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.

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.

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.

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.

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.

Marcie Flynn is a financial advisor at Monarch Financial, LLC in Fallston, MD, holding Series 65 and Series 66 designations with five years of industry experience. She previously worked at Morgan Stanley Smith Barney LLC from 2015 to 2018 before establishing Monarch Financial in 2023. Monarch Financial LLC provides wealth management, discretionary investment management, and financial planning services to individuals, high-net-worth individuals, trusts, and estates. The firm employs a long-term investment approach using ETFs, mutual funds, individual stocks, and bonds, and integrates both fundamental and technical analysis in portfolio construction.

Nicholas Rumke is a financial advisor with WPG Financial Group, LLC in Baltimore, MD, holding a Series 65 designation and four years of industry experience. He has worked at several firms, including Kessler Investments and Founders Financial, before joining WPG Financial Group in 2019. Outside of his advisory role, he is also an independent insurance agent. WPG Financial Group provides discretionary and non-discretionary investment advisory services, financial planning, and retirement plan consulting to individuals, pension plans, business entities, and trusts. The firm employs a range of investment strategies across various asset classes and offers fiduciary services, ongoing account reviews, and reporting.

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.

Steven Gessner is a CFP® with 30 years of industry experience, currently serving at WPG Financial Group, LLC. His prior roles include positions at United Planners' Financial Services of America and Cambridge Investment Research. He is also an independent insurance agent. WPG Financial Group provides investment advisory services, financial planning, and retirement plan consulting to individuals, business entities, and trusts, employing a combination of fundamental, technical, and cyclical analysis across various investment vehicles.

Amanda Eimers is a financial advisor at Town Capital with Series 63 and Series 65 licenses and three years of industry experience. Her prior work includes roles at The Kelly Group and Wells Fargo, among others. Town Capital serves professionals, business owners, individual investors, corporations, trusts, estates, and charitable organizations with fee-only comprehensive financial planning and discretionary investment management. The firm follows a customized, goals-based investment approach focused on client-specific cash-flow outcomes and offers free public seminars on personal finance and investing.

Kelly Dunston is a financial advisor at Raskin Global Inc. with 23 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Guardian Life Insurance Company and Park Avenue Securities LLC. Dunston is also licensed as an insurance agent, selling life, disability, long-term care, and health insurance. Raskin Global Inc., founded in 2021, serves individuals, high-net-worth clients, trusts, estates, and business entities through discretionary asset management, co-advisory roles, and financial consulting. The firm employs a tailored investment approach that includes fundamental analysis, SEI asset allocation models, and selected third-party manager strategies, with an emphasis on leverage strategies and held-away account rebalancing.

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.

Melissa Miller is a financial advisor at Sovereign Financial Services, LLC in Phoenix, MD, holding a Series 65 designation with 10 years of industry experience. She has been with Sovereign Financial Services since 2010. Outside of her advisory role, she owns Sovereign Insurance Service, where she works as a licensed agent for life, health, home, and auto insurance. Sovereign Financial Services provides comprehensive financial planning and discretionary portfolio management, primarily serving trusts, businesses, and organizations rather than individual retail clients. The firm employs a five-step planning process and emphasizes diversified allocations using low-cost index funds and short- to medium-term fixed income investments, managing approximately $78.2 million in discretionary assets.

Douglas Robinson is a financial advisor at DouglasBradley LLC with 20 years of industry experience. He holds the Series 66 designation and has been with DouglasBradley LLC since 2005. Outside of his advisory role, he also serves as a member manager of an independent real-estate management entity, separate from his financial advisory work. DouglasBradley LLC provides investment portfolio management and financial planning to individuals, families, trusts, estates, and family businesses. The firm employs a tailored, discretionary approach focusing on income-producing securities and offers flexible engagement structures while managing approximately $84 million for about 75 client households.

Gabriela Miutescu is a CFP® and holds a Series 66 license with three years of industry experience. She is currently with Raskin Global Inc., where she has worked since 2025, following prior roles at Raymond James Financial Services and Long Financial Services. Gabriela serves as a board member of the Greater Chesapeake Foundation, a charitable organization based in Baltimore. Raskin Global Inc. serves individuals, high-net-worth clients, trusts, estates, and business entities with discretionary asset management, co-advisory roles, third-party manager referrals, and subscription-based financial consulting. The firm employs a tailored investment process that includes the use of leverage strategies and held-away account rebalancing, focusing on concentrated, hands-on client relationships.

If you are analytical, love details, and have higher standards and expectations for your financial advisor, we should talk. Our service model is high touch, very personalized, and as detailed oriented as you can get. We specialize heavily in retirement income planning and customization. We also pride ourselves in our very in depth, proactive tax planning. We are veteran-owned, real fiduciaries, and would love the opportunity to show you what we can do.