held roles in the hospitality and construction sectors, including positions at The Atlantic Hotel and Becker Morgan Group, Inc. Outside of her advisory work, she is involved in the local food service industry as a part-time server for restaurant and catering businesses in Maryland. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of investment advisory programs and services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large nationwide network of advisors and branch offices.

Christopher Hoen is a financial advisor with Ameriprise, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he manages a commercial real estate business through CJ Holdings LLC. Ameriprise serves individuals approaching or in retirement, offering a retirement-income planning service focused on clients with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations supported by a centralized consulting team.

Ryan Lenet is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. He is a member of the 401(k) committee for The Associated Jewish Charities and serves on the investment committee for the Baltimore Hebrew Congregation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory services.

John Kilian Jr. is a financial advisor at Merrill with eight years of industry experience and holds a Series 66 designation. He previously worked at Grand Hyatt Washington before joining Merrill and Bank of America, where he has been since 2017 and 2018 respectively. Merrill serves a broad range of clients including individuals, retirement plans, corporations, and institutional clients, providing managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm combines multiple program strategies with oversight from its CIO and platform, leveraging its affiliation with Bank of America to support a wide range of trading, lending, and capital-markets activities.

John Arrington is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Equitable Advisors, Atlantic Plastic Surgery, and University of Maryland. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Christine Selzer is a CFP® professional with 25 years of industry experience, currently serving at Ameriprise Financial Services LLC. Her prior experience includes roles at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated. She is also involved in independent insurance brokering and co-owns investment-related businesses Allegiant Private Wealth, LLC and Selzer & Associates, LLC. Ameriprise is an institutional firm offering retirement-income planning services primarily for clients with significant investable assets, combining research-driven strategies and algorithmic tools to provide tailored, tax-efficient retirement recommendations.

William Fenstermacher is a financial advisor with Cetera and holds the PFS™ and Series 66 designations. He has 19 years of industry experience, including roles at Avantax Advisory Services and ownership of accounting firms such as Tyler & Company, LLC and Fenstermacher & Company, PC. In addition to his advisory work, he provides accounting and tax services through his own firms. Cetera Investment Advisers LLC is a large SEC-registered firm serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management options through a multi-manager platform that includes affiliated and unaffiliated managers, with assets under management exceeding $256 billion.