Dawson Barvinchack is a Financial Consultant at Fidelity Investments, where he has been serving since 2025. He has experience in various roles within the company, including Investment Consultant, Relationship Manager, Financial Representative, and High Net Worth Service Associate, reflecting a comprehensive background in client financial services. His professional focus involves assisting clients in aligning their investments with their personal goals, fostering financial confidence, and supporting the achievement of individual milestones. Throughout his tenure at Fidelity Investments, Dawson has worked collaboratively with clients to provide clear and relatable investment guidance. His progression through several roles within the company highlights his breadth of expertise in financial consulting and relationship management. In his personal time, Dawson enjoys activities such as baseball, spending time at the beach, cars, fitness, and music.

Kristina Connell is a CFP® with 18 years of industry experience, currently serving as a financial advisor at LPL Financial. Her prior roles include positions at Grove Point Investments, Grove Point Advisors, H. Beck, Inc., and Old Dominion Investment Corp. She is a board member of the HOA of the Coves of Isle of Wight, a nonprofit organization. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs supported by model portfolios and research from LPL Research and third-party subadvisors.

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 at Cambridge Investment Research Advisors with 16 years of industry experience. He holds Series 66 and Series 63 credentials and previously worked at PKS Investment Advisors LLC. Sweigert serves as a board trustee and treasurer for the Atlantic General Hospital Foundation in Maryland. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers multiple investment strategies and platform arrangements tailored to client objectives, combining proprietary models and access to unaffiliated strategists.

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.

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.

John Kilian Jr. is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began building his practice in 2017, assisting the financial needs of individuals, families, and business owners. In 2019, he returned to his hometown of Salisbury, Maryland, joining the Kilian-Kangas Group and serving a diverse clientele in the Eastern Shore region. John's professional background includes five years in hotel management, where he gained experience leading teams and working with individuals from varied backgrounds. This experience informed his approach to financial advising, emphasizing understanding clients' unique needs to create personalized wealth management strategies. His areas of focus include business exit planning, employee benefits planning, family wealth management, legacy planning, managing new wealth, and retirement income planning. He holds a bachelor's degree from Salisbury University and has earned professional designations including Certified Exit Planning Advisor (CEPA), CERTIFIED FINANCIAL PLANNER (CFP), and Personal Investment Advisor (PIA). Outside of work, John enjoys baseball, basketball, golfing, music, and running.

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.

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.

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.

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.

Larry Leese is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC, and has operated Larry Leese & Associates, P.A. since 1989. Outside of his advisory work, he is involved with his CPA and tax preparation practice through Larry Leese & Associates, P.A., and serves in a fiduciary capacity for a testamentary trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research to support diversified investment strategies.

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.

Timothy Lund is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 2003, Tim has developed and implemented integrated wealth strategies to assist clients in growing, preserving, and transferring their wealth. He focuses on affluent individuals and uses a goals-based planning model to identify client objectives, organize affairs, and prioritize tasks, offering customized financial strategies and consistent communication. Tim's areas of expertise include financial analysis, asset allocation, retirement projections, net-worth reporting, education funding, trust and estate planning, long-term care strategies, and a tax-sensitive approach that considers the interconnected nature of investments, wealth transfer, and charitable initiatives. He emphasizes personal retirement planning, portfolio management, tax minimization, and retirement income in his client relationships. Tim has been in the financial services industry since 1999 and previously worked with Banc of America Investment Services as well as in banking and insurance. Timothy Lund holds a high school diploma from Loyola Blakefield and a bachelor's degree from the University of Delaware. He has earned the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation. He and his wife reside in the Fenwick Island area, where he enjoys golf, skiing, and reading in his free time.

Edward Gerner is a CFP® professional with 16 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. Prior to joining OSAIC, he spent 15 years at Woodbury Financial Services, Inc. He is also president of R. K. Tongue Co., Inc., an insurance brokerage firm. Additionally, he serves as a member at-large for the Beach Lacrosse Club, a nonprofit youth sports organization. OSAIC Wealth, Inc. provides integrated brokerage and advisory services to a diverse client base that includes individuals, institutions, and charitable entities. The firm offers a range of investment solutions supported by asset-allocation tools, risk assessments, and third-party money managers, operating through a large network of affiliated advisors.