Maureen Mcshane is a financial advisor at Capital Investment Management Inc. with 20 years of industry experience. She holds a Series 66 designation and has worked at Capital Investment Management since 2007, following a prior role at H. Beck, Inc. Mcshane is also licensed as an independent insurance agent. Capital Investment Management provides non-discretionary investment supervisory services primarily to individuals and high-net-worth clients, including trusts, estates, IRAs, and 401(k) accounts. The firm’s approach centers on diversified, risk-based allocations implemented mainly through mutual funds and Modern Portfolio Theory, with ongoing client approval of investment actions.

Christopher Shematek is a CFP® and ChFC® with 27 years of industry experience. He has been with Cobalt Financial Partners LLC since 2005, concurrently affiliated with LPL Financial. Outside of his advisory work, he serves as the Business & Economics Department Chair and instructor at Glenelg Country School, where he teaches economics and business courses and supports student-run business projects. Cobalt Financial Partners provides portfolio management and financial planning to individuals, high-net-worth clients, business entities, and pension and profit-sharing plans. The firm focuses on asset allocation, rebalancing, and modern portfolio theory, generally operating on a non-discretionary basis and managing approximately $108 million primarily through mutual funds and ETFs.

Jason Ditto is a CFP® with 27 years of industry experience. He is currently with Ditto & Powers, LLC and previously worked at TriBridge Partners Financial LLC and MASSMUTUAL. At TriBridge Partners, he served as Director of Investments and Financial Planning, developing investment strategies and financial plans. Ditto & Powers, LLC provides financial planning and investment management to individuals, trusts, and high-net-worth clients, as well as corporate-sponsored financial planning and access to third-party manager programs. The firm offers discretionary investment management guided by client-specific asset allocation and conducts due diligence on third-party managers.

Patrick Dyer is a financial advisor with Capital Portfolio Management, Inc. in Timonium, MD, holding Series 63 and Series 65 licenses with 39 years of industry experience. He has been with Capital Portfolio Management since 1991. In addition to his advisory role, Dyer is an independent insurance agent. Capital Portfolio Management, Inc. provides investment advisory and portfolio management services to individual clients, pension plans, and profit-sharing plans. The firm offers tailored asset allocations and both discretionary and non-discretionary management, with portfolios including mutual funds, ETFs, equities, bonds, and preferred securities.

Carroll Smith is a financial advisor at RS Wealth Management, Inc. with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with National Planning Molter since 2009. RS Wealth Management, Inc. is a single-advisor independent firm that provides ongoing portfolio management and integrated financial planning primarily for individual and high-net-worth clients. The firm operates on a non-discretionary basis, requiring client approval for trades, and emphasizes mutual funds and ETFs using both fundamental and technical analysis.

Philip Snyder is the principal of Snyder Asset Management, LLC, an independent registered investment adviser based in Hunt Valley, MD. He holds the CFA® designation and Series 66 license, with 20 years of industry experience. Prior to founding his firm in 2017, he worked at LPL Financial for one year. Snyder Asset Management provides customized wealth management and comprehensive financial planning primarily for individual and high-net-worth clients. The firm offers discretionary portfolio management focused on long-term strategies, combining fundamental and technical analysis to build diversified portfolios that include mutual funds, ETFs, individual securities, and alternative investments.

William Kauffman is a CFA® charterholder based in Lutherville, MD, with seven years of industry experience. He has worked at Asset Strategy Consultants, LLC, and has been with Paramount Investments, LLC for over a decade. In addition to his advisory role, he holds a senior research analyst position at a nonprofit industry center. Paramount Investments is a Maryland-registered, single-advisor firm offering discretionary portfolio management, financial planning, and 401(k) consulting to individuals, high-net-worth clients, legacy trusts, small businesses, and charitable organizations. The firm focuses on customized, long-term portfolios using fundamental analysis and low-cost mutual funds and ETFs, with technical analysis primarily for trade timing, and offers performance-based fee arrangements for qualifying clients.

Peter Mulaikal is the sole advisor at Hansa Investments LLC and holds Series 63 and Series 65 licenses, with 29 years of industry experience. Prior to founding Hansa Investments in 2017, he worked at H. Beck, Inc. for 12 years. He is also a member of Anesthesia Perioperative Services LLC, where he has served as an anesthesiologist since 2005. Hansa Investments LLC provides portfolio management and financial planning for individuals, including high-net-worth clients, and offers pension consulting for employee benefit plans. The firm employs a diverse investment approach incorporating multiple analysis methods and strategies, combining pension consulting with licensed insurance sales within a small independent advisory setting.

