Kim Caldwell

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.

Robert Clark is a CFP® professional with 25 years of experience in financial advising. He has been the principal at Clark Company since 2017 and previously worked at National Planning Corporation for 12 years. In addition to his advisory work, Clark provides income tax preparation and fixed insurance services for clients. Clark Company offers asset and portfolio management, comprehensive wealth planning, and tax preparation for individuals, trusts, businesses, and employer-sponsored retirement plans. The firm employs customized investment strategies and generally operates on a primarily non-discretionary basis, combining investment advisory services with insurance and tax services.

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.

Nicholas Lumpp is a financial advisor at RCN Wealth Advisors, Inc. in Stevensville, MD, holding a Series 66 designation with 13 years of industry experience. He has been with RCN Wealth Advisors since 2012. RCN Wealth Advisors is an independent firm providing fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, trusts, corporations, and an exchange-traded fund. The firm combines long-term, value-oriented portfolio construction with tactical, rules-based allocations and serves as sub-adviser and co-sponsor of the RCN Pareto Strategic Allocation ETF, which employs a systematic trend-following strategy across multiple asset classes including digital assets such as bitcoin.