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.

Jonathan Murray is a financial advisor with UBS Financial Services and holds Series 63 and Series 65 licenses. He has 36 years of industry experience, including 19 years with UBS. Outside of his advisory role, he is an author and guest speaker through The Murray Twins, serves on the advisory board for the University of Maryland System Foundation, and is a board member at Boys Latin School of Maryland. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services. The firm integrates institutional trading capabilities with wealth management, offering model-based asset allocations and proprietary research to tailor financial plans to clients’ goals and risk tolerances.

Heather Hubert is a financial advisor with Merrill and holds Series 63 and Series 66 licenses. She has 18 years of industry experience and has been with Merrill since 2015. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Christopher Dear is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. His prior roles include positions at Grove Point Advisors, Old Dominion Investment Corp., Grove Point Investments, Appian Corporation, and the University of Maryland, College Park. 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 portfolios, third-party asset management, 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.

Franklin Rayne III is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at M&T Securities, M&T Bank, First Allied Securities, and Valic Financial Advisors. In addition to his advisory role, he is a notary in Seaford, Delaware. 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 financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advice with a range of discretionary and non-discretionary investment strategies.

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.

Charles Anderson is a financial advisor with UBS Financial Services, holding Series 63 and Series 65 licenses and having 54 years of industry experience. His prior work includes roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated. He has been with UBS Financial Services since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering services such as principal trading, market-making, and proprietary research.

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.

Norman Scherer is a financial advisor at OSAIC with 29 years of experience in the industry. He holds Series 63 and Series 65 licenses and has a long tenure at Fortis Investors, Inc. Additionally, he serves as Vice President of NAIFA Greater Washington and volunteers weekly with the Veterans of Foreign War (VFW) #7434. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services supported by advanced portfolio construction tools and multiple third-party platforms.

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.