Timothy Truss is a financial advisor with The L. Warner Companies, Inc. in Timonium, MD, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with The L. Warner Companies and M Holdings Securities since 2009. Outside of his advisory role, he is the owner of Skipekey LLC, an entity used for estate planning purposes. The L. Warner Companies serves high-net-worth individuals, trusts, estates, retirement plans, corporations, non-profits, and other business entities by providing financial planning, investment management, and consulting services. The firm manages diversified portfolios with a fundamental research approach and offers fiduciary plan services, leveraging both internal resources and third-party manager programs.

John Ciccarone is a financial advisor with WBH Advisory, Inc. in Baltimore, MD, holding a Series 65 designation and 34 years of industry experience. He has been with Wagner Capital Management Corp since 1992. WBH Advisory is a multi-advisor wealth management firm serving individual, trust, retirement-plan, nonprofit, and corporate clients with discretionary portfolio management, financial planning, estate planning, and income tax planning. The firm employs fundamental equity analysis to construct individualized portfolios and incorporates technology platforms for reporting, account management, and portfolio rebalancing.

Monica Boulter is a financial advisor at CSP Financial Group LLC in Baltimore, MD, with four years of industry experience. She holds a Series 65 designation and has worked with CSP Financial Group since 2023. Outside of her advisory role, she serves as a Foreign Affairs Officer with the U.S. Department of State, a position she has held since 2015. CSP Financial Group provides discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm emphasizes portfolio construction and monitoring aligned with Modern Portfolio Theory and collaborates with third-party managers such as Matson Money.

Mary Thompson is a CFP® with 13 years of experience in financial advising. She is currently with Buttonwood Financial Advisors, Inc., where she has worked since 2024. Her prior experience includes roles at Reframe Financial Planning, LLC and Financial Advantage, Inc. Thompson is a co-founder and board chair of This Point Forward, a nonprofit that provides resources and services to adults over 50 navigating the second half of life. Buttonwood Financial Advisors offers portfolio management and comprehensive financial planning to individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm manages approximately $393 million in client assets and employs a disciplined investment process based on written policies, fundamental analysis, and strategic asset allocation.

Terrence Jones is a financial advisor at Baltimore-Washington Financial Advisors with 10 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at T. Rowe Price for several years. Baltimore-Washington Financial Advisors is a fee-only wealth management firm serving individuals, families, trusts, estates, foundations, and nonprofit organizations. The firm employs a model portfolio investment process overseen by a weekly committee and integrates tax considerations into financial planning and portfolio management.

Stephen Baird is a CFP® with 19 years of industry experience, currently serving at Jemma Financial Services. He has held roles at several firms including Harborside Sales Group, LLC and Foreside Fund Services, LLC. In addition to his advisory work, he is a board member of the MECP2 Duplication Foundation, a public charity that supports families and furthers research. Jemma Financial Services advises individuals, pension plans, and charities, managing approximately $140 million across five advisors. The firm offers discretionary portfolio management based on five risk-targeted model portfolios, integrates financial planning using MoneyGuidePro, and employs quantitative and qualitative screening with daily model monitoring.

James Foxen is a financial advisor at Cornerstone Advisory with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Kestra Financial, Brighthouse Securities, and MetLife Investors Distribution Company. Foxen has been with Cornerstone Advisory since 2019. Cornerstone Advisory provides discretionary portfolio management, financial planning, pension consulting, and sub-advisory services to individuals, pension plans, trusts, charitable organizations, and corporations. The firm uses a planning-first approach with wealth forecasting and probability analysis, integrating traditional and alternative investment strategies, and manages approximately $2.25 billion in discretionary assets.

Andrew Conn is a CFP® with seven years of experience in the financial services industry. He currently serves as a financial advisor at Indivisible Partners and previously worked at RBC Capital Markets, Steward Partners, and Towson University. Indivisible Partners provides investment advisory and financial planning services to individuals, personal trusts, pension and profit-sharing plans, charities, and businesses. The firm manages approximately $2.08 billion in regulatory assets and employs a team-based approach that uses an Investment Committee’s strategic asset allocation framework alongside active, passive, and blended investment strategies.

Eric Hart is a financial advisor at SFG Wealth Management with 11 years of industry experience. He holds a Series 66 designation and has been with SFG Wealth Management since 2016, also maintaining a role at LPL Financial since 2014. SFG Wealth Management serves individual and high-net-worth clients, as well as trusts, retirement plans, and business entities, managing approximately $760 million in client assets. The firm emphasizes asset allocation and diversified fixed-income strategies, utilizing both long-term and active trading techniques alongside model-driven portfolios and offers a broad range of financial planning and consulting services.

Ilene Salcman is a financial advisor at The L. Warner Companies, Inc. with 26 years of industry experience. She holds a Series 66 designation and has been associated with The L. Warner Companies since 1998 and M Holdings Securities, Inc. since 2006. The L. Warner Companies serves high-net-worth individuals, trusts, estates, retirement plans, corporations, non-profits, and other business entities by providing financial planning, investment management, and consulting services. The firm manages diversified portfolios through a research-driven process and offers fiduciary plan services alongside third-party manager programs.

