James Funck is the sole advisor at Baltimore Avenue Investments, LLC in Towson, MD, holding Series 63 and Series 66 licenses with 23 years of industry experience. He has worked at Investors Security Co Inc since 2002 and founded Baltimore Avenue Investments in 2012. Baltimore Avenue Investments provides discretionary portfolio management and financial planning services to individual and high-net-worth clients. The firm employs a combination of charting, fundamental, technical, and cyclical analysis with both long- and short-term strategies, including short sales, margin transactions, and options writing.

Andrew Davis is a financial advisor at Schiff Wealth Advisors, LLC in Baltimore, MD, holding Series 65 and Series 66 licenses with 19 years of industry experience. He has been with Schiff Wealth Advisors since 2012. Schiff Wealth Advisors provides investment management and retirement-plan advisory services to individuals, trusts, qualified retirement plans, charitable organizations, and small businesses. The firm follows a long-term, asset-allocation-driven investment approach based on Modern Portfolio Theory, primarily using passively managed mutual funds and ETFs, and offers financial planning consultations on tax, estate, college planning, and cash flow.

Philip Weiss is a CFA® charterholder and principal of Apprise Wealth Management LLC in Phoenix, MD, with 12 years of industry experience. He has worked at several firms including Foundation Wealth & Tax Advisors, Bestgate Wealth Advisors, and American Century Investment Services. Outside of investment advisory, he is a co-presiding partner of Hay Weiss CPA, LLC, an accounting firm he helped found in 2002, and occasionally reviews industry guides for the CFA Institute. Apprise Wealth Management is an independent advisory firm managing approximately $93.4 million for about 72 clients, including individuals, trusts, estates, charitable organizations, corporations, and other advisers. The firm employs a bottom-up investment approach that integrates fundamental security analysis, asset allocation, and tax-efficient strategies, with portfolios typically blending equities, mutual funds, ETFs, and options where appropriate.

Phillip Dyer is a CFP® with 25 years of industry experience and has led Dyer Financial Advisory since 2002. He holds a Series 65 license and operates an independent advisory firm based in Towson, MD. Outside of his advisory role, he is a principal and strategic business consultant at Victory Success System, LLC, a separate business consulting venture. Dyer Financial Advisory is a fee-only registered investment adviser serving individual investors, trusts, estates, charities, and small businesses. The firm emphasizes long-term, buy-and-hold portfolio strategies based on Modern Portfolio Theory, focusing on asset allocation and low-cost index funds, while providing personalized investment management and financial planning services.

George Noon is a CFA® charterholder and principal of Noon Investment Management LLC with over 30 years of industry experience. He previously worked at LaSalle Investment Management from 1990 to 2020 before leading his own firm since 2023. Noon Investment Management provides investment advisory and financial planning services to high-net-worth individuals, trusts, estates, businesses, registered investment advisers, and institutional clients. The firm employs a primarily long-term, fundamental investment approach supplemented by technical analysis and is notable for actively serving institutional clients and offering consulting and sub-advisory support to other advisory firms.

John Ciesielski is a CFA® charterholder and Series 63 licensee with four years of industry experience. He has been with R.G. Associates, Inc., an independent firm based in Towson, MD, since 1992. R.G. Associates provides discretionary investment management for individual investors through separately managed accounts, focusing on a bottom-up, value-oriented stock selection process based on fundamental microeconomic analysis and detailed financial reporting. The firm serves clients with concentrated, long-term, long-only portfolios and also offers limited financial analysis consulting for institutional clients.

Graeme Woods is the principal advisor at G.S. Woods Wealth Management with 15 years of industry experience. He holds the ChFC® designation and Series 63 and 65 licenses. Woods has experience in both financial services and business consulting, including managing a wholesale import-export company and leading a business consulting and insurance firm focused on risk management and business value growth. G.S. Woods Wealth Management serves individuals, families, small businesses, and charitable organizations by providing written financial planning, insurance placement, business consulting, and pension consulting services. The firm emphasizes goals-based planning and risk assessment, referring clients to third-party asset managers and offering fixed-fee and hourly engagements, with a notable role in pension consulting for government entities.

