Heinrich Brandt is the sole advisor at Brandt Wealth Advisors, LLC in Centreville, MD, holding Series 63 and Series 65 designations with 25 years of industry experience. He has led Brandt Wealth Advisors since its founding in 2012. Outside of his advisory work, Brandt is involved in local community organizations including the Choptank Puritan Club and serves on the advisory board for Healthy Families Queen Annes/Talbot, focusing on early childhood and young parent education. Brandt Wealth Advisors provides fee-based investment advisory and portfolio management services to a range of clients, including individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis, incorporating higher-risk instruments and trading strategies, and manages assets on a discretionary basis without imposing account minimums.

Alex is the founder of Clear Advisors, a fee-only financial planning firm based in Maryland. He founded the firm with a simple belief: investors are better served by focusing on the financial decisions they can control than by trying to predict the next market move or chase the next hot stock. Instead, Alex helps clients optimize the areas that have the greatest long-term impact on their financial lives—taxes, retirement income, investment costs, savings, and the countless planning decisions that shape financial success. Financial planning has been part of Alex's life for as long as he can remember. Having a father who spent a long career as a financial advisor gave him an early look at both the strengths and shortcomings of the traditional wealth management model. After earning a bachelor's degree in finance, becoming a CERTIFIED FINANCIAL PLANNER™ professional, and beginning his career advising clients on retirement, tax, and investment planning, Alex founded Clear Advisors to build the kind of firm he would want as a client: flat fees, no commissions, no asset gathering, and planning that goes far beyond just managing investments. What Alex enjoys most is uncovering planning opportunities that can make a meaningful difference in someone's financial future, whether it's identifying a Roth conversion strategy that could save substantial taxes over a lifetime, developing a retirement income plan that provides greater confidence, or helping clients make smarter financial decisions year after year. His goal is simple: to help clients keep more of what they've earned, reduce financial uncertainty, and retire with confidence.

Nicholas Lumpp is a financial advisor at RCN Wealth Advisors, Inc. in Stevensville, MD, holding a Series 66 designation with 13 years of industry experience. He has been with RCN Wealth Advisors since 2012. RCN Wealth Advisors is an independent firm providing fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, trusts, corporations, and an exchange-traded fund. The firm combines long-term, value-oriented portfolio construction with tactical, rules-based allocations and serves as sub-adviser and co-sponsor of the RCN Pareto Strategic Allocation ETF, which employs a systematic trend-following strategy across multiple asset classes including digital assets such as bitcoin.

William Maxwell is a CFA® charterholder with 32 years of industry experience. He is the sole advisor at Maxwell Family Office, LLC, an independent firm based in Rock Hall, MD, where he has worked since 2015 under the related entity names. Maxwell Family Office is a fee-only investment advisor serving primarily individuals, family-related clients, and select charitable organizations. The firm manages balanced portfolios using fundamental analysis focused on economic and sector trends, tailoring investments across mutual funds, ETFs, equities, fixed income, alternatives, and structured products to client risk tolerances and objectives.

Kevin Caldwell is a financial advisor at Islands East Advisors with a Series 65 credential and three years of industry experience. He previously worked for WR Grace & Co in a demand planner and financial analyst role within the specialty chemicals sector, dedicating approximately 80% of his time to that position. Islands East Advisors is an independent firm providing fee-only financial planning and investment management to individuals, high-net-worth households, nonprofit organizations, and businesses. The firm combines modern portfolio theory with passive and active strategies, offers retirement plan consulting including participant education, and manages accounts on a discretionary basis while providing ongoing and project-based financial planning.

David May is the sole advisor at Osprey Capital Management, LLC, an independent firm based in Rock Hall, MD. He holds a Series 65 designation and has 15 years of industry experience, leading Osprey Capital since its founding in 2010. Osprey Capital Management is a fee-only investment adviser providing discretionary portfolio management primarily to high-net-worth individuals and select institutional clients. The firm employs a fundamental, sector-focused investment approach, emphasizing companies with low debt, strong operating margins, and reasonable valuations, and utilizes strategies ranging from long-term holdings to shorter-term trading and options within a discretionary model.

Joseph Wehr is a CFA® charterholder and holds a Series 66 license with six years of industry experience. He has worked at Maryland Capital Advisors, Inc. since 2024 and previously held roles at Dimensional Fund Advisors, PayPal, and the University of Chicago Booth School of Business. Maryland Capital Advisors provides discretionary and non-discretionary portfolio management and investment advice to individuals, families, retirement plans, corporations, and trusts. The firm employs an investment approach based on Modern Portfolio Theory and factor research, favoring passive funds and ETFs to construct diversified global, multi-asset portfolios.