Dale Woodring is a financial advisor at Financial Council, LLC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Financial Council entities since 2009, as well as with Commonwealth Financial Network since 2009. Financial Council, LLC provides discretionary investment management and advisory services to individuals, trusts, estates, charitable organizations, and corporations, using model asset allocation strategies primarily based on mutual funds. The firm maintains discretion over portfolio rebalancing and manager changes and offers regular market commentary and account reviews.

Jack Ramey is a CFP® professional with 37 years of industry experience, currently serving at WBH Advisory, Inc. since 2020. His prior roles include positions at Biegel Waller Investment Advisory Services, the College of Financial Planning, and Fidelity, where he worked from 1998 to 2016. He serves on the investment committee of the Fuel Fund of Maryland, a nonprofit organization assisting with household utility payments. WBH Advisory is a multi-advisor wealth management firm managing approximately $1.74 billion for individual, trust, retirement-plan, nonprofit, and corporate clients. The firm provides discretionary portfolio management along with financial, estate, and income tax planning, utilizing fundamental equity analysis and a variety of investment vehicles with a longer-term focus and periodic rebalancing.

John Kelly is a CFP® professional with 16 years of industry experience. He has been with Baltimore-Washington Financial Advisors since 2009. Baltimore-Washington Financial Advisors is a fee-only wealth management firm serving individuals, families, trusts, estates, foundations, and nonprofit organizations. The firm emphasizes diversified, model portfolio strategies overseen by a weekly investment committee and integrates tax considerations closely with investment management, while managing a high client load through scalable, standardized processes.

Gregory Armstrong is a CFP® professional with 22 years of industry experience, currently serving at Armstrong Dixon in Baltimore, MD. He has been affiliated with LPL Financial and Armstrong Dixon since 2013. Outside of his advisory role, he is involved in non-variable insurance activities. Armstrong Dixon provides discretionary investment management and financial planning to individuals, high-net-worth families, charitable organizations, small business owners, and retirement plan sponsors. The firm employs a strategic, global asset allocation approach combining active and passive strategies, third-party research, and risk-management metrics, managing approximately $447.5 million in assets for around 290 clients with a team of six advisors.

Carrie Beren is a CFP® professional with 18 years of industry experience. She is currently with Wbh Advisory, Inc., where she has worked since 2021. Her prior experience includes roles at Congress Wealth Management LLC, Pinnacle Advisory Group, Inc., BB&T Investment Services, Inc., and Durbin Financial Advisors, Inc. She is also the manager of a family LLC focused on estate planning. Wbh Advisory is an 11-advisor SEC-registered wealth management firm managing approximately $1.74 billion for a range of clients including individuals, trusts, and nonprofit organizations. The firm offers discretionary portfolio management alongside financial, estate, and tax planning, employing fundamental equity analysis, diversified portfolios, and integrated technology platforms in its investment approach.

Samantha Nash is a financial advisor with Baltimore-Washington Financial Advisors, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Prostatis Financial Group, SFG Wealth Management, and LPL Financial. Outside of finance, she has experience working in the hospitality industry at Old Stein Inn and Buddy's Crab & Ribs. Baltimore-Washington Financial Advisors is a fee-only wealth management firm serving individuals, families, trusts, estates, foundations, and nonprofit organizations. The firm employs a model portfolio strategy overseen by a weekly investment committee, emphasizing diversified allocations and long-term capital growth, while integrating tax considerations into portfolio management and offering specialized services such as business transaction support and a Living Legacy aging plan.

Genevieve Crisera is a CFP® professional with 15 years of industry experience. She currently serves at Berman McAleer and previously worked at Kestra Advisory and L. Warner Companies, Inc. Berman McAleer offers 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 utilizes a segmented investment approach overseen by an Investment Committee, managing approximately $1.82 billion on a discretionary basis.

John Crain is a financial advisor with Chapin Davis in Reisterstown, MD, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He worked at Summit Financial Group Inc and Summit Brokerage Services, Inc. from 2002 to 2018 before joining Chapin Davis in 2018. Outside of his advisory role, he is an insurance agent involved with Crump Insurance and Chapin Davis Insurance, focusing on life, health, long-term care, and disability insurance products. Chapin Davis serves individuals, corporations, trusts, and retirement accounts with investment advisory and financial planning services. The firm manages approximately $539 million in assets and employs a variety of investment strategies through a multi-advisor team.

Gay Wagner is a financial advisor with Jemma Financial Services in Baltimore, MD, holding Series 66, Series 65, and Series 63 licenses and has 11 years of industry experience. She previously worked at Brown Advisory for seven years before joining Jemma Investment Advisors, LLC. Gay Wagner is part of a five-advisor team at Jemma Financial Services. Jemma Financial Services manages approximately $140 million across about 312 client relationships, serving individual investors, pension plans, and charities. The firm offers discretionary portfolio management through five risk-targeted model portfolios and integrated financial planning, utilizing quantitative and qualitative methods for portfolio construction and ongoing monitoring.

Brian Carroll is a CFA® charterholder with eight years of experience, currently serving as an advisor at Berman McAleer since 2018. He previously worked at WMS Partners, LLC, and has teaching experience from Johns Hopkins Carey Business School. 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 alternatives, managing approximately $1.82 billion on a discretionary basis.