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.

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.

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.

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.

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.

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.

Jacob Adkins is a CFP® and holds a Series 65 license with six years of industry experience. He has been with The Kelly Group since 2018, following prior roles at AXA Advisors, First National Bank, and Salisbury University. The Kelly Group serves individuals, families, trusts, nonprofits, corporations, and qualified retirement plans, managing approximately $1.13 billion in assets for over 1,000 clients through a team of 15 advisors. The firm employs a team-based approach with diversified model allocations, primarily using institutional mutual funds and active managers, combined with ongoing monitoring and behavioral coaching.

Richard Fletcher is a CFP® professional with 33 years of industry experience, currently serving at The Kelly Group in Bel Air, MD. His prior experience includes roles at Cambridge Investment Research Advisors, Inc. and EF Legacy Securities, LLC. The Kelly Group serves individuals, families, trusts, nonprofits, corporations, and qualified retirement plans, managing approximately $1.13 billion in assets for over 1,000 clients with a team of 15 advisors. The firm employs a team-based approach, utilizing diversified model portfolios with a preference for active managers and providing comprehensive financial planning, retirement and estate planning, and business succession services.

Jordan Heaps is a CFP® professional with seven years of industry experience. He has worked at The Kelly Financial Group since 2020 and previously at Cambridge Investment Research, Inc. from 2015 to 2020. He is based in Bel Air, MD. The Kelly Group serves individuals, families, trusts, nonprofits, corporations, and qualified retirement plans, managing approximately $1.13 billion in assets for over 1,000 clients. The firm employs a team-based model using diversified portfolios that emphasize institutional mutual funds and active managers, along with ongoing monitoring and behavioral coaching.

Emily Smith is a Series 65-licensed financial advisor with The Kelly Group, bringing one year of industry experience. Prior to joining The Kelly Group, she worked at Johnson and Johnson and has a background that includes time in education and the food service industry, having worked at Bomboy's Homemade Candy and Ice Cream. The Kelly Group advises a diverse client base including high-net-worth individuals, families, nonprofits, and corporations, managing over $1 billion in assets. The firm employs a team-based approach with CFP® professionals, focusing on diversified model portfolios, active management when appropriate, and behavioral coaching to support long-term financial goals.

Lauren Madison is a Series 65 credentialed advisor at The Kelly Group with three years of industry experience. Prior to joining The Kelly Group in 2021, she worked at PNC from 2017 to 2021 and held various roles at Salisbury University. The Kelly Group serves individuals, families, trusts, estates, nonprofits, corporations, and qualified retirement plans, managing approximately $1.13 billion in assets for over 1,000 clients. The firm uses a team-based approach featuring CFP® professionals and diversified model portfolios, emphasizing active management when appropriate, ongoing monitoring, and behavioral coaching.

Quinn Sutker is a financial advisor with The Kelly Group in Bel Air, MD, holding a Series 65 designation and beginning his industry career in 2024. Prior to joining The Kelly Group, he worked at InFocus Financial Advisors and has academic experience from Salisbury University. The Kelly Group serves individuals, families, trusts, nonprofits, corporations, and qualified retirement plans, managing over $1 billion in assets with a team of 15 advisors. The firm employs a team-based approach focused on diversified model portfolios, ongoing monitoring, and behavioral coaching to support long-term investment goals.