Steven William Hayes

Michael Hoffman is a CFP® with 18 years of industry experience, currently serving as Co-Managing Director of Forty W Advisors. He previously worked at Verdence Capital Advisors and held roles at Hightower Securities and Hightower Advisors. Forty W Advisors delivers comprehensive wealth management across three critical areas: financial administration, proactive tax-aware planning, and investment management with institutional access. Together, these services help align your personal wealth, family priorities, and business strategy into one coordinated plan, with the goal of reducing complexity and maximizing post-tax wealth.

Raymond Gazelle Jr. is a CFP® professional with 19 years of experience, operating as the sole advisor at his independent firm, Raymond L. Gazelle Jr., since 2005. His background includes providing consulting services to small banks on internal operations and data processing. The firm offers comprehensive financial and investment planning services to individuals as well as corporate and nonprofit clients, frequently collaborating with financial officers or committees. It uses a long-term, strategic portfolio allocation approach focused on asset allocation, diversification, and mutual fund and ETF selection, delivering advice on a consultative, non-discretionary basis without managing client assets.

Robert Clark is a CFP® professional with 26 years of experience in the financial advisory industry. He founded Clark Company in 2017 after 12 years at National Planning Corporation. Clark also provides tax preparation and fixed insurance services as part of his practice. Clark Company advises individual clients as well as pension and profit-sharing plans, offering portfolio management and financial planning services. The firm primarily manages client accounts on a non-discretionary basis, focusing on client-approved strategies, and combines advisory and insurance brokerage services.

Christopher Oland is a financial advisor at Harmony Wealth Advisors, LLC with nine years of industry experience. He holds the Series 65 and Series 66 designations. He has worked at Harmony Group, Inc. since 2015 and at Harmony Wealth Advisors, LLC since 2021. Outside of advising, he is a passive owner of Preserve, a restaurant in Annapolis, MD, and serves as President of the Southern Maryland Little League. Harmony Wealth Advisors, LLC provides portfolio management and financial planning services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm manages approximately $22 million in assets and employs a non-discretionary, long-term investment approach informed by cyclical and fundamental analysis along with modern portfolio theory.

Jacolyn Wetmore is the principal advisor at JWC Capital Management, LLC, an independent firm based in Annapolis, MD. She holds Series 63 and Series 65 licenses and has 15 years of industry experience, including prior roles at United Income, Inc. and Calvert Investment Counsel. JWC Capital Management provides fee-based, individually tailored portfolio management services to individuals, qualified retirement plans, trusts, estates, and charitable organizations. The firm employs fundamental analysis and manager-level evaluation primarily with exchange-traded funds, mutual funds, exchange-listed securities, and corporate debt, offering both discretionary and non-discretionary management.

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.