Bryon Epple is a financial advisor with RBC Capital Markets in Bel Air, MD, holding Series 63 and Series 66 licenses and 26 years of industry experience. He has worked at RBC Capital Markets since 2008 and more recently at City National Bank since 2019. Outside of his advisory role, Epple serves as treasurer for a local community soccer program. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with customizable portfolio management and financial planning services.

Stephanie Muhl is a financial advisor with Fidelity Investments and holds the Series 63 and Series 65 designations. She has 14 years of industry experience, including roles at Fidelity Brokerage Services LLC and FIDELITY Personal and Workplace Advisors. Outside of her advisory work, she is involved as an office assistant at Hunt Valley Truck and Trailer, where she handles payroll, accounting, human resources, budgeting, and marketing. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, with a focus on model portfolios constructed through proprietary research, quantitative analysis, and algorithmic methods.

Alysson Krchnavy is a CFP®-certified financial advisor at Edward Jones with seven years of industry experience. She has been with Edward Jones since 2008. Outside of her advisory role, she serves as President of the Board of Directors for the Havre de Grace Chamber of Commerce. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors.

Carl Strozyk is a financial advisor with Cambridge Investment Research Advisors in Bel Air, MD, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2011 and leads The Small Business Group, where he provides accounting, tax, and business consulting services. Strozyk is also an independent insurance agent representing various companies. Cambridge Investment Research Advisors serves a diverse client base, including individuals, pension plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm employs a range of investment strategies and platform arrangements, with both proprietary models and access to third-party managers.

Bernard Muth is a financial advisor at OSAIC with 20 years of industry experience. He holds the CFP® and Series 66 designations and previously worked for Lincoln Financial Advisors for 19 years. In addition to his role at OSAIC, he is the owner of Gernon Muth & Associates, a business offering employee benefits such as accident and health insurance, fixed annuities, and life insurance. OSAIC serves a wide range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a range of investment tools and third-party platforms to construct diversified portfolios.

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 previously spent seven years at Wells Fargo Advisors LLC. 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, participant education, and plan benchmarking. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Grant Dircks is a financial advisor with Wells Fargo Clearing in Bel Air, MD, holding a Series 66 designation and 16 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC for six years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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 with Merrill Lynch Wealth Management. She has been a financial advisor since 2004, the year she graduated Cum Laude with a Bachelor of Business Administration from Loyola College in Maryland. Melissa holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Her areas of expertise include family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, women and wealth, individual and corporate investment strategy, tax minimization, and retirement income. Melissa is actively involved in her community, serving as the current chair of the Port Deposit Historic Area Commission and as a past president of the Chesapeake Professional Women's Network, where she remains a member. She also participates in the St. Margaret School Home and School Association. Melissa is married to Brad, her high school sweetheart, and they have two children. Her personal interests include baseball, boating, cooking, music, reading, spending time with family, and traveling.

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 at Primerica Advisors with Series 65 and Series 63 licenses and 34 years of industry experience. He has been with Primerica Financial Services since 1999. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with thousands of advisors and offices, delivering advisory services through model-based recommendations managed by unaffiliated asset managers.

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 six 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 operations and website product maintenance for Intercon Truck Equipment. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

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.

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.

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.