Christopher Yeagle is a financial advisor at Honeygo Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch and Life Plan Financial. Yeagle’s background also includes over a decade at TJ Distributors, Inc. Honeygo Financial provides investment management and comprehensive financial planning to individual clients, serving both mass-affluent and high-net-worth households. The firm employs a Modern Portfolio Theory-based approach, primarily using passive strategies with index mutual funds and ETFs, and emphasizes documented investment policies, tax efficiency, and coordination with outside tax and legal professionals.

Carroll Smith is a financial advisor at RS Wealth Management, Inc. with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with National Planning Molter since 2009. RS Wealth Management, Inc. is a single-advisor independent firm that provides ongoing portfolio management and integrated financial planning primarily for individual and high-net-worth clients. The firm operates on a non-discretionary basis, requiring client approval for trades, and emphasizes mutual funds and ETFs using both fundamental and technical analysis.

William Kauffman is a CFA® charterholder and the sole advisor at Paramount Investments, LLC, with 13 years at the firm and a total of 7 years in the industry. He has worked concurrently with Asset Strategy Consultants, LLC and NIC, and previously held a position at Notre Dame of Maryland University. Outside of his advisory role, he serves as a research analyst at a nonprofit organization focused on senior housing and care. Paramount Investments, LLC is a single-advisor registered investment adviser that offers discretionary portfolio management, integrated financial planning, and 401(k) advisory services to individuals, high-net-worth clients, trusts and estates, small businesses, and charitable organizations. The firm takes a primarily long-term, fundamental investment approach, utilizing diversified portfolios with low-cost mutual funds and ETFs, and selectively adding individual stocks and bonds, while using technical analysis mainly for trade timing.

Paul Nastasi is a financial advisor at A. J. Perry & Company, Inc. with 22 years of industry experience. He holds the Series 65 designation and has been with A. J. Perry & Company since 1987. A. J. Perry & Company provides discretionary portfolio management and investment advice primarily to individual clients, including both non-high-net-worth and high-net-worth households, as well as pension plans, charitable organizations, and corporations. The firm’s investment approach focuses on diversified, low-turnover mutual fund allocations tailored to client objectives, with ongoing monitoring and quarterly reviews.

Steven Prumo is the principal advisor at Prumo Wealth Management, LLC, an independent firm based in Towson, MD. He holds Series 63, 65, and 66 licenses and has 18 years of experience in the financial industry, including roles at Merrill from 2010 to 2023 and Morgan Stanley from 2023 to 2025. Outside of his advisory work, he is a sole proprietor of a rental property business. Prumo Wealth Management provides portfolio management and financial planning services primarily to individual and high-net-worth clients. The firm employs a variety of analytical methods and offers a broad range of investment products, including equities, fixed income, REITs, and insurance products, with an emphasis on tailored strategies and discretionary trading.

Antoine Orr is the sole advisor at Plancorr Wealth Management, LLC in Nottingham, MD, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Plancorr Wealth Management since 2008 and has operated as a self-employed insurance agent since 1998, dedicating significant time to his independent insurance services. Plancorr Wealth Management provides fee-only financial consulting and personalized planning to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm emphasizes detailed analyses including investment portfolio cost-benefit and risk management, retirement income planning, and insurance reviews, delivering advice through consultations and written reports without taking custody of client assets.

Joseph Valletta is the principal of HR Investment Consultants, Inc. in Baltimore, MD, holding a Series 65 credential with 35 years of industry experience. He has been with HR Investment Consultants since 1994. Outside of advisory services, he co-owns Pension Data Source, Inc., a firm that publishes fee benchmarking data for retirement plans. HR Investment Consultants, Inc. provides specialized retirement-plan consulting to corporations, institutions, and associations with participant-directed plans, focusing on 401(k) and 403(b) sponsors. The firm operates as a solo practice serving a limited client base, offering non-discretionary fiduciary and non-fiduciary consulting services without managing client assets.