Connor Chapman is a financial advisor at Maryland Capital Advisors, Inc. He holds a Series 65 designation and has been with the firm since 2022. Prior to this, he worked at Harmonic International and studied at Salisbury University. Maryland Capital Advisors provides discretionary and non-discretionary portfolio management and investment advice to individuals, families, retirement plans, corporations, and charitable organizations. The firm utilizes a Modern Portfolio Theory-based approach with a preference for passively managed funds and ETFs, managing substantial assets through a referral-only model and a compact advisory team.

John Taylor Jr. is a financial advisor at Financial Concepts Unlimited, Inc. with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Purshe Kaplan Sterling Investments since 2012 while also serving at Financial Concepts Unlimited since 2001. Outside of his advisory roles, he serves as president of a homeowners association in Syria, Virginia. Financial Concepts Unlimited serves individual and high-net-worth clients, trusts, businesses, and pension plans by providing discretionary portfolio management, financial planning, and consulting services. The firm employs model portfolios that include ETFs, mutual funds, stocks, bonds, and options, and is noted for its active management of variable annuity sub-accounts and distinctive use of margin in managed accounts.

Kristen Owen is a financial advisor at Geneos Wealth Management, Inc. with 11 years of industry experience. She holds a Series 66 designation and has worked at Chesapeake Investment Advisors, Chesapeake Investment Services, Cetera, and Chesapeake Bank. Outside of her advisory role, she serves on the boards of Main Street Historic Chestertown and Chester River Health Foundation Inc., and is president of Ardea Advisors Inc. Geneos Wealth Management serves a diverse client base including individuals, trusts, estates, pension plans, corporations, and charitable organizations. The firm offers comprehensive financial planning and investment advisory services, employing a range of analytic approaches and strategies, with discretionary trading authority on most accounts.

Gordana Schifanelli is a financial advisor at B.B. Graham & Company, Inc. with 26 years of industry experience. She holds a Series 66 designation and has worked at B.B. Graham & Co. since 2011. Schifanelli is also a managing director at Schifanelli & Associates, LLC, Attorneys at Law. B.B. Graham & Co. provides investment advisory and financial planning services to individuals, pension plans, trusts, estates, corporations, and small businesses. The firm employs fundamental, technical, and cyclical analysis, offering both discretionary and non-discretionary asset management, and frequently utilizes third-party portfolio managers.

Robert Schilling is a financial advisor with Realta Investment Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at Realta Equities, Inc., Schilling Financial, Retirement Specialists, and United Planners' Financial Services. He also operates as an independent insurance agent, selling fixed, life, and long-term care insurance. Realta Investment Advisors provides advisory and financial planning services to individuals, pension and profit-sharing plans, and institutional clients. The firm offers portfolio management, retirement-plan consulting, and estate planning, using a range of investment vehicles and emphasizing individualized strategies based on client goals and risk tolerance.

Michael Nickerson II is a Series 65-licensed advisor with Independence Square Holdings, LLC, where he has worked for two years. He has one year of industry experience and has previously been associated with ISQ Capital LLC and LPL Financial. Outside of his advisory role, he owns and operates Michael's Shore Style BBQ, a local food business in Worton, MD. Independence Square Holdings, LLC provides investment advisory, financial planning, pension consulting, and portfolio management services to individuals, retirement plans, corporations, charitable organizations, and government entities. The firm employs a blend of fundamental, quantitative, technical, and modern portfolio theory approaches, offering both discretionary and non-discretionary relationships alongside access to third-party managers and digital platforms.

Larissa Costello is a financial advisor at Ethos Financial Group, LLC with 11 years of industry experience. She holds Series 65 and Series 66 licenses and has previously worked at Alden Investment Advisors, Coastal Equities, Raymond James Financial Services, and Ameriprise Financial Services. In addition to her advisory role, she is involved in a family LLC formed with her husband and children. Ethos Financial Group serves individuals, trusts, estates, state and municipal entities, and charitable organizations, offering investment management, financial planning, estate planning, and related consulting services. The firm uses diversified, risk-conscious model portfolios and incorporates third-party research and AI tools for operational support.

Martin Knight is a financial advisor with Geneos Wealth Management, Inc. He holds a Series 66 designation and has 20 years of industry experience. He has worked at Chesapeake Investment Advisors, Inc. and Geneos Wealth Management since 2005. In addition to his advisory role, he is a notary public. Geneos Wealth Management serves a broad range of clients, including individuals, trusts, estates, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, investment advisory, and brokerage services, employing a variety of analytic approaches and strategies tailored to client needs.

Steven Mccartin is a financial advisor at Continuum Advisory, LLC with 23 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Signator Investors, Inc. and OSAIC Wealth, Inc. Outside of advisory services, he operates MCCARTIN Financial Services, providing tax preparation and selling investment and insurance products. Continuum Advisory serves individual and institutional clients with financial planning, consulting, and discretionary portfolio management. The firm integrates professional services such as tax preparation and insurance within its team and offers retirement plan consulting and ERISA fiduciary roles.

