Joseph Krcma is a financial advisor at Founders Financial Securities LLC with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Founders Financial Securities since 2014. Founders Financial Securities serves individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients through a network of registered investment adviser representatives. The firm offers a range of services including 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.

R. Matthew Novak is a CFP® professional with 20 years of experience in the financial industry. He has worked at Harbor Investment Advisory, LLC since 2014. Outside of his advisory role, Novak serves on the board of directors for the Arbor Dog Foundation. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, retirement plan consulting, and various wrap-fee advisory programs, combining quantitative and qualitative analysis to create client-specific asset allocations and select third-party portfolio managers.

William Schadty is a financial advisor with Harbor Investment Advisory, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He worked at Morgan Stanley Smith Barney for 11 years before joining Harbor Investment Advisory in 2020. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities, offering portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, providing both discretionary and non-discretionary services.

Daniel Baker is a financial advisor at Harbor Investment Advisory, LLC with seven years of industry experience. He holds a Series 66 designation and has previously worked at Kestra Financial, Inc., BFG Financial Advisors, Kissinger Financial Services, and Miami University of Ohio. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm’s investment approach combines quantitative and qualitative analysis, manager due diligence, and third-party technology to manage portfolios across discretionary and non-discretionary programs.

Spencer Reece is a financial advisor at Snowden Capital Advisors LLC with four years of industry experience and holds a Series 66 credential. His prior work includes positions at Merrill and Snowden Lane Partners. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients, offering portfolio management, investment consulting, and financial planning services. The firm utilizes a multi-team approach with a range of investment tools and frequently works with third-party managers to customize client portfolios.

Brian Zabora is a CFA® charterholder with 32 years of industry experience. He is currently with Founders Financial Securities LLC and has prior experience at Lincoln Financial Advisors and Hovde Group, LLC. Founders Financial Securities provides investment advisory services to individuals, retirement plan sponsors, trusts, and corporate clients through a network of IARs managing approximately $4.1 billion in client assets. The firm offers multiple advisory platforms, including managed portfolios and specialized services such as 1031 exchange consulting and co-advised private wealth solutions.

Robert Laubach is a ChFC®-designated financial advisor with Harbor Investment Advisory, LLC, bringing 56 years of industry experience. He has been with Harbor Investment Advisory since 2016. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and business entities by providing investment advisory and brokerage services. The firm employs a combination of quantitative and qualitative analysis, manager due diligence, and third-party technology through Envestnet to manage portfolios across various programs.

John Linsenmeyer is a financial advisor at Girard Advisory Services, LLC with 23 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments, Foreside Fund Services, Wellesley Asset Management, Professional Funds Distributor, and PNC Capital Advisors. Girard Advisory Services, LLC is a fee-only registered investment adviser serving individuals, trusts, estates, charitable organizations, and retirement plans. The firm focuses on asset allocation, diversification, and customized portfolios through a proprietary research process and an Investment Committee, offering specialized strategies and affiliated professional services.

Jessie Willinghan is a financial advisor at Harbor Investment Advisory, LLC with five years of industry experience. She holds the Series 66 designation and has prior experience at T Rowe Price and various roles with Notre Dame of Maryland University and Sage Dining Services. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and businesses by providing investment advisory and brokerage services. The firm combines quantitative and qualitative analysis with manager due diligence and employs third-party technology from Envestnet to manage portfolios across discretionary and non-discretionary programs.

Emily Allison is a financial advisor at Harbor Investment Advisory, LLC with six years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2015 to 2017 before joining Harbor Investment Advisory in 2017. Harbor Investment Advisory, LLC serves individuals—including high-net-worth and ultra-high-net-worth clients—families, family offices, retirement plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, retirement-plan consulting, and brokerage services, utilizing a combination of quantitative and qualitative analysis along with third-party technology for portfolio implementation and monitoring.

Beth Estabrook is a financial advisor with Founders Financial Securities LLC, holding a Series 66 designation and 19 years of industry experience. She has worked at Founders Financial Securities since 2009 and operates Estabrook and Company, a registered DBA since 2008. Outside of her advisory roles, she owns Joyful EIS, LLC, which provides property and casualty insurance services. Founders Financial Securities serves individuals, retirement plan sponsors, trusts, and corporate clients through a network of investment adviser representatives managing approximately $4.1 billion in assets. The firm offers a variety of advisory platforms including managed portfolios, third-party manager access, financial planning, and specialized services such as 1031 exchange consulting.

