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.

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.

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.

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.

Michael Parks is a CFP® with 12 years of industry experience. He is the sole advisor at Upraise Wealth Advisory, LLC and has previously worked at Edward Jones and Fidelity Investments. Upraise Wealth Advisory, LLC is a fee-only registered investment adviser serving individuals and high-net-worth clients with wealth management and project-based financial planning. The firm’s approach combines passive and active strategies focused on asset allocation, fundamental analysis, and due diligence of mutual funds and ETFs, with client accounts reviewed quarterly and tailored to individual goals.

John Persico is the sole advisor at Persico Asset Management in Severna Park, MD. He holds Series 63 and Series 65 licenses and has 4 years of industry experience, alongside 25 years at Peregrine Capital Management, LLC / PERSICO Capital, LLC. Persico Asset Management is a fee-only independent advisory firm managing approximately $90.3 million across 88 client relationships. The firm serves individuals, trusts, estates, small businesses, charitable organizations, and pension or profit-sharing plans, employing a core-and-satellite investment approach with a range of instruments and an explicit pension consulting practice.

Youfeng Jiang is a CFP® and holds a Series 65 license with six years of industry experience. He is the sole advisor at Beyond Profit and Wealth Consulting, an independent firm he founded after positions at Kestra Financial, Offit Advisors, and MuniCap. He also has experience as a self-employed financial professional over the past decade. Beyond Profit and Wealth Consulting serves individuals, businesses, charitable organizations, and retirement plans, offering discretionary investment management, financial planning, employee benefit plan consulting, and tax preparation. The firm emphasizes passive investment strategies with tailored portfolios while providing specialized services in pension and profit-sharing plan advisory.

Charles Ryan is a CFP® professional with 13 years of experience in financial advising. He is affiliated with Atlantic Financial Planning LLC and has a concurrent career at United Airlines since 1998. Atlantic Financial Planning LLC provides fee-only financial planning and investment advisory services to individual and family clients. The firm uses a goal- and risk-based process to recommend target asset allocations, primarily employing a long-term, buy-and-hold strategy with index funds and ETFs, and operates on an hourly engagement model without discretionary trading authority or custody of client assets.

Michael Barnes is a financial advisor at True North Advisory, LLC, an independent registered investment adviser. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to founding True North Advisory in 2020, he was with Tlg Advisors, Inc. from 2013 to 2016. In addition to his advisory work, Barnes serves as a federal police officer with the U.S. Department of Homeland Security and operates a gun safety and permit eligibility training business. True North Advisory serves individual clients, trustees, corporations, and retirement plans, providing investment management, financial planning, retirement-plan consulting, participant education, and hourly consulting. The firm primarily uses third-party model platforms and operates on a non-discretionary, co-advisory basis, with a small client base and a focus on integrating technology such as AI for research and note-taking.

Peter Penoyar is a financial advisor with Meridian Financial Group in Arnold, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Westminster Financial Securities, Inc. since 2004 and has been with Meridian Financial Group since 1997. Meridian Financial Group provides investment management and financial-planning services to individuals, families, trusts, estates, small businesses, and sponsors of defined-contribution plans. The firm employs a conservative, institutionally influenced approach emphasizing strategic asset allocation and global diversification, constructing customized portfolios with a mix of passive and active investment vehicles.

Freddie Cook is the managing member of Cook Wealth Management, LLC in Bowie, MD, with 14 years of industry experience. He holds the PFS™ designation and Series 63 and 66 licenses. Cook also operates Accurate Tax and Accounting Services, where he provides tax preparation, and is involved in insurance sales through Cook Financial Services, LLC. Cook Wealth Management, LLC is an independent advisory firm that offers financial planning and consulting, facilitating access to third-party portfolio managers rather than directly managing client assets. The firm primarily serves high-net-worth individuals and business entities, focusing on evaluating financial situations, recommending outside managers, and monitoring their performance.

David Ballard is a CERTIFIED FINANCIAL PLANNER™ (CFP®) with three years of industry experience, currently serving as the sole advisor at Champion Financial Planning Group, LLC. He has been associated with Champion Planning Group, LLC since 2003. Champion Financial Planning Group, LLC provides discretionary portfolio management and financial consulting primarily to individual and high-net-worth clients, focusing on tailored investment advice and ongoing account supervision. The firm employs a range of investment strategies including individual equities, corporate debt, government securities, ETFs, and mutual funds, supported by fundamental, technical, and cyclical analysis.

