Frederick Ehrsam is a financial advisor with Raymond James Financial in Bel Air, MD, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. He has been with Raymond James since 2014. Outside of advisory work, Ehrsam is a partner in Calluna Vineyards and operates Ehrsam Wealth Strategies LLC, a support company. 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 using analytical tools and supports its clients through various advisory programs and institutional consulting.

Penny Huff is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Citigroup Global Markets from 2008 to 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Grant Dircks is a financial advisor with Wells Fargo Clearing holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting, managing approximately $671 billion in assets with over 14,000 financial advisors. The firm offers both brokerage and advisory solutions, relying on research and diversification principles to guide investment decisions.

Alec Mouring is a financial advisor at OSAIC with nine years of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Securities, Fidelity Investments, Fidelity Brokerage Services LLC, and AXA Advisors LLC. Outside of advisory work, he is a licensed insurance agent offering fixed annuities and traditional life insurance, and he also provides notary services. OSAIC serves a diverse client base including retail and institutional investors and offers integrated brokerage and advisory services. The firm utilizes a range of investment tools and platforms to construct portfolios across various asset classes, providing both discretionary and non-discretionary management options.

Melissa Harbold is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been a financial advisor since 2004, focusing on areas including family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Melissa earned her Bachelor of Business Administration degree from Loyola College in Maryland and became a CERTIFIED FINANCIAL PLANNER® practitioner in 2008. She holds additional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). She is involved in multiple professional and community organizations, serving as the current chair of the Port Deposit Historic Area Commission and a member and past president of the Chesapeake Professional Women's Network. She also participates with the St. Margaret School Home and School Association. Melissa is married and has two children.

Adam Freeland is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and 20 years of industry experience. He has been with Cambridge Investment Research Advisors since 2010. Outside of his advisory work, he serves as president and independent insurance agent at Harford Financial Group. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a wide range of clients, including individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent financial professionals, providing tailored investment solutions across various custody platforms and discretionary options.

Michael Blum is a financial advisor with Primerica Advisors in Aberdeen, MD, holding Series 63 and Series 65 licenses and having 34 years of industry experience. He has been with Primerica Financial Services since 1999. Primerica Advisors sponsors a wrap-fee asset management program that serves individual, corporate, and charitable clients through a large network of advisors. The firm employs model-delivery strategies developed by third-party asset managers and provides discretionary portfolio management primarily for individual investors.

Michael Stecher II is a financial advisor at Osaic Wealth, Inc. He holds the Series 66 designation and has one year of industry experience. Stecher has held roles at Osaic Wealth, Stecher Financial Group, and several security services firms. Osaic Wealth, Inc. serves a diverse client base including retail, high-net-worth, pension, and corporate investors, offering integrated brokerage and advisory services. The firm employs asset-allocation tools and third-party platforms to construct and manage portfolios across a range of investment types.

Colin Miller is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has prior work experience in healthcare and soccer-related organizations. 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 advisors and offices.

James Sterling is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with Raymond James since 2014. Sterling serves as a trustee managing investment accounts for a family trust and oversees distributions in accordance with the trust’s terms. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm uses tailored, non-discretionary consulting based on risk profiling and modeling tools and supports a broad network of advisors with specialized offerings including municipal advisory and SIMPLE IRA Employer Advisory services.

Jeffrey Niedzwiecki is a financial advisor at Ameriprise with seven years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2019. Outside of his advisory role, he is involved in website product maintenance and search engine optimization for Intercon Truck Equipment. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing planning advice focused on income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Russell Smouse is a financial advisor with RBC Capital Markets in Bel Air, MD, holding a Series 66 designation and one year of industry experience. He has worked at RBC Capital Markets since 2023 and has previous roles including positions at ASPIRE Continuing Education and Loyola University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a variety of advisory programs with tailored strategies implemented through in-house and third-party investment managers, emphasizing customizable portfolio management and integrated capital markets resources.

Tyler Simonds is a CFP®-designated financial advisor at Edward Jones with six years of industry experience. Prior to joining Edward Jones in 2020, he worked at Lincoln Financial Advisors Corporation and held roles in the hospitality industry. He serves on the board of United Way of Cecil County, advising on management and financial decisions for the organization. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, with a broad nationwide network and a range of advisory programs including discretionary and non-discretionary strategies.

Heather Joynes is a financial advisor at Stifel with 27 years of industry experience. She has been with Stifel since 2007 and holds Series 63 and Series 65 licenses. Outside of her advisory role, she is a Maryland-certified notary public. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary analysis and probabilistic modeling to guide asset allocation and financial planning decisions.

Sarah Dell is a financial advisor with Ameriprise in Elkton, MD, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise in 2022, she worked at Keller Williams Wilmington and has experience in educational settings including Johns Hopkins Center for Talented Youth and Oldfields School. She also supports a financial advisor administratively through her outside employment with Kimberlee M. O. LLC. Ameriprise offers retirement-income planning services targeted at individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations. The firm serves a broad client base with advisory, brokerage, and insurance solutions typical of a large institutional financial services provider.

Brian Koch is a CFP®-certified financial advisor with 15 years of industry experience. He currently works at RBC Capital Markets and previously spent nine years at Fidelity Brokerage Services LLC. He serves as a volunteer member of the Board Investment Sub-Committee for Notre Dame Preparatory School, an independent Catholic girls' school. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in‑house and third‑party managers.

Christopher Nice is a financial advisor at RBC Capital Markets with 24 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Merrill, Morgan Stanley, and Bank of America. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, and charitable organizations through various advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm integrates in-house and third-party investment managers and provides tailored strategies based on clients’ Advisory Risk Profiles.

John Sutton Jr. is a financial advisor at RBC Capital Markets with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2008, as well as at City National Bank since 2018. Outside of his advisory role, he serves as Treasurer for a condominium association in Ocean City, MD. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management services.

Avery Saxe is a Wealth Management Advisor at Merrill Lynch Wealth Management. He joined the firm in 2015 and became a registered advisor in 2017. Avery works with a diverse clientele including high net worth families, small business owners, retirees, and corporate benefit plans, focusing on areas such as corporate benefits, executive services, divorce transition planning, employee financial health, and investment strategy. Avery holds a bachelor's degree in Applied Mathematics and Statistics with a minor in Entrepreneurship and Management, as well as a master's degree in Financial Mathematics, both from Johns Hopkins University. He earned the CERTIFIED FINANCIAL PLANNER® designation in 2018, the CERTIFIED PLAN FIDUCIARY ADVISOR® designation in 2019, and the CIMA® designation in 2023. His approach emphasizes goals-based wealth management, creating individualized financial plans tailored to clients' needs and circumstances. Outside of his professional work, Avery is involved in community activities including tutoring at Dunbar High School and supporting the Special Olympics. He resides in Bel Air, Maryland with his wife and son and enjoys traveling and sports such as baseball, football, golfing, and skiing.

Catherine Cronauer is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding Series 63 and Series 65 credentials and 30 years of industry experience. Her career includes roles at Citigroup Global Markets and Legg Mason Wood Walker, Incorporated prior to joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets through more than 14,000 financial advisors and offers a combination of brokerage and advisory solutions.