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.

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.

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.

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.

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.

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.

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.

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.

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.

Philip Lowe is a financial advisor at LPL Enterprise with 8 years of industry experience. He holds the Series 65 and Series 63 licenses and has prior work experience at Prudential Insurance Company of America, Pruco Securities, LLC, and Bank of America. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio programs, and third-party asset management, delivering investment advice primarily via its network of investment adviser representatives.

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.

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.

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.

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.