Robert Sullivan is a financial advisor with Centaurus Financial, Inc. in Chester, MD, holding Series 63 and Series 65 credentials and 29 years of industry experience. He has been with Centaurus Financial since 2011 and also leads Sullivan Financial, LLC, a firm he has been involved with since 1991. Outside of investment advising, he is active in marketing deferred sales trusts and providing insurance products including life insurance, long-term care, and Medicare supplements. Centaurus Financial, Inc. serves a diverse client base including individuals, families, businesses, and institutions, offering financial planning, portfolio management, retirement-plan consulting, and specialized advisory services through both discretionary and non-discretionary arrangements. The firm combines multiple analytical approaches and offers access to model overlay programs and third-party money managers.

Karen Baer is a financial advisor with Focus Partners Wealth, LLC, holding Series 63 and Series 65 licenses and with 28 years of industry experience. Her prior roles include positions at The Colony Group, LLC, Bridgewater Wealth & Financial Management, LLC, Triton Wealth Management, and LPL Financial. Focus Partners serves individuals, high-net-worth families, family offices, and institutional clients with services including investment management, financial and tax planning, family office and business management, and retirement plan consulting. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies and offers access to private and registered pooled vehicles.

John Cvach is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 credentials and possessing 33 years of industry experience. He has worked at firms including Arbor Point Advisors and Securities America, Inc. In addition to his advisory role, he serves as president of Cvach Financial Services, a tax preparation and bookkeeping business, and treasurer of the nonprofit Goodwill Fire Company Inc. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base, including individuals, pension plans, corporations, and nonprofits. The firm provides investment management, financial planning, retirement consulting, and third-party manager services delivered through multiple program models, with custodial relationships primarily through Schwab and Fidelity.

Andrew Bull is a financial advisor with PNC Wealth Management, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Cambridge Investment Research, Badger Creek Advisors, and Voya Investment Management. Outside of advising, he is involved as an agent with Aurora Insurance Group and Baker Wealth Management. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary account that uses algorithmic risk assessment and implements investments via approved model strategies with mutual funds and ETFs.

William Ryon is a financial advisor with Private Advisor Group, LLC, holding Series 63 and Series 66 credentials and 22 years of industry experience. He has worked at Private Advisor Group and LPL Financial since 2011 and previously held roles at Ridgeway Conger Advisory Services and Merrill. Outside of advisory services, he provides retirement and lifestyle education courses through the Retirement Educators Group. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and managed account solutions. The firm employs a fiduciary-based model, utilizing a variety of investment strategies and technology platforms while providing access to both proprietary and third-party managers.

Robert Moon is a financial advisor at Rockefeller Financial LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Merrill and Bank of America. Outside of his advisory role, he operates a hobby farm raising goats, cows, and pigs. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, institutional clients, and corporations. The firm offers portfolio management, financial planning, and brokerage services through a Private Advisor model supported by the Rockefeller Global Investment Management platform.

Joseph Johnson is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Raymond James & Associates since 2013. His professional credentials include Series 63 and Series 65 licenses. 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 and pension plans, and charitable organizations—and offers financial planning, non-discretionary investment consulting, and institutional advisory services supported by various portfolio management styles and affiliated research.

Logan Grossman is a CFP® professional with 12 years of industry experience, currently affiliated with LPL Financial. He previously worked at Valic Financial Advisors and Agia. Grossman serves on the board of directors for Lighthouse Christian Academy, contributing to governance and leadership decisions. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by research and third-party subadvisors.

Sarah Schut is a financial advisor at Cetera with 10 years of industry experience. She holds the CFP® designation and the Series 66 license. Her prior work includes roles at Radcliffe Corporate Services and Park Row Green, LLC. Outside of her advisory work, Schut volunteers as a financial literacy teacher at the Kent County MD YMCA and serves as treasurer on the board of the Rock Hall Yacht Club Sailing School. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individual investors, retirement plans, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies across various program structures and custodial relationships.

John Macielag is a financial advisor at Equitable Advisors with 35 years of industry experience. His prior roles include positions at Merrill, Bank of America, and Stifel Independent Advisors. Outside of financial advising, he is the Principal Race Officer for US Sailing and serves as a director of the Bond Chapel Foundation. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, institutional clients, and charitable organizations. The firm utilizes a variety of advisory programs, including third-party asset managers and LPL-sponsored platforms, and offers ERISA fiduciary services through credentialed Investment Adviser Representatives.

