Andrew Coyne is a financial advisor with Edelman Financial Engines in Annapolis, MD, holding Series 63, Series 65, and Series 66 licenses and possessing 29 years of industry experience. He has worked at various related entities within the Financial Engines and Edelman Financial Engines umbrella since 2015. Outside of his advisory role, he has a brief credit as a cast extra in a film production. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a committee-driven modeling process with planner delivery and online tools, offering diversified portfolios and both discretionary and non-discretionary management options.

Marshall Boroshok is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has spent his entire financial services career with Merrill Lynch, joining in 2016 after graduating from the Robert H. Smith School of Business at the University of Maryland with a Bachelor of Science degree in Economics. Marshall works with a diverse clientele including veterans, executives, and civil servants, providing tailored investment, retirement, and estate planning strategies. He focuses on mitigating risk and tax consequences in his clients' financial plans, emphasizing the importance of a structured retirement strategy. His professional credentials include the CERTIFIED FINANCIAL PLANNER (CFP) certification and designation as a Personal Investment Advisor (PIA). He and his fiancé Emily live in Baltimore, Maryland, with their chocolate Labrador, Bear.

Scott Robinson is a CFP® professional with 39 years of industry experience. He is currently with Raymond James Financial Services Advisors, Inc. and previously spent 29 years at Commonwealth Equity Services, Inc. He is also involved with First Reserve Retirement Services, a support company based in Annapolis, MD. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth investors, pension plans, and government entities. The firm offers customized solutions such as its SIMPLE IRA Employer Advisory & Consulting Services program and maintains a linkage to municipal and public finance activities through its broader affiliate network.

Mark Livoti is a financial advisor at UBS Financial Services with 17 years of industry experience. He holds the Series 66 designation and has been with UBS since 2007. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Justin Whitcome is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he held positions in construction and government services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios.

Owen Motsay is a financial advisor at Ameriprise with a Series 66 credential and just over a year of industry experience. His background includes periods of full-time education and work at Norseman Defense Services, Killarney House, and Eastport Yacht Club. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides detailed retirement planning advice focused on income sources and tax-aware withdrawal strategies.

Catherine Cawood is a financial advisor at OSAIC with 11 years of industry experience. She holds a Series 66 designation and has previously worked at FSC Securities Corporation, Northwestern Mutual Investment Services LLC, and Wells Fargo Advisors. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, retirement plan consulting, and access to third-party money managers and wrap programs.

Kimberly Berry is a CFP® professional with 25 years of industry experience, currently serving at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, incorporating a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

Brian Feeley is a financial advisor at OSAIC with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors, Mass Mutual Investors Services, and MetLife Securities. Outside of advising, he manages rental properties as a sole proprietor. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, using a range of tools and third-party solutions to construct diversified portfolios tailored to client needs.

Brian Terlinsky is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has been with J.P. Morgan Securities and Jpmorgan Chase Bank NA since 2014 and holds Series 63 and Series 66 credentials. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Heather Lakner is a financial advisor at RBC Capital Markets with six years of industry experience. She holds the Series 66 designation and has previously worked at Morgan Stanley and Palate Pleasers. Outside of her advisory role, she has been involved with Centerpiece Boutique and Design. 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 wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles through a combination of in-house and third-party investment managers.

Isandra Salinas is a financial advisor at Ameriprise with 23 years of industry experience. She holds Series 63 and Series 65 designations and has previously worked at Merrill, Charles Schwab, and Morgan Stanley Smith Barney. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary advice through a centralized consulting team.

Robert Kirkland II is a financial advisor with Ameriprise in Clinton, MD, holding a Series 66 designation and three years of industry experience. His prior roles include positions at JPMorgan Chase & Co., SunTrust Bank, Wells Fargo, and Supreme Ledning. Outside of his advisory work, he is the owner of The Kirkland Group LLC, a consulting business, and serves on the Board of Directors for the Cam Kirk Foundation. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Cory Paton is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping clients meet their financial goals by implementing personalized, well-rounded strategies tailored to their unique situations. Cory advises on areas including corporate executive services, equity compensation services, family wealth management strategies, liquidity management, personal retirement planning, and tax minimization. Cory started his professional career at PricewaterhouseCoopers (PwC) within the Consumer Industrial Products & Services group, where he provided tax and consulting services to large public companies. He earned his Certified Public Accountant (CPA) designation in 2018 and held a manager role at PwC. Cory holds a Bachelor of Science degree in Accounting and Business Administration from Washington & Lee University and a Masters in Accounting with a concentration in Tax Consulting from the University of Virginia. He also holds the Chartered Retirement Planning Counselor™ designation and the CERTIFIED FINANCIAL PLANNER® certification, as well as Series 7 FINRA and Series 66 NASAA registrations. Residing in Annapolis, Maryland, Cory is active in the Annapolis/Anne Arundel Financial Education Coalition, which works to increase financial education among local residents. Outside of his professional commitments, he enjoys golfing, playing basketball, boating, and listening to podcasts. Cory does not provide legal or tax advice in his role at Merrill Lynch.

Scott Mcroy is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 licenses and possessing 39 years of industry experience. He previously worked at Merrill for 33 years before joining Ameriprise in 2009. In addition to his advisory work, Mcroy serves as Vice Chair of the Anne Arundel Medical Center Foundation Board and chairs the foundation’s Finance Committee. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, offering tailored recommendation reports that incorporate income, Social Security, and tax strategies. The firm combines research and modeling with automated and personalized advice, focusing on assets managed within Ameriprise accounts.

Seth Bergen is the Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2020, progressing from Investment Consultant to Financial Consultant before his current role. Prior to Fidelity, Seth gained experience as an Investment Advisor at Glass Jacobson, a Wealth Advisor at Sawyer Wealth Management, and a Financial Advisor at AIG Financial Network. Throughout his career, Seth has focused on providing client-first financial planning, working closely with clients and their families to build confident financial futures. His professional journey reflects a consistent commitment to pursuing clients' financial success through strong and lasting relationships. Outside of his professional work, Seth has personal interests that include fitness, golf, playing instruments, motorcycles, snowboarding, and traveling.

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 CFP® with 23 years of industry experience, currently affiliated with LPL Financial in Bowie, MD. He has been with LPL Financial since 2008 and also works with Tower Federal Credit Union. Outside of advisory work, he is involved in managing residential rental properties through Sobers & Associates, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm provides financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

Madison Decker is a financial advisor at Raymond James & Associates holding a Series 66 designation with four years of industry experience. Prior to joining Raymond James, Madison worked with the Miami Open, Hard Rock Stadium, and the Miami Dolphins. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and government entities. The firm offers wealth advisory planning, investment consulting, and municipal finance services through a range of programs and affiliated resources.

Michael Norris is a financial advisor with RBC Capital Markets holding a Series 66 designation and 19 years of industry experience. He previously worked at Morgan Stanley Smith Barney and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse range of clients including individuals, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile and investment preferences.