Thomas Bonvissuto is a CFP®, CFA®, and ChFC® credentialed advisor with 30 years of industry experience. He founded Intero Financial Planning, LLC in 2019 after previous roles including 18 years at Wilmington Trust Investment Advisors and six years at The Financial Consulate. Additionally, he serves as a trustee for Sheppard Pratt Investment Inc., reviewing investments on a monthly basis. Intero Financial Planning is an independent firm serving individual investors, pension and profit-sharing plans, charitable organizations, and business entities. The firm emphasizes financial planning as the basis for client work and manages portfolios using a range of model allocations, focusing on ETFs and mutual funds with a long-term, U.S.-biased investment approach.

Paul Nastasi is a financial advisor at A. J. Perry & Company, Inc. with 22 years of industry experience. He holds the Series 65 designation and has been with A. J. Perry & Company since 1987. A. J. Perry & Company provides discretionary portfolio management and investment advice primarily to individual clients, including both non-high-net-worth and high-net-worth households, as well as pension plans, charitable organizations, and corporations. The firm’s investment approach focuses on diversified, low-turnover mutual fund allocations tailored to client objectives, with ongoing monitoring and quarterly reviews.

Niall O'Malley is a Series 65-credentialed financial advisor with 20 years of experience at Blue Point Investment Management in Baltimore, MD. He serves on the advisory board of the CFA Society Baltimore and is a member of the investment committees for the Maryland Center for History & Culture and Boys' Latin School of Maryland, volunteering regularly in these roles. Blue Point Investment Management provides discretionary and non-discretionary portfolio management primarily for individuals, trusts, IRAs, endowments, and corporate clients. The firm employs a Growth-At-a-Reasonable-Price (GARP) investment approach within a global, equity-oriented framework emphasizing tax efficiency, diversification limits, and active downside-risk management.

Antoine Orr is the sole advisor at Plancorr Wealth Management, LLC in Nottingham, MD, with 18 years of experience in financial consulting. He holds Series 63 and Series 65 licenses and has been self-employed since 1998, primarily working as an independent insurance agent alongside his advisory practice. Plancorr Wealth Management, LLC provides fee-only financial consulting and personalized planning services to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm emphasizes cost-benefit and risk-management analyses, offering services through consultations and detailed written reports without taking custody of client assets or discretionary trading authority.

Wilson Taliaferro is a financial advisor at Bush River Trust, LLC with 12 years of industry experience. He holds the Series 66 designation and previously worked at Axa Advisors LLC before joining Bush River Trust in 2017. Outside of his advisory role, he serves as a board member for Gunpowder Riverkeeper, Inc., a nonprofit focused on protecting and restoring the Gunpowder River and its watershed. Bush River Trust provides portfolio management and financial planning services to individuals, high-net-worth clients, charitable organizations, and business entities. The firm emphasizes a long-term investment approach based on fundamental analysis, modern portfolio theory, and technical analysis, generally operating on a non-discretionary basis with ongoing client involvement.

Brandon Croxton is a CFP® professional with 20 years of industry experience, currently operating as the sole advisor at BRC Financial Planning. He has held roles at Lombard Securities, Edelman Financial Services LLC, and is part owner of Croxton, Thornton, Hammond LLC. Croxton serves on the board of Stocks in the Future, a nonprofit teaching investment principles to middle school students in underserved communities. BRC Financial Planning is a fee-only independent advisory firm serving individuals, high net-worth clients, employer-sponsored pension and profit-sharing plans, charitable organizations, and businesses. The firm utilizes client-specific investment policies based on modern portfolio theory, combining passive and active strategies primarily through the Betterment platform, and offers pension plan consulting and retirement plan management, including ERISA 3(38) investment management for plan sponsors.

Joseph Valletta is a financial advisor with HR Investment Consultants, Inc. in Baltimore, MD, holding a Series 65 designation and 36 years of industry experience. He has led HR Investment Consultants since 1994. In addition to his advisory role, Valletta is a 50% owner of Pension Data Source, Inc., a company that publishes fee benchmarking data for retirement plans. HR Investment Consultants, Inc. provides retirement plan consulting to corporations, institutions, and associations, focusing on participant-directed 401(k) and 403(b) programs. The firm offers fiduciary and non-fiduciary services such as investment policy development, selection, monitoring, and benchmarking, operating on a non-discretionary basis without managing individual retail portfolios.

Samrang Vattana Hai is a CFA® charterholder and holds a Series 66 license with 17 years of industry experience. He is the principal advisor at Belleros Capital Management, LLC, an independent firm he founded after previous roles at Partnership Wealth Management and Horan Capital Management. In addition to advisory services, he is a licensed insurance agent and dedicates part of his professional time to insurance sales. Belleros Capital Management provides investment advisory and financial planning services to individuals and high-net-worth clients, focusing on tailored asset allocation and discretionary portfolio management. The firm emphasizes aligning investment strategies with clients’ risk tolerance and time horizon, employing various techniques including technical analysis and dollar-cost averaging.

