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.

Joseph Baczkowski is a financial advisor at Baczkowski & Company, an independent firm where he has served as the sole adviser since 1998. He holds Series 63 and Series 65 licenses and has three years of industry experience. Prior to his current role, he worked at Sargent & Lundy LLC for 11 years. Baczkowski & Company provides portfolio management and financial advisory services to individual clients, focusing on discretionary management of a small client roster without minimum account balances. The firm uses publicly available research and a mix of securities, mutual funds, and ETFs to tailor diversified portfolios, with investment decisions monitored daily and trades timed using in-house forecasts.

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.

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.

Gregory Bowser is a CFP® with 39 years of industry experience, currently serving at Safe Harbor Retirement Planners and Safe Harbor Financial Group LLC. He has worked at Safe Harbor Financial Group since 2007 and at Asset Management Services, Inc. since 1997. Outside of advisory work, he also acts as an insurance agent with Safe Harbor Financial Group. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and administrative services to individual and high-net-worth clients, as well as advisory services to retirement plans. The firm’s investment approach emphasizes global diversification using low-cost index ETFs and selected individual stocks, with portfolios managed primarily on a discretionary basis.

Jakob Kelly is a financial advisor at Chesapeake Capital Management, LLC with a Series 65 credential and two years of industry experience. Prior to joining Chesapeake Capital Management, he worked in various roles including at Ram Landscaping and State Farm. Outside of advisory work, he has worked as a restaurant waiter at Liberatore's Ristorante & Catering since 2020. Chesapeake Capital Management serves individual and high-net-worth clients by providing portfolio management and financial planning through a team of seven advisors. The firm offers both discretionary and non-discretionary advisory solutions, client education programs, and a wrap-fee management option.

Eric Bowser is a financial advisor at Safe Harbor Retirement Planners with nine years of industry experience. He holds a Series 65 designation and has worked at Asset Management Services, Inc. and WealthMax Advisors, LLC. Bowser also teaches at Harford Community College. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and administrative services to individual and high-net-worth clients, as well as fiduciary advisory services to retirement plans. The firm emphasizes global diversification using low-cost index ETFs and selected stocks, with portfolios managed mainly on a discretionary basis.

Benjamin Huber is a CFP® professional at Five Rivers Financial Advisors, LLC with seven years of industry experience. He has been with Five Rivers Financial Advisors since 2011. Five Rivers Financial Advisors manages approximately $52.6 million for a range of clients including individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and small businesses. The firm provides fee-based portfolio management and financial planning services, utilizing a tailored approach based on client objectives, time horizons, risk tolerance, and liquidity needs.

Raymond Heidel is a Certified Financial Planner® with 25 years of industry experience. He has been with Five Rivers Financial Advisors, LLC since 1997. The firm manages approximately $52.6 million for individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and small business entities, serving both high-net-worth and non-HNW clients. Five Rivers Financial Advisors provides fee-based portfolio management and financial planning services, utilizing a tailored approach based on client objectives, risk tolerance, and liquidity needs.

Henry Godfrey is a financial advisor at Safe Harbor Retirement Planners with 20 years of industry experience. He holds a Series 66 designation and has worked at Asset Management Services, Inc. since 2009 and Safe Harbor Financial Group LLC since 2000. In addition to his advisory role, he is also an insurance agent with Safe Harbor Financial Group. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and administrative services to individual and high-net-worth clients, as well as fiduciary advisory services to retirement plans. The firm emphasizes global diversification through low-cost ETFs and selected stocks, tailoring allocations to clients’ risk tolerance and retirement timeline, and offers fee-based insurance consulting along with educational seminars.

Randy Packett is a financial advisor at Chesapeake Capital Management, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Chesapeake Capital Management since 2015, previously serving at Sageguard Investment Advisory Services and Chesapeake Financial Solutions, where he remains active as a licensed insurance agent. Outside of finance, he is CEO and board member of Regalworks Media, an independent film studio, and is a partner in Evolved Hospitality Group, a restaurant and catering business. Chesapeake Capital Management, LLC serves individual and high-net-worth clients with portfolio management and financial planning services. The firm operates as a team of seven advisors, offering both discretionary and non-discretionary advisory solutions alongside client education and communications, and sponsors a wrap-fee program to provide bundled fee management options.

