Elizabeth Joseph

Raymond Gazelle is a CFP® professional with 18 years of experience, operating independently through his firm, Raymond L. Gazelle Jr., since 2005. His practice includes consulting services to small banks on internal operations and data processing, reflecting a background in bank operations. The firm offers comprehensive financial and investment planning services to individuals as well as corporate and nonprofit organizations, often collaborating with clients’ financial officers or committees. It employs a long-term, strategic portfolio allocation approach focused on asset allocation, diversification, and selection of mutual funds and ETFs, providing advice on a consultative, non-discretionary basis without managing client assets.

Kathleen McQuade is a Certified Financial Planner® with three years of industry experience, operating as the sole advisor at her independent firm in Laurel, MD. She has been managing her practice since 2010 and holds a Series 65 license. Her firm provides fee-only financial planning and consulting services to individual clients, focusing on investment, retirement, insurance, education, and estate planning. The practice employs a long-term, buy-and-hold investment approach, primarily recommending no-load, low-cost, tax-efficient mutual funds with asset allocation as the key factor in portfolio returns.

Katrina Riddick is the President and CEO of People First Financial Advisors, with 30 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Percival Financial Partners, Ltd and Backstrom Mccarley Berry & Co., LLC. In addition to her role at People First, she serves as President and CEO of FAIM Group Strategic Solutions Center, LLC, where she consults for small and start-up minority-owned businesses. People First Financial Advisors specializes in municipal financial advisory services for government and quasi-government bond issuers, including structuring public debt transactions and assisting with broker-dealer selection. The firm provides non-discretionary advice focused on municipal advisory work and is developing capabilities in traditional investment advisory and pension consulting.

Christopher Oland is a financial advisor with Harmony Wealth Advisors, LLC in Edgewater, MD, holding Series 65 and Series 66 licenses and bringing eight years of industry experience. He has worked with Harmony Group, Inc. and Harmony Wealth Advisors since 2015. Outside of advising, he is a passive owner of a restaurant in Annapolis, MD, and serves as President of Southern Maryland Little League. Harmony Wealth Advisors, LLC serves a small client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides ongoing portfolio management and financial planning using individualized Investment Policy Statements and a long-term investment approach based on fundamental and cyclical analysis and modern portfolio theory.

Jacolyn Wetmore is a financial advisor at JWC Capital Management, LLC, holding Series 63 and Series 65 licenses with 15 years of industry experience. Her prior roles include positions at United Income, Inc., Calvert Investment Counsel, and PBMares Wealth Management, LLC. She has been with JWC Capital Management since 2020. JWC Capital Management is an independent, state-registered, fee-based adviser providing tailored portfolio management to individuals, qualified retirement plans, trusts, estates, and charitable organizations. The firm emphasizes fundamental analysis and manager-level evaluation, primarily recommending exchange-traded funds, no-load mutual funds, and corporate debt, and manages a small client roster with high assets per client.

My path to founding a wealth management firm is different than most. As a child, my dream was to become a fighter pilot. After graduating from the United States Naval Academy with a degree in Aerospace Engineering, I achieved that goal, serving on active duty for a decade. I flew the F-18E Super Hornet from aircraft carriers and deployed multiple times to the Western Pacific. After those deployments, the Navy sent me to UNC Kenan-Flagler Business School to study finance, followed by the privilege of teaching undergraduate economics at my alma mater. After transitioning from active duty, I applied the skills I honed in the cockpit and classroom—leadership, effective communication, process improvement, and strategic decision-making—to multiple entrepreneurial ventures. My career as a financial planner is a natural extension of my passion for solving problems and serving others. With a background in engineering, military flight operations, top-tier business education, and collegiate economics instruction, I bring a unique perspective to wealth management: * Tenacity – Giving up is never an option. Just as a fighter pilot must persist in the air, I am relentless in helping my clients succeed. * Calm Under Pressure – I have a proven ability to think clearly in high-stakes situations, whether in the military or financial markets. I will not panic when volatility arises. * Candor – In aviation and life, speaking up is critical when the stakes are high. I will always provide honest advice, even when it’s uncomfortable. Living near Annapolis, Maryland, I cherish time with my family and enjoy Navy football, traveling, boating, and improving my golf game. I also continue to serve as a member of the U.S. Navy Reserves. Ventus Wealth Management — After a decade in the workforce, I became increasingly frustrated by the lack of financial services that truly met my needs. I couldn’t find a firm or advisor that offered the right combination of: ☑️A transparent fee and incentive structure ☑️ A flexible, client-focused service model ☑️ Modern technology solutions ☑️ Virtual meeting capabilities ☑️ Expertise tailored to my specific situation Recognizing this gap, I launched Ventus Wealth Management to address these shortcomings. Everything we do is designed with our clients in mind. Every element of our service and business model is intentionally crafted to deliver value and provide solutions that meet your needs.