William Kauffman is a CFA® charterholder with 7 years of industry experience. He is the sole advisor at Paramount Investments, LLC, which he has been affiliated with since 2013. Kauffman also holds a senior research analyst role at a nonprofit industry center. Paramount Investments is a Maryland-registered, single-advisor firm providing discretionary portfolio management, financial planning, and 401(k) consulting to individuals, high-net-worth clients, legacy trusts, small businesses, and charitable organizations. The firm uses fundamental analysis combined with low-cost mutual funds and ETFs to build customized, long-term portfolios, and it offers features such as performance-based fees and retirement plan participant education.

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.

Myron Howie is a financial advisor at Casi Investments with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Casi Institutional Consulting, Inc. since 2011 and Casi Investments since 1997. He is a principal of Casi, Inc., which includes Casi, Casi Foundation, and Casi Investments, organizations focused on strengthening churches and charitable organizations through long-term sustainability initiatives. Casi Investments primarily serves churches, charitable organizations, and individual clients by providing investment supervisory services, financial planning, tax preparation, and advisory engagements. The firm employs a core-and-satellite investment approach using passive index funds and ETFs combined with actively managed funds, with a focus on documented goals, ongoing monitoring, and global diversification.

Louis Baviello is the principal of Baviello Investment Management, LLC, an independent advisory firm based in Baltimore, MD. He holds Series 63 and Series 65 licenses and has 14 years of industry experience, including prior roles at Great Valley Advisor Group and LPL Financial LLC. In addition to his advisory work, he publishes the Baviello Bulletin, a financial publication offering investment research reports. Baviello Investment Management provides discretionary investment management and financial advisory services to individuals, families, endowments, foundations, and other institutions. The firm employs a value-oriented, bottom-up equity strategy focused on small-to-mid-cap U.S. companies, alongside bond portfolios and mutual fund allocations, tailored to clients’ objectives with flexibility in portfolio construction.

Richard Biniak, Jr. is a financial advisor at RLMS Business Consultants with over 20 years at the firm and four years of industry experience. He holds a Series 65 designation. In addition to his advisory role, he is involved in computer and business consulting activities. RLMS Business Consultants provides discretionary portfolio management and advisory services to individuals, small businesses, and trust funds, with a focus on retirement, college savings, and charitable planning. The firm primarily serves women investors and employs a process combining fundamental analysis and Modern Portfolio Theory to manage portfolios using low-cost ETFs, no-load mutual funds, stocks, and short-dated fixed income instruments.

After a winding path of studying dance, working in theater, and various corporate jobs, Sylvie followed a passion for finance and realized she could offer something unique to support fellow creatives: financial planning and expertise, tailored to the unique lifestyles and demands of a career in the arts. She founded The Financial Grove to help remove the burden of financial worry for creatives in the arts. Through this work, she hopes to enable a newfound freedom of choice in projects, without having to decide based on a feeling of scarcity, or a fear of the unknown. Sylvie believes in the power and utmost significance of storytelling, and has witnessed how ingrained financial trauma, coupled with gaps in literacy, can prevent creatives from making decisions motivated by expression and passion. Her mission is to support storytellers to express their voice authentically.

David Bonnichsen is the sole advisor at Phoenix Financial Engineering, LLC in Baltimore, MD, with 14 years of industry experience. He holds the Series 66 designation and has been with Phoenix Financial Engineering since 2016. In addition to his advisory role, he serves as an adjunct professor. Phoenix Financial Engineering, LLC provides fee-based financial planning and non-discretionary investment management to individuals, high-net-worth clients, and small businesses. The firm constructs tailored portfolios using both fundamental and technical analysis and conducts regular account reviews, while also offering educational seminars and workshops.

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, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Plancorr Wealth Management since 2008 and has operated as a self-employed insurance agent since 1998, dedicating significant time to his independent insurance services. Plancorr Wealth Management provides fee-only financial consulting and personalized planning to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm emphasizes detailed analyses including investment portfolio cost-benefit and risk management, retirement income planning, and insurance reviews, delivering advice through consultations and written reports without taking custody of client assets.