Charles Kares is the principal advisor at C.T. Kares Advisory Group, Inc. in Abingdon, MD, holding Series 63 and Series 65 credentials with 11 years of industry experience. He has led his independent advisory firm since 1999. C.T. Kares Advisory Group provides investment advisory services to individuals, retirement plans, trusts, estates, and charitable organizations, managing accounts on a non-discretionary basis. The firm emphasizes long-term, buy-and-hold strategies using predominantly no-load and load-waived mutual funds tailored to each client’s objectives and risk tolerance.

Stephen Olah is a CFP® and PFS™ credentialed financial advisor with 29 years of industry experience. He is the principal of Towson Financial Advisors, LLC, where he has worked since 2016. In addition to his advisory work, he maintains a CPA practice focused on tax return preparation and consulting. Towson Financial Advisors provides portfolio management and financial planning services to individual and high-net-worth clients, applying modern portfolio theory with a long-term trading approach and managing accounts on a discretionary basis.

Hi, I’m Robert Lindstrom, founder of Provision Financial Planning (PFP). My own unique journey has culminated in PFP. Just like it is important for me to understand my clients’ past experience as it relates to money, it’s important that you know my history in this field. I became interested in investing and personal finance at a young age. I was going to do something related to finance but I began my career in 2010 on the heels of the Great Recession. I felt fortunate to find any job, much less one in “financial services”. What a blessing this turned out to be. Beginning my career in “wealth management” planted the seed. It was here where I was encouraged to obtain the CFP designation. This really opened my eyes to the importance of financial planning instead of just investment management. The CFP® designation covers dozens of areas of financial expertise is recognized as the standard of excellence for the financial planning profession. Pursuing this desire to do more than investments, I ended up taking a position that would allow me to do financial planning. However, this position was primarily a commission-driven sales role. While I learned a lot, this was not a good fit for me. It wasn’t all bad. I now have a much better understanding of how various products work (and don’t work) and the sales-driven financial piece of my industry that is unfortunately so prevalent. It was my next role where things really started to take shape. I ended up working at a Fee-Only firm that had deep tax expertise. I immediately felt at home in this fee-only compensation model because I could focus on planning instead of selling. Being a Fee-Only advisor means I don’t sell any financial products for a commission or receive other revenue sharing. This means I’m only compensated directly by my clients, which eliminates many of the conflicts so prevalent in my industry. I’ve also been exposed to several different investment philosophies in my career. A lot of industry experts claim to be able to time the market or identify the next hot sector or stock, either themselves or by picking active funds that try to. The data shows this is unlikely, and even risks large underperformance. While it may sound counterintuitive at first, you’re paying us to prudently manage a portfolio for you instead of seeking to outperform by timing the market. This brief history has culminated in me founding Provision Financial Planning in 2019 as a proud fee-only firm.

Walter Hoffman is the sole advisor at Hoffman Financial Consultants in Belcamp, MD, with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Osaic Wealth, Inc. and SagePoint Financial, Inc. Hoffman also sells term life insurance as an independent contractor. Hoffman Financial Consultants provides investment advisory and financial planning services to individuals, trusts, and estates. The firm offers non-discretionary advice with a long-term buy-and-hold investment approach, incorporating both fundamental and technical analysis, and emphasizes personal client contact.

Colin Exelby is a CFP® with 25 years of industry experience, currently serving as the sole advisor at Celestial Wealth Management in Towson, MD. His prior experience includes roles at Armstrong Dixon and LPL Financial. He is also an independent insurance producer specializing in life insurance and fixed annuities. Celestial Wealth Management provides discretionary investment management, financial planning, and consulting services to individuals, high-net-worth clients, and employee benefit plans. The firm employs a combination of fundamental, technical, and cyclical analysis to construct portfolios and manages a wrap fee program on LPL’s platform, in addition to offering pension consulting and participant education.

Brandon Barrett is a financial advisor at Elbrus Partners, LLC with 13 years of industry experience. He holds a Series 66 designation and has worked at Kissinger Financial Services, LLC and its affiliated entities. Outside of advisory work, he manages operations for an apartment complex in Baltimore, MD through MMHK LLC. Elbrus Partners provides discretionary portfolio management and advisory services to individual investors, families, and high-net-worth clients. The firm uses a global tactical asset allocation approach, incorporating various analytical methods and derivative strategies, and manages client portfolios on a discretionary basis with tailored investment policies.