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.

Behzad Baharloo is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Wells Fargo Clearing with two years of industry experience. His prior roles include positions at Merrill, Regions Bank, and Cetera. He was also involved in a family business, Orelity Family Fund, from 2013 to 2022. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non‑qualified deferred compensation plans, offering both discretionary and non‑discretionary services. The firm’s advisory process is IPS‑driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Bill Polizos is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 10 years of industry experience. His prior roles include positions at PNC Investments LLC, Capital One Advisors, LLC, Capital One Investing, LLC, and Morgan Stanley. Outside of his advisory work, he is involved with Marniso Wealth Advisors Inc., a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers diverse advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 with the Series 66 credential and four years of industry experience. Prior to joining Raymond James, Decker held roles with the Miami Dolphins and the Miami Open and Hard Rock Stadium. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Marco Rosas Ruiz is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and four years of industry experience. He has been with Wells Fargo Clearing since 2021 and has worked at Wells Fargo Bank, NA since 2016. Outside of his financial career, he is involved in the hospitality industry as a cashier at Timbuktu Restaurant in Hanover, MD. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

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.

Matthew McGehrin is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has served since 2007. He also holds the role of Merrill Institutional Consultant, with a focus on serving nonprofit organizations, foundations, and endowments. Matt works with clients to develop portfolios designed to withstand market volatility while aligning with clients' goals and values, emphasizing clear communication and a strategy-first approach tailored to individual and organizational needs. Matt holds several professional certifications, including the Chartered Financial Analyst (CFA®) and CERTIFIED FINANCIAL PLANNER (CFP®) designations. He earned his bachelor's degree in finance from the University of Maryland in College Park. Committed to continuous learning, he adapts client portfolios proactively in response to market changes. Beyond his professional duties, Matt serves on the Board of the Alliance for the Chesapeake Bay and acts as a site coordinator for their Project Clean Stream, recruiting volunteers for environmental restoration efforts. He resides in Annapolis with his wife and two daughters and engages in personal interests such as golfing, running, and traveling.

Margaret Kosmerl is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. She has been with LPL Financial since 1997. Kosmerl is involved in non-variable insurance, including long-term care insurance. 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 various advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Aaron Troup is a CFP®-certified financial advisor with Ameriprise, based in Arnold, MD, and has 21 years of industry experience. His prior roles include positions at Raymond James Financial Services and EZ Federal Benefits Education. Ameriprise provides a retirement-income planning service targeting individuals near or in retirement with significant investable assets, offering detailed written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools to support its advisory process.

Shamli Mamgain is a financial advisor at Wells Fargo Clearing with Series 65 and Series 63 licenses and four years of industry experience. Prior to joining Wells Fargo, she held roles at Urban Cooperative Bank Limited and Newbt Teas of London. She is also affiliated with the University of Baltimore. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Tracy Donoho is a financial advisor at Ameriprise with 11 years of industry experience. She holds a Series 66 designation and has been with Ameriprise and its affiliate firms since 2014. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet certain asset thresholds, combining research, modeling, and tax-efficiency analysis to provide written recommendation reports. The firm serves clients through a centralized consulting team and emphasizes a mix of advisory, brokerage, and insurance solutions typical of a large institutional firm.

James Lee is a financial advisor with MassMutual Investors Services in Columbia, MD, holding Series 63 and Series 66 licenses and 30 years of industry experience. He has held roles at Metropolitan Life Insurance Company and MetLife Securities Inc. since 1999 and has been with MassMutual Investors Services since 2017. Outside of advising, he is an agent involved in life and health insurance and owns Metropolitan Wealth Advisors, LLC. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative annual planning relationships and provides specialized event-driven planning, including estate settlement and divorce planning.

Kevin Turnock is a CFP® with 31 years of industry experience, currently affiliated with RBC Capital Markets in Annapolis, MD. His prior experience includes over a decade at Morgan Stanley in various private banking roles. Outside of his advisory duties, he is involved in family and personal real estate businesses, holding positions such as limited partner and general partner in several investment-related entities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm provides tailored portfolio management and financial planning services through multiple advisory programs, leveraging both in-house and third-party investment managers to meet clients’ Advisory Risk Profiles.

Nicole Mc Donald is a Financial Advisor with Merrill Lynch Wealth Management. She partners with individuals, families, and organizations to develop personalized financial strategies aimed at pursuing long-term goals by aligning money with clients' values and aspirations. Nicole's experience includes a background in the hospitality industry, which contributes to her focus on listening and delivering tailored financial guidance. She provides support in areas such as retirement planning, wealth preservation, liquidity management, portfolio management services, and financial strategies for business owners and mission-driven organizations. Nicole holds the designations of CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). She earned a Bachelor's Degree from Howard University and is involved in community service through the Howard University Alumni Club and the Phi Sigma Chapter of Sigma Gamma Rho Sorority, Inc. Nicole's personal interests include basketball, hiking, music, photography, spending time with family, and traveling.

Dejan Vujinovic is a Senior Financial Advisor with Merrill Lynch Wealth Management. He brings over 15 years of experience in wealth management, sales, and finance to his role, focusing on helping clients achieve their financial goals through personalized strategies. Dejan collaborates closely with clients to develop flexible financial plans that respond to changing market conditions and provide access to Merrill's investment insights alongside Bank of America's banking and lending solutions. Dejan holds a Master's Degree and a Bachelor's Degree from University Paris XII. He has earned professional designations including Personal Investment Advisor (PIA) and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Fluency in Serbo-Croatian, French, and English enables him to serve a diverse client base. Committed to community engagement, Dejan participates in local volunteer activities inspired by Merrill Lynch’s tradition of community service. Outside of his professional duties, he enjoys basketball, reading, soccer, and traveling.