Philippe Deumaga is a financial advisor at AGIOS Capital LLC with a Series 65 designation and experience spanning several firms since 2013, including AceCore Global and Imperial Investment Holdings. He has worked in the financial industry for over a decade, with roles at mortgage and investment firms prior to his current position. AGIOS Capital LLC is a newly registered Maryland investment adviser that plans to offer discretionary and non-discretionary portfolio management, comprehensive financial planning, and advisory services to retail individuals, high-net-worth clients, institutional clients, and international investors. The firm employs a multi-asset, research-driven approach tailored to each client, incorporating a range of investment vehicles including equities, fixed income, cryptocurrencies, and derivatives.

Stephen Lee is the principal of Lee Financial Group, Inc. in Columbia, MD, and holds the CFP® designation and Series 63 license. He has 45 years of industry experience and has been associated with Raymond James Financial in various capacities since 2004. Outside of financial advising, he is the owner of a law office focusing on wills, trusts, and powers of attorney, and serves on the advisory board for River Hill FBLA, providing student mentoring. Lee Financial Group offers individualized financial planning and wealth management advice to individuals and families, including high-net-worth clients, trusts, and charitable organizations. The firm provides written financial plans through a data-gathering process and offers follow-up consultations, with investment recommendations based on fundamental, technical, and cyclical analysis.

Heath Harris is the principal of Compound Advisory with 19 years of industry experience. He holds Series 65 and Series 66 licenses and has previously worked at Oliver Wealth, Hayden Royal, CITIGROUP, and Wells Fargo Advisors. Compound Advisory LLC, formed in 2024, offers portfolio management services using a multi-method investment approach that includes charting, cyclical, fundamental, quantitative, and technical analysis. The firm provides tailored model allocations and typically seeks discretionary authority without employing third-party managers or wrap fee programs.

Phillip Dyer is a CFP® with 25 years of industry experience and has led Dyer Financial Advisory since 2002. He holds a Series 65 license and operates an independent advisory firm based in Towson, MD. Outside of his advisory role, he is a principal and strategic business consultant at Victory Success System, LLC, a separate business consulting venture. Dyer Financial Advisory is a fee-only registered investment adviser serving individual investors, trusts, estates, charities, and small businesses. The firm emphasizes long-term, buy-and-hold portfolio strategies based on Modern Portfolio Theory, focusing on asset allocation and low-cost index funds, while providing personalized investment management and financial planning services.

Matthew Wyskiel is the sole advisor at Skill Capital Management in Baltimore, MD, holding a Series 63 designation with four years of industry experience. He has been with Skill Capital Management since 2007, serving as its founder and sole owner. Skill Capital Management provides discretionary portfolio management to individual clients, primarily using Vanguard index mutual funds to offer diversified exposure across U.S. and international equities and U.S. investment-grade fixed income. The firm manages separate accounts with standardized model portfolios and rebalances client allocations quarterly.

Patrick Tuma is a CFP® professional with 23 years of experience in financial advising. He has worked at Financial Dimensions, Inc. from 1997 to 2024 and has been the principal of Tuma Financial, LLC since 2016. In addition to his advisory role, he also practices as an accountant, providing services outside the advisory business. Tuma Financial, LLC offers portfolio management and financial planning primarily to individual and high-net-worth clients. The firm uses fundamental analysis and modern portfolio theory for asset allocation and security selection, combining long-term strategies with options trading while maintaining documented risk tolerances and quarterly account reviews.

David Merkel is a CFA charterholder and principal of Aleph Investments, LLC, an independent advisory firm he founded in 2010. He has 15 years of industry experience. Outside of his advisory work, he maintains AlephBlog.com, a website providing educational content for investors since 2007. Aleph Investments manages discretionary portfolios primarily for individual investors, as well as charitable organizations and small pension clients. The firm employs fundamental equity analysis and a risk-conscious fixed income approach, offering strategies including a yield-oriented balanced portfolio and customizable accounts, with features such as hedged equity options and client-imposed ethical restrictions.

Chung Hei Sing is the sole advisor at Applied Derivative Research (ADR) with four years of industry experience. He holds the Series 65 designation and previously worked at Arquitos Capital Management for one year. He serves as a board member of the Maryland Technology Development Corporation, focusing on economic development through early-stage investments. Applied Derivative Research provides discretionary and non-discretionary portfolio management and advisory services to high-net-worth individuals, institutional investors, and pooled investment vehicles. The firm employs a combined bottom-up and thematic top-down investment approach with sustainable and impact-oriented opportunities, offering both strategic asset allocation advice and active portfolio implementation.

John Ciesielski is a CFA® charterholder and Series 63 licensee with four years of industry experience. He has been with R.G. Associates, Inc., an independent firm based in Towson, MD, since 1992. R.G. Associates provides discretionary investment management for individual investors through separately managed accounts, focusing on a bottom-up, value-oriented stock selection process based on fundamental microeconomic analysis and detailed financial reporting. The firm serves clients with concentrated, long-term, long-only portfolios and also offers limited financial analysis consulting for institutional clients.