Stephen Kelly is a financial advisor at Harbor Investment Advisory, LLC with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor since 2012. Kelly serves on the Board of Directors for the Arbor Dog Foundation. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm employs a combination of quantitative and qualitative analysis to develop client-specific asset allocations and selects third-party portfolio managers through discretionary and non-discretionary programs.

Arthur Boykin is a financial advisor at Harbor Investment Advisory, LLC with 15 years of industry experience. He holds the Series 66 designation and has worked at Harbor since 2017, previously spending eight years at Morgan Stanley Smith Barney. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm provides portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs, employing a combination of quantitative and qualitative analysis to create client-specific asset allocations and select third-party portfolio managers.

Peter Murphy IV is a CFA® charterholder with 13 years of industry experience. He has been with Founders Financial Securities LLC and its affiliated entities since 2012. Outside of his advisory role, Murphy serves on the Board of Governors for the Building for God Community Foundation and participates on the investment committee at Calvert Hall College High School. 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 services, financial planning, and retirement consulting through multiple advisory platforms and combines advisory, brokerage, and insurance capabilities within its enterprise model.

Justin Brown is a CFA® charterholder serving as a financial advisor at Greenspring Advisors, LLC with three years of industry experience. Prior to joining Greenspring Advisors, he worked at T. Rowe Price for four years and briefly at Legg Mason. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non-profit organizations, and retirement plans. The firm utilizes fundamental, quantitative, and qualitative analysis with an asset-allocation focus and offers both discretionary and non-discretionary portfolio management alongside comprehensive wealth planning and institutional retirement consulting.

Gary Mitchell is a financial advisor with Sage Financial Group Inc. in Baltimore, MD, holding three years of industry experience. He previously worked for D.F. Dent and Company, Inc. for 20 years before joining Sage Financial Group. Sage Financial Group serves individuals, pension and profit-sharing plans, business entities, trusts, and private fund investors with discretionary and non-discretionary investment management and financial planning. The firm’s investment approach emphasizes fundamental analysis and a long-term purchase orientation, complemented by family office services and a distinctive role advising affiliated private pooled real-estate funds.

David Woolford is a financial advisor with Snowden Capital Advisors LLC in Baltimore, MD, holding Series 63 and Series 65 credentials and possessing 37 years of industry experience. He has worked at Snowden Lane Partners since 2016. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients, offering portfolio management, investment consulting, and financial planning services. The firm utilizes customized model portfolios and third-party manager selection, supporting a diverse range of investment tools and institutional capabilities.

Daniel Mong is a CFP® and holds a Series 65 license with eight years of industry experience. He has been with Greenspring Advisors, LLC since 2017, following a prior role at Silberstein Insurance Group and earlier experience at Bob Bell Chevrolet. Greenspring Advisors serves a diverse client base including individuals, trusts, estates, non-profits, corporations, and retirement plan sponsors, providing private money management, comprehensive wealth management, financial planning, and retirement plan consulting. The firm employs fundamental, quantitative, and qualitative analysis in its investment approach and offers a range of fiduciary and non-fiduciary retirement plan services.

John Halleron is a CFP® professional with 30 years of industry experience, currently serving as an advisor at Harbor Investment Advisory, LLC since 2015. He holds Series 63 and Series 66 licenses and is based in Lutherville, MD. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm combines quantitative and qualitative analysis to develop client-specific asset allocations and selects third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Edward Worthington is a financial advisor at Harbor Investment Advisory, LLC with six years of industry experience. He holds the Series 66 designation and previously worked at United Bank for nine years. Worthington serves as an officer and treasurer of St. Thomas' Episcopal Church and holds multiple director roles in regional nonprofit and equestrian organizations, including the Maryland Million, Ltd. and the Maryland Steeplechase Association. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, and retirement plan consulting. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and selects third-party portfolio managers through discretionary and non-discretionary programs.