John Donohue III is a CFP® professional with 20 years of experience in financial advising, currently serving at Founders Financial Securities LLC since 2006. He holds the Series 66 designation and is based in Bel Air, MD. In addition to his advisory role, he acts as treasurer for DHT Financial Group and serves as a trustee for irrevocable trusts. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of services such as portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing both traditional and non-traditional delivery methods including model portfolios and co-advised private wealth solutions.

Brooks Shertzer is a Series 66-licensed advisor with Founders Financial Securities LLC, where he has worked since 2015. He has nine years of industry experience and previously held roles at Fellowship Chapel and Loyola University Maryland. Outside of his advisory work, he serves as treasurer for several nonprofit organizations, including the Harford County Sheriff's Foundation and Harford Family House, as well as a political campaign committee. Founders Financial Securities serves a diverse client base, including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management, financial planning, and retirement consulting services, with investment approaches implemented through various programs such as Independence Advisory and Freedom Capital Management Strategies.

Jude Kotarides is a financial advisor at CW Advisors, LLC with 24 years of industry experience. He holds the PFS™ designation and previously worked at Alliant Financial Management, Inc. for over three decades before joining Congress Wealth Management LLC in 2023. CW Advisors serves a diverse client base including individuals, high-net-worth families, trusts, estates, charitable organizations, and institutional clients. The firm employs a core-and-satellite investment approach that integrates active, passive, quantitative, and environmentally conscious strategies, offering wealth management, retirement plan advisory, family office services, and sub-advisory support.

Michael Thomson Sr. is a ChFC® credentialed advisor with Founders Financial Securities LLC in Bel Air, MD, bringing 31 years of industry experience. He has been with Founders Financial Securities since 2006. Outside of his advisory role, he is involved in managing employee benefits through HT Financial and serves as treasurer for a local political campaign. Founders Financial Securities serves a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management and consulting services, utilizing multiple delivery platforms and third-party sub-advisors to provide customized investment solutions.

Gregory Hart is a financial advisor at Founders Financial Securities LLC with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Founders Financial Securities since 2006, following a 23-year tenure at Janbar, L.L.C. Hart is also involved with DHT Financial Group, an investment advisory business. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing both traditional and non-traditional delivery methods such as subscription-based retirement education and co-advised private wealth solutions.

Christopher Hardy is a financial advisor at First Advisors National, LLC with 26 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Signator Investors, and Transamerica Financial Advisors. Outside of his advisory work, Hardy serves as an assistant basketball coach for Maryland Hoopmasters AAU Basketball. First Advisors National manages discretionary assets for individual and high-net-worth clients, offering investment management, third-party portfolio recommendations, and retirement plan consulting. The firm emphasizes selecting and monitoring money managers while supplementing with fundamental analysis of individual securities.

Ronald Hammons is a financial advisor with Founders Financial Securities LLC, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has been with Founders Financial Securities since 2011. Outside of his advisory role, Hammons provides business consulting services focused on ownership guidance, efficiency improvement, and exit planning for business owners. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of services such as portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing various advisory platforms and a combination of mutual funds, ETFs, and sub-advised strategies.

Cherisse Reumont is a financial advisor with First Command Advisory Services, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. Her background includes roles at the Small Business Administration and multiple positions within First Command’s affiliated companies. Outside of finance, she works as a fragrance freelancer for Christian Dior and serves as treasurer for Channel of Grace Worship Center, where she manages financial operations. First Command Advisory Services serves individual, high-net-worth, corporate, and charitable clients through a multi-service platform that includes financial planning, discretionary asset management, brokerage recommendations, and insurance and banking products. The firm emphasizes advisor-led, face-to-face financial coaching and offers structured planning engagements alongside discretionary portfolio management through its in-house Investment Management Team.

Michael Crumley III is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Financial, SFG Wealth Management, Synergy Financial Group, and academic appointments at Towson University and Carroll Community College. Private Advisor Group is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships. The firm serves individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients, offering portfolio management, financial planning, and access to third-party asset management programs.