Glenn Ankenbrand is a financial advisor with LPL Financial holding a Series 65 designation and four years of industry experience. He has been operating G.H.A. Financial Planning since 2005 and previously worked at Delmarva Power for 37 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

William Caughey IV is a CFP® certificant with 15 years of experience at Edward Jones, where he has worked since 2011. He holds a Series 66 license and is based in Chester, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds, operating with a nationwide network of more than 23,700 financial advisors.

Stacy Coldwell is a financial advisor with LPL Financial, holding a Series 66 credential and bringing 20 years of industry experience. Her prior roles include positions at PNC Investments, Bank of America, and Merrill. She is involved in a real estate rental business in McHenry, MD. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research, model portfolios, and technology-driven strategies.

Eric Ivankevich is a financial advisor at Edward Jones in Stevensville, MD, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones since 2017 and is also a co-founder and consultant for Uncalm, an apparel business. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients with a wide range of advisory programs, offering both discretionary and non-discretionary strategies supported by a large national network of financial advisors and branch offices.

Bruce Valliant is a financial advisor with Raymond James Financial, holding a Series 66 credential and 27 years of industry experience. He has operated Valliant and Associates since 1997 and has been affiliated with Raymond James Financial Services since 1999. Outside of financial advising, he is a partner in Valliant Shellfish and Seafood, LLC, managing the cultivation and sale of farmed shellfish and seafood in Maryland and other states. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports institutional consulting through a large advisor network.

Katy Lightburn is a financial advisor at Equitable Advisors with 10 years of industry experience and holds a Series 66 designation. She has previously worked at Stifel Independent Advisors, Bank of America, and Merrill. Outside of her advisory role, she serves as a director of the Bond Chapel Foundation, where she consults on the restoration and community presentation of a local fellowship space. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and asset management programs. The firm delivers services through a network of Investment Adviser Representatives and utilizes third-party asset managers and advisory programs to implement many of its investment strategies.

Chelsea Ralston is a financial advisor at Merrill with 10 years of industry experience. She holds the Series 66 designation and has worked at Bank of America, N.A. since 2016, in addition to her role at Merrill starting in 2014. Merrill, alongside its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nicole Caringal is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. She has been with Raymond James and its affiliates since 2006, with a brief tenure at LPL Financial from 2019 to 2020. Outside of her advisory role, she is vice president and a finance committee member of the United Way of Kent County board. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored non-discretionary planning and consulting, utilizing analytical tools to model potential outcomes, and supports clients through advisory programs and institutional consulting.

Graham Smith is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior work includes roles at Bank of America, Bell Helicopters - Textron, and Burr & Forman LLP, as well as service at the South Carolina State House. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through its Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Jonathan Michael is a financial advisor at Cambridge Investment Research Advisors with 24 years of industry experience. He has been with Cambridge Investment Research Advisors since 2011. Outside of his advisory role, he operates as an independent insurance agent focusing on health, life, disability, and long-term care products and serves as a committee member for a homeowners association golf course. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of portfolio management options and proprietary as well as third-party strategy access.

Timothy Grossman is a financial advisor with LPL Financial, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 20 years of industry experience. His prior roles include positions at VALIC Financial Advisors, Agia, and Osaic Wealth, Inc. He serves on the board of Consider the Lily, a nonprofit organization dedicated to rescuing girls from sexual abuse and trafficking in the Philippines. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, and retirement consulting services supported by both proprietary and third-party research and model portfolios.

David Zane is a financial advisor with LPL Financial based in Chestertown, MD, holding a Series 66 designation and possessing 18 years of industry experience. His prior experience includes roles at PNC Investments and Allstate Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by in-house and third-party research.

Kyle Orlinski is a Series 66-licensed financial advisor with 12 years of industry experience. He is currently with Fidelity Investments and has held previous roles at Bank of America, Merrill, Truist Advisory Services, BB&T Securities, Integrated Wealth Concepts, and LPL Financial. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios and manages multiple fund advisory and consulting services.

Mary Valliant is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She has been with Raymond James since 1999 and also founded Valliant and Associates, LLC in 1997. Outside of her advisory work, she serves as a board member for Medical Mutual Liability Insurance of Maryland and holds a director position on its Finance/Investment Committee. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse range of clients including individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses detailed risk profiling and analytical tools to tailor non-discretionary planning and investment consulting to client goals.

Daniel Long is a financial advisor with Cetera and holds a Series 66 designation. He has 25 years of industry experience and has previously worked extensively with Avantax Insurance and Advisory Services. In addition to his advisory role, he operates his own CPA practice providing accounting and tax preparation services. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary program options.

Ann Jacobs is a Series 66-licensed financial advisor with Edward Jones, where she has worked since 2017. She has eight years of industry experience, including previous roles at Quidient, LLC and the Caroline County Chamber of Commerce. Outside of her advisory work, she owns and manages Blueprint Property Management LLC in Denton, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and advisory services, supported by a large network of financial advisors and branch offices nationwide.