Norman Scherer is a financial advisor at Osaic with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Fortis Investors, Inc. for nearly three decades before joining Osaic in 2024. Scherer serves as Vice President of the National Association of Insurance and Financial Advisors (NAIFA) Greater Washington chapter and volunteers regularly with the Veterans of Foreign War (VFW). He also operates Scherer Financial Advisors, focusing on life insurance, long-term care, and fixed annuities. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers and advisory platforms. The firm employs various asset-allocation tools and offers integrated brokerage, financial planning, and managed account services.

Charmaine Davis is a financial advisor at Ameriprise with eight years of industry experience. She holds a Series 66 designation and previously worked at Citizens Securities Inc., Bank of America, Merrill, and BB&T. In addition to her advisory role, she is involved in independent insurance brokering and serves as an associate advisor with Guardian Advisors. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients with written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

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.

Zachary Chryst is a Certified Financial Planner (CFP®) with 26 years of industry experience. He is currently with Wells Fargo Advisors, where he has worked since 2020, following nine years at Bank of America and over two decades at Merrill. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services tailored to clients who meet a net-worth threshold. The firm offers a broad range of planning services and uses proprietary research and tools to develop customized recommendations.

Brock Hively is a CFP® professional at LPL Financial with 28 years of industry experience. He has worked at RBC Capital Markets since 2012 and joined LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Eric Johnston is a CFP® with 32 years of experience and is currently affiliated with Cetera. He has worked with Cetera Advisors LLC since 2013 and owns Infocus Financial Advisors Inc. Outside of his advisory role, Johnston teaches classes on retirement planning, Social Security, and investments through the Delaware Financial Literacy Institute and serves on several nonprofit boards and committees focused on community leadership and fundraising. 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 multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across various program structures.

Karen Wearden is a financial advisor at LPL Financial with 10 years of industry experience. She holds the CFP®, ChFC®, and Series 66 credentials. Prior to joining LPL Financial in 2024, she worked at Edward Jones from 2015 to 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

Jennifer Scott is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, she worked at Global Market Insights Inc. for four years and spent eleven years at Lois James DDS. She is a general member of the Southern Sussex Rotary in Selbyville, DE. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of over 23,700 advisors and offers a range of advisory and investment solutions under a fiduciary standard.

Michael Franchino is a financial advisor at Edward Jones with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Merrill Lynch and Bank of America. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and maintains a large network of financial advisors and branch offices, managing approximately $1.01 trillion in assets under management.

Jonathan Hodges is a financial advisor at Edward Jones with Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he served seven years at the Naval Supply Systems Command and eight years at the Naval Sea Logistics Center. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Leo Ritter is a financial advisor with Edward Jones, holding Series 63 and Series 66 designations and possessing 22 years of industry experience. He has been with Edward Jones since 2004. 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 advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, affiliated mutual funds, and tax-efficient solutions.

Franklin Raines Jr. is a financial advisor with LPL Financial, holding Series 65 and Series 66 licenses and 25 years of industry experience. Prior to joining LPL in 2024, he spent 19 years at Royal Alliance Associates, Inc. Outside of his advisory work, he is a part-time entertainer and actor, and also serves as an internet minister performing weddings. Additionally, he works as a USA Swimming official. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and brokerage solutions through a national network of investment adviser representatives.

Katy Cleary is a financial advisor at LPL Financial with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has worked with M&T Securities and M&T Bank since 2012. Outside of her advisory role, she is a distributor for Young Living Essential Oils. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning, advisory programs, and retirement plan consulting, supported by research and model portfolios.

Cody Smith is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Edward Jones since 2020. His prior work includes roles at Nalu Surf Bar and Rusty Rudder, as well as positions within the Cape Henlopen School District and the University of Delaware. Outside of his advisory role, he is involved in managing short-term rental properties in Rehoboth Beach, Delaware. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals and institutions, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, investment solutions, and affiliated financial services through a nationwide network of over 23,000 advisors and more than 15,000 branch offices.

Lester Dennis is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Wells Fargo Clearing. Outside of his advisory work, he is involved in farm and timber land ownership in Snowhill, MD, which he manages jointly with his spouse. Wells Fargo Advisors provides investment and fee-based financial planning services to individuals, trusts, and institutional clients, offering a broad range of planning options that include retirement, education, risk, and wealth-transfer strategies. The firm’s approach combines proprietary research and planning tools with flexible implementation choices across brokerage and advisory programs.

Ann Crehan is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Edelman Financial Engines. She has worked within the firm and its predecessor entities since 2010. Edelman Financial Engines offers technology-driven investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines a proprietary modeling process with planner support and online tools to provide diversified portfolio management and advice across workplace and retail channels.

Joseph Schroen is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Cetera Advisors LLC since 2013. Schroen is also the owner and president of CFS Tax Solutions, a tax and Medicare consulting business. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to model portfolios, third-party money managers, and various program structures.