John Berzellini Jr. is a CFP® professional with 22 years of industry experience. He has operated JBA Financial Advisors in Timonium, MD since 2007. Berzellini is also involved in insurance and annuity sales and owns a tax preparation business. JBA Financial Advisors serves individuals, high-net-worth clients, charitable and non-profit organizations, and business entities, providing investment management, financial planning, and advisory referrals. The firm employs a passive investment approach based on Modern Portfolio Theory, using diversified portfolios with a focus on index funds and ETFs for discretionary accounts, while non-discretionary accounts may include individual securities and bonds.

EXPERIENCE & EXPERTISE Mitchell is the founder of Dyer Private Wealth Management & Financial Consults Group, LLC d/b/a Dyer Private Wealth Management, a Registered Investment Advisor in the State of Maryland. Mitchell provides his clients with safe, affordable, and precise solutions to fit their financial needs. Mitchell gained experience from strong mentors and other CERTIFIED FINANCIAL PLANNERS® before branching off to start his own firm. Mitchell works with clients in a caring and thoughtful way, helping them to grow with compassion and understanding. COMPANY MISSION Mitchell's vision of DPWM includes a practice filled with like-minded individuals with the same goal, to assist the community. His client base consists of those who require premium level expertise and the highest level of analytics and attention. As his team and company grows, he ensures the level of integrity and comfort among both clients and employees remains high. His practice was built on passion and love for the industry, coupled with his extensive technical knowledge and care for others. EDUCATION B.S. from Towson University in Molecular Biology, Biochemistry, & Bioinformatics CERTIFIED FINANCIAL PLANNER® Life, Health, Accident, & Sickness Insurance Producer - No Commissionable Products Sold Active FINRA licenses: Series 7 & Series 63 - No Association With Broker Dealer Active NASAA licenses: Series 65 OUR PHILOSOPHY We can utilize our skillset to help others and at our firm that skill relates to financial wellbeing. The community needs experts who can cater to all individuals regardless of their financial status, and we aim to just do that, this means we have no asset minimums. We improve clients finances so they can live fulfilling lives, and we see our job to help them reach that fulfillment. WHY I LOVE DYER PRIVATE WEALTH This firm started from an idea and a passion, and the willingness to aim for something larger than one individual’s goal. It started from the ground up with integrity and belief, coupled with an exceptional financial skillset that has gotten us to where we are today. Our firm, our clients, and our soon to be growing team will all participate in something larger than ourselves with the sole intent of making a positive impact for others along the way.

Michael Granata is the sole advisor at MG Financial Services, an independent firm based in Finksburg, MD. He holds a Series 65 designation and has 4 years of industry experience. Granata also owns and operates an accounting and tax services business outside of his advisory role. MG Financial Services provides discretionary portfolio management and general investment advice to individual investors, trusts, estates, retirement accounts, and business entities. The firm employs a dividend-growth, buy-and-hold investment approach focused on industry-leading companies and integrates tax preparation and accounting services with its client offerings.

Most people spend forty years learning how to save. Then retirement asks them to do the opposite—spend what they saved—and nobody teaches them how. Provision Financial Planning exists for the Dangerous Decade: the five years before and after retirement, when sequence-of-returns risk peaks, decisions become irreversible, and most advisors disengage the moment the 401(k) rollover is done. We work with lifelong savers who did everything right, have no traditional pension, and now need a plan for turning savings into income without running out or overpaying the IRS. Our approach follows three steps: Plan. We map what your life will actually cost—your essential expenses, your discretionary spending, and everything in between. Prepare. We build an income floor that protects your essential expenses from market volatility, matching specific investments to when you'll actually need the cash. Separately, we coordinate multi-year tax strategy—Roth conversions, RMDs, Social Security timing—because we play chess while the IRS plays checkers. Protect. A plan that isn't defended against markets, taxes, health events, and time isn't a plan, it's a hope. We layer strategies so there's no single point of failure, and we stay engaged for the life of the plan, not just the rollover. Founder Robert Lindstrom, CFP®, EA, is one of a small number of advisors who holds both the CFP® and Enrolled Agent designations, putting him at the intersection of retirement planning and tax strategy. As a fee-only fiduciary, Robert is compensated only by his clients—never commissions—so his advice is never for sale. We specialize in coordinating retirement income planning, investment management, and multi-year tax strategy as one integrated system rather than compartmentalized services, because these areas are inextricably linked. We also have particular experience helping people retiring solo, the self-employed, and those navigating a major transition like widowhood or divorce. Based in Towson, Maryland, Provision works in person locally and virtually with retirees nationwide. If you're approaching the Dangerous Decade and want to move from anxious saver to confident spender, we'd welcome the conversation.