Richard Douma Jr. is a CFP® professional with 17 years of industry experience, currently serving at Endeavor Financial Advisors, LLC since 2015. He holds the Series 66 designation and assists clients with tax return preparation as an IRS Enrolled Agent. He is also a part-owner of Fran’s Inn, a family-owned tavern in Chambersburg, PA, where he oversees administrative and financial operations. Endeavor Financial Advisors serves individuals, families, and institutional clients including charitable organizations and pension or profit-sharing plans. The firm provides portfolio management, comprehensive financial planning, and retirement-plan advisory services, using written Investment Policy Statements and a combination of fundamental and technical analysis to manage client portfolios.

I provide divorce planning, ongoing financial planning, and investment management. While my specialty is women going through divorce or other major life transitions, as a woman in a male-dominated industry, and as a female firm-owner in an even more male-predominant group, I want to make sure everyone who has felt excluded from the table is included and welcomed to grow their wealth and their lives. I primarily work virtually from my home in Annapolis. I have three children who astound me every single day. My fun time is spent with them and with friends, getting curious about the world – cooking, discovering new cities, playing on the water and in the woods, volunteering, seeking out live music, and getting to early morning CrossFit workouts. I founded Clairwell to provide a space for women and those who love them to grow and embrace their wealth and the lives they can build for themselves. Let's simplify wealth management and build something beautiful.

Zhi Wang is the sole advisor and owner of Genesis Capital Management, LLC, an independent firm based in Ellicott City, MD. He holds the CFA® designation and Series 63 license, with 12 years of industry experience. Prior to founding his firm, Wang has been associated with OneMain since 2011 and World Financial Group, Inc. since 2003. Genesis Capital Management provides discretionary portfolio management and financial planning to individuals, businesses, and institutional clients, offering balanced and alternative managed-account strategies that utilize proprietary analytical models and option trading techniques.

Joseph Flynn is the sole advisor at Flynn Capital Management LLC in Severna Park, MD, holding Series 63 and Series 66 licenses with 16 years of industry experience. He has operated Flynn Capital Management since 2010 and is also involved in Eastern Shore Beverages LLC, a non-alcoholic beverage company. Flynn Capital Management LLC provides investment supervisory services and one-time financial planning primarily to individual and high-net-worth clients, managing approximately $23 million in assets. The firm uses a combination of charting, fundamental, technical, and cyclical analysis to develop tailored investment strategies and requires clients to use a recommended custodian for trading and account management.

Raul Shah is a financial advisor at DocShah Financial, LLC in Ellicott City, MD, holding a Series 65 designation and with three years of industry experience. He is also the owner of DocShah Goods, LLC, a wholesale business selling products on Amazon, and has been an author for Seeking Alpha since 2017, writing on economics, finance, and stock topics. Additionally, he has engaged in professional baseball since 2017. DocShah Financial provides discretionary asset management, financial planning, and portfolio review services to individuals, high-net-worth clients, trusts, small businesses, and estates. The firm combines fundamental and technical analysis, Monte Carlo simulations, and modern portfolio theory to construct and monitor portfolios, and offers public educational seminars alongside its advisory services.

Christopher Ragsdale is a financial advisor at Piedmont Financial Consulting in Laurel, MD, with six years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Bank of America/Merrill Lynch, Keys Development, and Prudential Financial. Piedmont Financial Consulting serves individuals, high-net-worth clients, and small businesses with financial planning, investment management, and public financial workshops. The firm combines passive investment strategies using index funds and ETFs with comprehensive financial planning and operates as a single-advisor practice.

Mark is a CERTIFIED FINANCIAL PLANNER™ professional located in Edgewater, Maryland. He provides personalized financial planning and investment management services to business owners, federal government employees, and U.S. military service members. As a former federal employee and U.S. Marine, he is familiar with the challenges you face and knows how to help you reach your financial goals. Mark’s personal experiences taught him budgeting skills, saving strategies, and how to invest. He earned undergraduate and graduate degrees in business administration and personal financial planning, which have equipped him with the knowledge and skills to provide comprehensive financial planning and investment management services to his clients.