Josephine Hoffman

Roy Beyer is the sole advisor at Priority Financial Advisors, LLC in Frederick, MD, with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has been involved with Capwest since 2007 and the Wycoff Stock Market Institute since 1992. Outside of advisory work, he owns a music performance business providing live music at private events. Priority Financial Advisors is an independent registered investment adviser serving individual and high-net-worth clients with ongoing investment supervisory services and hourly financial planning. The firm uses a defined Investment Policy Statement tailored to each client and employs a mix of charting, fundamental, technical, and cyclical analysis to build diverse portfolios, while offering complimentary educational seminars and maintaining a very small client roster managed solely by the principal advisor.

Patricia Bush is a CFP® and Series 65 credentialed advisor with six years of industry experience. She is the principal of AAA Advisory LLC and also serves as a tax consultant at Bestgate Tax & Accounting Advisors, LLC, where she is involved in tax review and income tax preparation. Her prior work includes roles at Squire, Lemkin + Company, LLP and Bestgate Wealth Advisors, LLC. AAA Advisory LLC provides fee-only comprehensive and project-based financial planning and tax preparation services primarily to individual clients, including high-net-worth individuals, through virtual meetings. The firm offers non-discretionary investment recommendations based on Modern Portfolio Theory and a long-term, passive investment approach focused on asset allocation.

Christopher Ruspi is a CERTIFIED FINANCIAL PLANNER™ professional with 36 years of industry experience. He has been with Applied Financial Wisdom since 2012 and also maintains an affiliation with LPL Financial. Outside of his advisory work, he owns a travel blog. Applied Financial Wisdom provides discretionary and non-discretionary asset management, comprehensive financial planning, and retirement-plan allocation services to individuals, high-net-worth clients, and business entities. The firm’s investment approach is based on a proprietary top-down forecast that incorporates fundamental, technical, and cyclical analysis, utilizing sector rotation, ETFs, individual equities, fixed income, and, when appropriate, options and margin strategies.

Sean Defrehn is a financial advisor at DeFrehn Consulting with 9 years of industry experience. He holds a Series 66 designation and has previously worked at Triad Advisors, Inc. and OSAIC. Outside of financial advising, he teaches hunter safety classes for the Maryland Department of Natural Resources. DeFrehn Consulting is an independent firm serving clients from Adamstown, MD.

Christopher Murray is the principal of Murray Financial Group, Inc., an independent advisory firm based in Frederick, MD. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to the current firm structure, he was associated with the Retirement Planning Center of MD Inc. for over two decades. Outside of financial advising, he is a partner in a real estate business, Degaran, LLC. Murray Financial Group serves primarily high-net-worth individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm provides financial planning, consulting, and referral services, focusing on evaluating client objectives and referring portfolios to third-party managers while offering values-based and Biblically Responsible Investing options.

My name is Matthew, your advisor at Cadence Planning. I entered the professional world as a teacher. For over six years, I spent time with students, developed after-school robotics programs, and relished the opportunity to educate and empower the people around me. That is why, I believe it is important for clients to understand, I entered the financial world as a teacher as well. The passion for teaching never left me. I had witnessed, first hand, the impact education has on someone's self-confidence, security, and semblance of joy. And I carry this approach with me into my advising. In 2006 I decided to leave teaching altogether to work full-time as a tax accountant. I took and passed each section of the EA exam between 2009 and 2010, receiving my EA designation in March 2011. I've been given the opportunity to present to my peers at conferences and in 2012 was honored to be a recipient of the “Outstanding Young Professionals Award” from the Maryland Society of Accountants. In 2021, I completed the Financial Planning Program at the Boston Institute of Finance at Bryant University and subsequently passed the CFP exam and earned my CFP Marks. It's been a hard but rewarding journey and has left me feeling empowered to help clients. That is why I love what I do.