Joseph Manfredi is a financial advisor with Baltimore-Washington Financial Advisors, holding Series 63, 65, and 66 licenses and bringing 20 years of industry experience. He has worked at Baltimore-Washington Financial Advisors since 2015, following prior roles at Wells Fargo Clearing and UBS Financial Services. Baltimore-Washington Financial Advisors serves individuals, families, trusts, estates, foundations, and non-profit organizations with fee-only wealth management services, including financial planning, portfolio management, integrated tax services, and business services. The firm uses a team-based, holistic approach to align investment strategies with client goals and tax situations, supported by a weekly Investment Committee and detailed service tiers.

Richard Osikowicz is a CFP® professional with 28 years of industry experience. He is currently with Glass Jacobson Wealth Advisors, part of Mercer Global Advisors since 2025, and has previously worked at Triad Advisors and PNC Capital Advisors. Outside of finance, he operates a photography business offering portrait and event photography services. Glass Jacobson Wealth Advisors serves individual and high-net-worth clients, as well as retirement plans, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning and investment advisory services, supplemented by integrated offerings such as tax preparation, accounting, business consulting, and litigation support.

Isaiah Byrd Braxton is a financial advisor at Passive Capital Management, LLC in Baltimore, MD. He holds Series 65 and Series 63 licenses and has one year of industry experience. His prior work includes roles at AllianceBernstein and the Cystic Fibrosis Foundation. Passive Capital Management, LLC manages nearly $1 billion in client assets and serves individuals, business entities, pension plans, and charitable organizations. The firm employs a passive, asset-allocation investment approach, primarily using index mutual funds and ETFs, and offers discretionary and non-discretionary portfolio management alongside ERISA 3(21) retirement plan advisory services.

Michael Lightfield is a financial advisor at Horter Investment Management, LLC with 20 years of industry experience. He holds Series 63 and Series 65 credentials and is the owner of Lightfield Wealth Management, where he provides financial planning and investment advice. Additionally, he manages Columbia Tax Advisory Group, LLC, a tax and accounting firm. Horter Investment Management offers investment advisory and financial planning services primarily to individual and high-net-worth clients, utilizing an Investment Committee-driven multi-manager approach with discretionary and non-discretionary portfolio management options.

Kimberly Silvestri is a financial advisor at Berman McAleer with 19 years of industry experience. She holds the Series 66 designation and previously worked at Kestra Advisory and Kestra Investment Services, LLC. Berman McAleer provides holistic financial planning and discretionary portfolio management to individuals, businesses, trusts, estates, and retirement plans. The firm employs a discovery-based planning process and manages portfolios across long-term equity, short-term fixed income, and intermediate alternative segments, combining fundamental and quantitative research techniques.

Ryan Herbert is a financial advisor with Prostatis Financial Advisors Group in Hanover, MD, holding a Series 66 designation and 17 years of industry experience. He has worked at Peak Brokerage Services LLC and TCM Securities, Inc., and has been with Prostatis Financial Advisors since 2008. Prostatis Financial Advisors Group manages approximately $509 million in client assets through a multi-team of 18 advisors, serving individual, high-net-worth, and institutional clients. The firm employs a top-down, macro-environmental approach to tactical asset allocation and offers discretionary and non-discretionary portfolio management, financial planning, and sub-advisory services.

Brandon Oliver is a financial advisor with Oliver Wealth Management in Towson, MD, holding a Series 66 designation and 27 years of industry experience. He has worked at several firms, including Hayden Royal LLC and American Wealth Management, Inc. Oliver is also a licensed insurance professional, dedicating approximately 10% of his business time to this activity. Oliver Wealth Management provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, corporations, trusts, and estates. The firm employs a long-term investment approach combining fundamental and technical analysis, tailoring portfolios to clients’ goals and risk tolerance.

Christina White is a CFP® professional with 17 years of industry experience. She is currently with Kilter Group and has previously worked at firms including Beacon Pointe Advisors and VOYA Financial Advisors. In addition to her advisory role, she is licensed as an insurance agent with Beacon Pointe Insurance Services. Kilter Group is an SEC-registered investment adviser serving individuals, foundations, trusts, estates, corporations, and pension-plan sponsors. The firm employs a top-down, macro tactical asset-allocation strategy and integrates technology-enabled tools, offering discretionary and non-discretionary portfolio management alongside estate-planning and pension consulting services.

Gavin Walter is a CFP® and holds a Series 65 license with Williams Asset Management, where he has worked for two years in total, including a prior tenure before rejoining the firm. He has one year of experience at Commonwealth Financial Network and four years associated with the University of Maryland College Park in a non-advisory capacity. Williams Asset Management serves individuals, high-net-worth clients, and charitable organizations by providing discretionary investment management, wealth management, and financial planning. The firm utilizes a combination of fundamental, quantitative, Modern Portfolio Theory, and technical analysis along with long-term trading and options strategies to tailor portfolios according to client risk profiles and time horizons.

Peter Geier is a CFP® professional with one year of industry experience, currently serving at Financial Consulate in Baltimore, MD. His prior roles include positions at Greenspring Associates and Towson University. Financial Consulate serves individuals, corporate retirement plans, and institutional clients with comprehensive financial planning and investment management, integrating tax and accounting services alongside retirement-plan consulting. The firm’s investment approach combines tactical asset allocation with fundamental and macroeconomic analysis, emphasizing capital preservation and adaptive positioning.