Kendell Phillip is a financial advisor at Lockstep Financial LLC with five years of industry experience. He holds a Series 65 designation and previously worked at Maverick Trading and Northrop Grumman. Lockstep Financial LLC is an independent advisory firm serving individual and high-net-worth clients with financial planning and discretionary portfolio management. The firm employs a primarily passive investment approach using index funds and ETFs, supplemented by fundamental and technical analysis, and manages held-away assets through third-party platforms.

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.

John Gillick is a CFP® with four years of industry experience currently serving as the sole advisor at Adenry Wealth LLC in Columbia, MD. His prior experience includes roles at Commonwealth Financial Network, Financial Council, Inc., and The Colony Group. Adenry Wealth LLC provides discretionary asset management, financial planning, and an online educational workshop to individuals, small businesses, trusts, estates, and high-net-worth clients. The firm’s investment approach is based on modern portfolio theory, offering customized asset allocation using mutual funds and ETFs, with portfolio reviews that include rebalancing and tax-loss harvesting.

Brian Wee is a CFP® professional with 15 years of industry experience, currently serving as the principal of Homewood Capital Management East LLC since 2017. He previously worked at Homewood Capital Management, Inc. from 2013 to 2018. Outside of his advisory role, Brian is a licensed real estate agent and insurance agent based in Woodbine, MD. Homewood Capital Management East LLC provides portfolio management and financial planning services to individual clients, focusing on long-term, diversified investment strategies grounded in modern portfolio theory. The firm emphasizes documented risk tolerance and time horizons, offering both discretionary and non-discretionary management, with regular portfolio reviews.

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.

Harvey Robinson is a CFA® charterholder with 6 years of industry experience, currently serving as the sole advisor at Robinson Capital Group in Dayton, MD. He has been affiliated with Robinson Capital Group since 2003 and has concurrent roles at Gerson Lehrman Group and Robinson Kirlew & Associates since 2012. Robinson Capital Group is an independent, fee-only investment management firm serving individual and institutional clients, including pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm utilizes a fundamental research process and a value-oriented investment approach, focusing on diversified, risk-adjusted portfolios with discretionary management and formalized investment policies.

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.

John Fremont Smith is the sole advisor at Friends Wealth Management in Ellicott City, MD, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at Ameriprise Financial, Calamos Advisors LLC, and several Prudential entities. He is also a licensed insurance agent. Friends Wealth Management offers portfolio management and comprehensive financial planning for individuals, high-net-worth clients, and business entities. The firm employs a combination of analytic approaches and manages accounts directly, providing both discretionary and non-discretionary services aligned with client-specific investment policies.

Richard Wagener is a CFP® and ChFC® with 51 years of experience in financial advising. He has worked at Raymond James Financial since 2009 and also serves as President of Financial First Advisors, a firm he has been involved with since 1986. He occasionally acts as an insurance agent for life, fixed annuity, disability income, and long-term care products not typically available through Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and governmental entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation, modeling tools, and firm research to develop tailored recommendations.

Melissa Mazard is a financial advisor at Seek the Plan with 13 years of industry experience. She holds the Series 63 and Series 65 licenses and has been involved with several nonprofit and educational organizations, including Junior Achievement and Spark Business Academy, where she supports financial literacy and business education programs. Prior to founding her firm, she worked at Foresters Financial. Seek the Plan provides tailored financial planning and investment advice to individual clients, focusing on education, asset allocation, and comprehensive non-investment planning topics such as tax optimization and cash-flow management. The firm emphasizes a long-term investment perspective, offers financial education seminars, and uses non‑AUM fee structures without holding custody of client assets.

WHO WE SERVE We specialize in working with three types of clients: 🔹 High-Net-Worth Retirees — You've built significant wealth and want a coordinated plan to make it last. We help you design a sustainable, tax-efficient retirement income strategy, optimize Social Security timing, and ensure your assets are structured to support a 30+ year retirement. 🔹 Pre-Retirees (50s–early 60s) — You're in the final years of your career with serious assets and serious decisions ahead. We help you model retirement readiness, execute Roth conversion strategies, and build a transition plan so you retire on your terms. 🔹 High-Earning Professionals (30s–40s) — Your income is strong but your financial picture is complex — equity compensation, rising taxes, multiple accounts, and long-term goals competing for attention. We bring structure and strategy to the complexity. WHAT WE DO We offer fee-only, advice-only financial planning — no products, no commissions, no conflicts of interest. ✅ Retirement Income Design — Building sustainable, tax-efficient withdrawal strategies for 30+ years ✅ Roth Conversion & Tax Planning — Identifying multi-year windows to reduce lifetime tax burden ✅ Equity Compensation Planning — RSUs, ISOs, NSOs, ESPP — timing, taxation, and concentration risk ✅ Portfolio Construction & Risk Management — Evidence-based investing aligned to your goals ✅ Comprehensive Financial Planning — A coordinated, big-picture approach across all areas of your finances WHY WORK WITH US 🔹 Featured in Business Insider, Forbes, Fortune, Investopedia, and U.S. News & World Report. 🔹 No Sales. No Commissions. Just Advice. — Our only priority is your financial success. 🔹 Institutional-Grade Expertise — 10+ years managing $800M+ institutional portfolios before founding Wealthwyzr. 🔹 Complex Topics, Simplified — We translate financial complexity into clear, actionable decisions. 🔹 Fiduciary, Fee-Only — We always act in your best interest, with complete transparency.