ADVISOR BIO

Richard Owen Blaser is a financial professional with over 20 years of experience in the industry. Richard is currently registered with Nylife Distributors LLC and has been with the firm since May 2011. Richard is also registered in all 50 states and the District of Columbia. Previously, Richard worked at Hartford Equity Sales Company Inc. from June 2000 to March 2011 and Merrill Lynch, Pierce, Fenner & Smith Incorporated from August 1999 to November 1999. Richard holds the Series 6, Series 63 and SIE licenses.

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ADVISOR BIO

Richard Cox is a financial advisor registered with Raymond James Financial Services Advisors, Inc. Richard has been in the industry for 20 years. Richard's professional experience includes working with Farmers Financial Solutions, LLC and Sentinels Financial Group, LLC. Richard has a Series 6, 7, 63 and 65 license and holds the SIE designation. Richard is registered in Arizona, California, Colorado, Delaware, District of Columbia, Florida, Georgia, Maine, Maryland, Nevada, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Texas, Virginia, and Washington. Richard provides financial planning, pension consulting, educational seminars, selection of other advisers and portfolio management for businesses and individuals.

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ADVISOR BIO

Richard Rosa is an investment advisor representative associated with Verdence Capital Advisors, LLC. Richard is a licensed investment advisor representative in the state of Maryland. Richard has been in the securities industry for more than 20 years. He has experience in various aspects of the industry, including investment management, financial planning, and consulting. Richard's prior experience includes roles at Legg Mason Wood Walker, Incorporated, LM Financial Partners, Inc., W. S. Griffith & Co., Inc., Paine Webber Incorporated and Prudential Securities Incorporated. Richard's professional qualifications include the Series 7, Series 63 and Series 65 licenses. Richard's investment specialties include managing investments for individuals, managing investments for businesses, selecting other advisors, and providing financial planning. Richard has a long history of providing investment advice and is committed to helping his clients achieve their financial goals.

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ADVISOR BIO

Richard Radke is a registered representative with Merrill Lynch, Pierce, Fenner & Smith Inc. Richard has been in the securities industry since January 2018. Richard holds the Series 66, Series 7TO, and SIE exams. Richard is registered with the following states: Delaware, District of Columbia, Florida, Maryland, New Jersey, New York, Pennsylvania, Texas, Virginia, and West Virginia.

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ADVISOR BIO

Richard Mohelski is a financial advisor with Merrill Lynch, Pierce, Fenner & Smith Inc. Richard has been in the securities industry since 1996 and has been registered with Merrill Lynch since 2009. Richard is registered to provide investment advice in 29 states, including Maryland, Texas, California, and Florida. Richard holds the Series 7, Series 63, and Series 65 licenses, as well as the SIE exam.

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ADVISOR BIO

Richard Pencek is an investment advisor representative at Grove Point Advisors, LLC. Richard has been in the industry since 2004 and has extensive experience in financial planning, portfolio management, and investment advisory services. He holds the Series 66 and Series 7 licenses as well as the SIE exam. Richard is also a Certified Financial Planner™. Richard is dedicated to providing personalized financial guidance to individuals, families, and businesses. He is committed to helping his clients achieve their financial goals and build a secure future.

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ADVISOR BIO

Richard Emerson Armiger is a financial advisor with over 25 years of experience in the industry. Richard is currently registered with Morgan Stanley and previously worked at firms such as Citigroup Global Markets Inc., Deutsche Bank Securities Inc., DB Alex. Brown LLC and Alex. Brown & Sons Incorporated. Richard holds Series 7, 31, 63 and 65 licenses and the SIE exam. Richard is also registered in 37 states and the District of Columbia.

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ADVISOR BIO

Richard Gottlieb is a financial advisor with Grove Point Advisors, LLC. Richard has been a registered representative for over 30 years, and has experience in various aspects of financial services including securities and insurance. Richard specializes in financial planning, pension consulting, and portfolio management for individuals and businesses. Richard is a registered investment advisor in Maryland.

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ADVISOR BIO

Richard Hans is a financial advisor with Merrill Lynch, Pierce, Fenner & Smith Inc., with over 40 years of experience in the financial services industry. Richard Hans is registered with FINRA and has been actively registered in over 40 states and the District of Columbia. Richard Hans has also passed several industry exams, including the Series 7, 8, 9, 10, 63, and 65. In addition to his active role at Merrill Lynch, Richard Hans is also a limited partner with Hogan Development, LLC, a real estate land development company.

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ADVISOR BIO

Richard Grace is an investment advisor representative with Osaic Wealth, Inc. Richard has been in the securities industry since 1994 and has experience working with individuals, high-net-worth individuals, corporations, charitable organizations, pension and profit sharing plans, and state or municipal government entities. Richard is registered with the Securities and Exchange Commission (SEC) and holds the Series 7, 63, and 66 licenses. Richard is committed to providing financial advice and guidance to help clients achieve their financial goals.

SPECIALIZATIONS