Joseph Valletta is the principal of HR Investment Consultants, Inc. in Baltimore, MD, holding a Series 65 credential with 35 years of industry experience. He has been with HR Investment Consultants since 1994. Outside of advisory services, he co-owns Pension Data Source, Inc., a firm that publishes fee benchmarking data for retirement plans. HR Investment Consultants, Inc. provides specialized retirement-plan consulting to corporations, institutions, and associations with participant-directed plans, focusing on 401(k) and 403(b) sponsors. The firm operates as a solo practice serving a limited client base, offering non-discretionary fiduciary and non-fiduciary consulting services without managing client assets.

Charles Kares is the principal advisor at C.T. Kares Advisory Group, Inc. in Abingdon, MD, holding Series 63 and Series 65 credentials with 11 years of industry experience. He has led his independent advisory firm since 1999. C.T. Kares Advisory Group provides investment advisory services to individuals, retirement plans, trusts, estates, and charitable organizations, managing accounts on a non-discretionary basis. The firm emphasizes long-term, buy-and-hold strategies using predominantly no-load and load-waived mutual funds tailored to each client’s objectives and risk tolerance.

Alan Myers is a CFA® charterholder and Series 63 licensee based in Baltimore, MD, with 23 years of experience at Aerie Capital Management, an independent firm he has been with since 2003. His background is solely with Aerie Capital Management, where he serves as the firm's sole advisor. Aerie Capital Management provides discretionary investment management, financial planning, and retirement-plan consulting to individual clients, high-net-worth households, corporate pension and profit-sharing plans, and charitable organizations. The firm employs a combination of fundamental, quantitative, and technical analysis with a long-term investment approach, managing portfolios primarily of individual stocks and bonds while also utilizing mutual funds, ETFs, and, in some cases, derivative instruments for strategic purposes.

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.

Mark Donnelly is a CFP® and CFA® with 14 years of industry experience. He is the sole advisor at Atlas Sustainable Wealth, LLC, an independent firm based in Baltimore, MD. His prior roles include positions at Beacon Pointe Advisors and AEPG Wealth Strategies. Atlas Sustainable Wealth serves individual clients with portfolio management and comprehensive financial planning, focusing on buying high-quality companies at reasonable prices for long-term holding. The firm offers customized portfolios aligned with clients’ risk tolerance and values, utilizes in-house research, and provides advice on a variety of financial products including employer-sponsored retirement plans and charitable giving.

Stephen Olah is a CFP® and PFS™ credentialed financial advisor with 29 years of industry experience. He is the principal of Towson Financial Advisors, LLC, where he has worked since 2016. In addition to his advisory work, he maintains a CPA practice focused on tax return preparation and consulting. Towson Financial Advisors provides portfolio management and financial planning services to individual and high-net-worth clients, applying modern portfolio theory with a long-term trading approach and managing accounts on a discretionary basis.

Scott Bertozzi is a CFP® professional with 30 years of experience in the financial industry. He has been the principal of Charles Street Asset Management, Inc. since 2012. In addition to his advisory role, he has involvement in various health insurance group plans and non-variable insurance activities. Charles Street Asset Management, Inc. provides portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and corporate entities. The firm manages accounts on a discretionary basis using a range of investment strategies, including mutual funds, equities, bonds, ETFs, insurance products, and more active trading techniques.

Nathaniel Whitman is a financial advisor at The NLW Capital Group LLC in Baltimore, MD, holding a Series 65 designation with five years of industry experience. He also serves as teaching faculty and Student Support Associate at Global Online Academy, where he teaches online courses to high school students. Additionally, he is the part-time Director of Finance at Greenmount School, responsible for the school's long-term financial health. The NLW Capital Group provides investment management, financial planning, and business consulting services to individuals, high-net-worth clients, corporations, and other business entities. The firm manages discretionary, tailored portfolios across various asset classes and offers specialized advisory and business consulting services to institutional clients.

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.

Katherine Strom is a financial advisor at Carroll, Frank & Plotkin LLC with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Carroll, Frank & Plotkin since 2002 while also affiliated with Osaic since 2012. Outside of her advisory role, she serves on the board of the Northwest Chamber of Commerce, where she is secretary and chairs the Women in Business committee. Carroll, Frank & Plotkin offers portfolio advisory services and comprehensive financial planning to individuals and trust accounts, focusing on fundamental analysis and a long-term purchase strategy. The firm supervises client assets managed by third parties and supports clients in selecting and monitoring these advisers.