Sean Louis Defrehn

Jeremy joined Flower City Capital in February of 2026, bringing extensive experience advising individuals and families on their wealth management goals. As a Senior Wealth Advisor, he delivers a highly personalized approach to financial planning, building trusted, long-term relationships while thoughtfully addressing complex financial needs. Prior to joining Flower City Capital, Jeremy was a Financial Advisor at Turning Point Financial. He holds the Certified Financial Planner (CFP®) and Certified Private Wealth Advisor (CPWA) designations. Jeremy graduated from Hood College in Frederick, Maryland with a Bachelor of Arts in Business Administration with a concentration in Finance. He lives in Hagerstown, Maryland, with his wife Emily and their daughter, Abigail. In his free time, he enjoys playing basketball, spending time outdoors, and watching sports.

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.

David Malmgren is a CFA® charterholder and principal advisor at Parkview Capital LLC, an independent firm based in Germantown, MD. He has 22 years of industry experience, including 18 years at FBB Capital Partners before founding Parkview Capital in 2021. Parkview Capital LLC provides advisory services to individual and high-net-worth clients, offering portfolio management and financial planning. The firm combines fundamental analysis, modern portfolio theory, quantitative techniques, and technical analysis to create tailored investment strategies across various asset classes.

John Lewis is a financial advisor with Regatta Financial LLC, holding Series 63, 65, and 66 designations and bringing 23 years of industry experience. His prior roles include positions at Universal Medical, Private Client Services, Citigroup Global Markets, and H. Beck, Inc. Outside of finance, he co-owns TheraBleu, LLC, an e-commerce business supplying UVC lamps, and owns Campus Quick Fix, LLC, a franchise focused on device repairs for college students. Regatta Financial LLC provides discretionary asset management along with financial planning and consulting services to individuals and business entities. The firm emphasizes client goal documentation, risk tolerance alignment, and targeted consultation, utilizing technical analysis, charting, and Modern Portfolio Theory to construct and monitor portfolios.

As a member of the financial independence community, I understand the value of quality fee only advice catering to the complex and "nontraditional" route we are taking to life. I have built a "lifestyle" practice, where I can serve clients, maintain my balanced lifestyle with two girls, pursue my hobbies and travel. I primarily work with clients on an ongoing retainer basis, charged with a monthly billing arrangement. For legacy (separated) clients or family of clients, I offer hourly based planning. I also prepare tax returns and manage assets, both of which I charge a separate fee for. After graduating from University of Maryland, College Park, I worked in public accounting doing tax preparation and consulting for high net worth individuals, estates and trusts. I changed careers into financial planning in 2013, working mainly with clients pursuing a traditional retirement path, including attorneys, physicians, executives and families with wealth. After working for a large planning firm in the DC area, I launched my firm in 2018. I am a CFP® and CPA. Given my background, I specialize in tax planning, retirement planning and frugality!

Patricia Bush is a CFP® and Series 65-registered advisor at AAA Advisory LLC with six years of industry experience. She has worked at Bestgate Tax & Accounting Advisors, LLC and Squire, Lemkin + Company, LLP, where she held various roles including tax consulting. Alongside her advisory work, she provides tax review and preparation services as a tax consultant. AAA Advisory LLC offers project-based financial planning and tax preparation services primarily through virtual meetings. The firm serves individual clients, including high-net-worth individuals, focusing on limited-scope engagements and non-discretionary investment recommendations that emphasize long-term, passive asset-allocation strategies without portfolio management or asset-based fees.