Jeffrey Fountain is a CFP® professional with 10 years of industry experience, currently serving as an advisor at Passive Capital Management, LLC since 2018. Prior to this, he worked at MML Investors Services and MassMutual from 2015 to 2018. In addition to his advisory role, he is involved as a sales agent in life, health, group life, group health, disability income, fixed annuities, and long-term care insurance. Passive Capital Management, LLC manages nearly $1 billion in client assets through a team of eight advisors and serves individuals, business entities, pension and profit-sharing plans, and charitable organizations. The firm employs a passive, asset-allocation driven investment strategy focused on index mutual funds and ETFs, providing discretionary and non-discretionary management with regular rebalancing and performance measurement.

Duncan Mccall is a CFP® and holds a Series 65 license with two years of industry experience. He is currently an advisor at Williams Asset Management, where he has been since 2022, and previously worked at Commonwealth Financial Network. Outside of his advisory role, he is a member of entities managing real estate investments in Pennsylvania and Maryland. Williams Asset Management provides discretionary investment management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a multi-disciplinary investment approach including fundamental, quantitative, and technical analysis, with portfolio strategies tailored to client risk tolerances and time horizons.

Karissa Goessl is a financial advisor with Williams Asset Management in Columbia, MD, holding a Series 65 designation and nine years of industry experience. Her prior roles include positions at Commonwealth Financial Network, Homepoint Financial, Silverton Mortgage, and Cadaret, Grant & Co., Inc. Williams Asset Management provides discretionary investment management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm’s investment approach incorporates fundamental, quantitative, Modern Portfolio Theory, and technical analysis, with portfolios tailored to client risk tolerances and time horizons.

Keith Murray is a CFP® professional with 29 years of industry experience. He has been with Chapin Davis since 2009. Outside of his advisory role, he serves as a trustee on the board of St. Paul's School and as a director on the Endowment Committee of Old St. Paul's Episcopal Church. Chapin Davis provides investment advisory and financial planning services to individuals, corporations, trusts, and retirement accounts. The firm manages approximately $539 million in assets and employs a mix of fundamental and technical analysis, offering discretionary and non-discretionary portfolio management through a multi-advisor team.

Richard Spivey is a ChFC® with 44 years of industry experience, currently serving as President and Chief Marketing Officer at The L. Warner Companies, Inc. He has held roles with M Holdings Securities, United Brokerage Services, and Woodbury Financial Services. Spivey also serves on the finance committee of Timonium Methodist Church. The L. Warner Companies provides discretionary investment management and financial planning primarily to high-net-worth individuals and related entities, as well as consulting and administration services to corporations and non-profits. The firm employs a fundamental analysis-driven investment approach with broadly diversified portfolios and integrates multiple third-party platforms and fiduciary services.

Edwin Killinger is a CFP®, CFA®, and holds a Series 66 license with 32 years of industry experience. He has been with The L. Warner Companies, Inc. since 1994 and also associated with M Holdings Securities, Inc. for 20 years. Killinger serves as Chairman of the Investment Committee for the Barnett-Searing National Cancer Foundation and is a member of the Board of Trustees for Trinity School. He also participates on the finance committee of the Carson Scholar’s Fund and acts as an independent trustee for a charitable trust. The L. Warner Companies provides discretionary investment management and financial planning primarily to high-net-worth individuals, trusts, estates, and pension plans, while also offering consulting and administration services to corporations and non-profits. The firm utilizes a fundamental analysis-driven investment process with broadly diversified portfolios and integrates multiple third-party platforms and strategies.

Robert Carpenter is a financial advisor at Baltimore-Washington Financial Advisors with 36 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Ameriprise, Wells Fargo Clearing, and Ryan Beck & Co. before joining his current firm in 2012. Baltimore-Washington Financial Advisors provides fee-only wealth management services to individuals, families, trusts, estates, foundations, and non-profit organizations. The firm operates a team-based, holistic model combining financial planning, portfolio management, integrated tax services, and business advisory to align investment strategies with clients’ goals and tax situations.

Andrew Cook is a CFP® professional with 22 years of industry experience, currently serving at Berman McAleer since 2025. He previously worked at Kestra Advisory and Kestra Investment Services, LLC from 2004 to 2025. Outside his advisory role, he is a partner in BMC Holdings LLC, where he helps determine suitable investments for the firm’s owners. Berman McAleer provides holistic financial planning and discretionary portfolio management to individuals, business entities, trusts, estates, and retirement plans. The firm employs a discovery-based planning process and an Investment Committee that structures portfolios across equity, fixed income, and alternative segments, managing approximately $1.82 billion on a discretionary basis.

Kimberly Owen is a CFP® and holds a Series 66 credential with 17 years of experience in financial advisory roles. She is currently with Prostatis Financial Advisors Group and has previously worked at The Vanguard Group and SunTrust Advisory Services. In addition to her advisory work, she owns a rental property in Fort Myers, Florida. Prostatis Financial Advisors Group serves individual clients, including high-net-worth individuals, as well as foundations, trusts, estates, corporations, and charitable organizations. The firm employs a top-down, tactical asset-allocation strategy with sector rotation and integrates independent third-party managers, including those utilizing AI and machine-learning models, into client portfolios.

Nicholas Innerbichler is a financial advisor at Elite Income Advisors, Inc. with 21 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at firms including Horter Investment Management and Cambridge Investment Research. In addition to his role at Elite Income Advisors, he is involved with Retirement Planning Services, where he provides client service and investment advice relating to advisory accounts and insurance. Elite Income Advisors serves individual investors, pension and profit-sharing plans, trusts, and estates by offering comprehensive financial planning, discretionary portfolio management, and retirement-plan consulting. The firm utilizes model portfolios from sub-advisers and third-party providers while providing ongoing portfolio oversight and client education.