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.

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.

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.

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.

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.

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.

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.

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.

Thomas Sweeney is a financial advisor at LPL Financial with 28 years of industry experience. He holds the ChFC® designation along with Series 63, 65, and 66 licenses. His prior experience includes roles at Edward Jones, Andersen Wealth Management, and Cambridge Investment Research. Sweeney is also the author of a book available on Amazon. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and advanced technologies.

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.

Patrick Sears is a Senior Financial Advisor with The Truitt Team at Merrill Lynch Wealth Management, joining the firm in 2016. He collaborates closely with clients to develop a comprehensive understanding of their individual situations, helping them make informed financial decisions aligned with their goals. Patrick contributes to business development within the team and seeks continual improvements in client service by maintaining open communication and providing regular updates on performance and financial adjustments. Born and raised in Maryland, Patrick earned his Bachelor’s degree from Salisbury University. His professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He specializes in areas such as college education planning, corporate retirement plan services, divorce transition planning, family wealth management, legacy planning, and retirement income strategies. Patrick resides in Bishopville, Maryland, and is a member of Glen Riddle Golf Club in Berlin. Outside of his professional work, he enjoys adventure sports, football, golfing, surfing, and traveling.

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.

Brian Dawson is a financial advisor with Raymond James Financial, holding the ChFC® and Series 66 designations and bringing 26 years of industry experience. He has worked at Raymond James Financial Services since 1999 and held a role at Bassett, Dawson & Foy Inc for eight years. Dawson is also a vice president and branch manager of Dawson Wealth Management LLC, a business he co-founded in 2023. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting supported by analytical tools, with a notable affiliation in municipal and public-finance advisory services.