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 31 years of industry experience. He is the sole advisor at Maxwell Family Office, LLC, an independent firm based in Rock Hall, MD. Maxwell has been associated with R.H. Crows Nest, LLC and its d/b/a Maxwell Family Office since 2015. Maxwell Family Office is a fee-only investment advisor serving individuals, family-related clients, and a small number of selected relationships, including small charitable organizations. The firm manages balanced, customized portfolios using fundamental analysis and a range of investment vehicles, with a client base focused on modest assets and specialized services such as pension and rollover matters.

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 25 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Financial Concepts Unlimited since 2001, with additional experience at Purshe Kaplan Sterling Investments. Outside of his advisory role, he serves as president of a homeowner's association in Syria, Virginia. Financial Concepts Unlimited provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, as well as corporations and pension plans. The firm manages approximately $189.8 million across about 196 accounts, utilizing proprietary model portfolios and a combination of mutual funds, ETFs, structured products, individual securities, and options.

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.

John Macielag is a financial advisor with Stifel Independent Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Merrill and Bank of America, where he worked for 31 and 11 years respectively. Outside of advising, he owns Mac4 Corp, a wetland habitat consulting business, and serves as a Principal Race Officer for US Sailing, the sport’s national governing body. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and public entities, offering brokerage and investment advisory services with a range of financial planning and portfolio management options. The firm emphasizes a collaborative planning process using proprietary models and supports a broad array of affiliated financial capabilities.

Katy Lightburn is a financial advisor at Stifel Independent Advisors, LLC with 10 years of industry experience. She holds the Series 66 designation and has worked previously at Bank of America and Merrill. Outside of her advisory role, she serves as a director of the Bond Chapel Foundation, where she consults on restoration and community presentation efforts in Chestertown, MD. Stifel Independent Advisors serves a diverse client base including individuals, corporations, trusts, and governmental entities, offering brokerage and investment advisory services. The firm employs a collaborative planning process using proprietary capital market assumptions and provides tailored asset allocation recommendations.

Michael Nickerson III is a Series 65–licensed financial advisor at Independence Square Holdings, LLC with one year of industry experience. Prior to joining Independence Square Holdings, he worked at LPL Financial and has a background that includes roles at Washington College and Gunston Day School, alongside part-time labor positions in construction and farming. He is also the owner and operator of Michael's Shore Style BBQ, a local food service business. 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 range of investment strategies and combines in-house portfolio management with third-party programs, offering digital platforms and ancillary services to support client objectives.

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.

Sarah Schut is a CFP® and holds a Series 66 license with 10 years of experience in the financial services industry. She is currently affiliated with Cetera and also owns Envision Wealth Planning LLC, where she serves as a financial professional. Outside of her advisory roles, 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 supports a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing advisor-managed accounts, firm-sponsored model portfolios, and third-party solutions, with specialized retirement and fiduciary capabilities integrated within its broader institutional platform.

Bruce Valliant is a financial advisor with Raymond James Financial in Grasonville, MD, holding a Series 66 designation and 26 years of industry experience. He has been associated with Raymond James Financial Services, Inc. since 1999 and owns Valliant and Associates LLC. Outside of his advisory role, he is a partner in Valliant Shellfish and Seafood, LLC, involved in farming and selling farmed shellfish and seafood. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations, with a distinctive focus on advisory and implementation-support services.

Nicole Caringal is a CFP® professional with 28 years of industry experience, currently serving at Raymond James Financial Services Advisors, Inc. since 2009, with prior experience at LPL Financial. She holds roles outside of her advisory work as a FINRA arbitrator and serves as Vice President and Finance Committee member on the board of the United Way of Kent County. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, providing tailored recommendations through detailed risk profiling and asset allocation analysis.

Mary Valliant is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. She has worked at Raymond James since 1999 and has served on the board of Medical Mutual Liability Insurance of Maryland since 1996. In addition to her advisory work, she is involved in agricultural business through Valliant Shellfish and Seafood LLC. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations.