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.

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.

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.

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.

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.

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.

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.

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.

Adewole Odumade is a financial advisor at Riskhedge Analytics, LLC with three years of industry experience. He holds a Series 65 designation and previously worked at the Maryland Insurance Administration for six years. Odumade has been with Riskhedge Analytics since 2019. Riskhedge Analytics, LLC is an independent investment adviser providing discretionary portfolio management and investment consulting to individuals, trusts, investment companies, and pension plans. The firm employs a combination of proprietary quantitative models, fundamental analysis, and a long-term buy-and-hold strategy, with the option of performance-based fees for qualifying investors.

Hi, I’m Liz and I’m a fee-only financial planner. I started Primas Financial Planning to help individuals make financial decisions they feel good about and be confident that those choices will prepare them for the future. As the first in my family to graduate from college, I had to navigate a lot of firsts out of necessity, not choice. Like most of my clients, I didn’t learn about personal finance in school, and I’ve had to make decisions based on the information that was available to me. I’ve been fortunate to have accumulated knowledge through various sources. Some of my financial planning knowledge comes from school and work but a lot of lessons were learned from friends, family, my military community, and by making many, many mistakes. I recognize that not everyone is fortunate enough to have this wealth of knowledge at their fingertips and my goal with Primas FP is to help others have the same financial security and peace of mind. I’m a CERTIFIED FINANCIAL PLANNER™, Chartered Financial Consultant, Accredited Financial Counselor and Enrolled Agent. I’ve been working with clients for over 16 years helping them achieve their goals and build their wealth. First and foremost, I’m a fiduciary which means I’ll always put your interests first. I’ve lived in 9 states and 4 countries and I’ll be joining you virtually from Maryland, but I work with clients all over the United States. When I’m not listening to financial planning podcasts and delighting my husband and daughters with tax lectures, you can find me hiking, kickboxing, trying not kill the plants in my garden and volunteering in my community. I'm looking forward to hearing your life's story. Let's meet!

Shaun Eddy is a CFP® professional with 32 years of industry experience, currently serving at Oxford Planning Group, LLC since 2017. Prior to this, he worked at Strategic Wealth Management Group for 16 years. Oxford Planning Group provides investment advisory services, financial planning, and retirement plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm manages discretionary and non-discretionary accounts and offers customized portfolios using fundamental and technical analysis, with an emphasis on retirement plan consulting and participant education.

Daniel Cohen is a financial advisor at Macroview Investment Management LLC with 23 years of industry experience. He holds a Series 65 designation and has been with Absolute Investment Management, LLC since 2010. Macroview Investment Management serves individuals, corporations, non-profits, and pension and profit-sharing plans with discretionary investment management, financial planning, and retirement plan consulting. The firm uses a top-down, macroeconomic investment approach combined with fundamental, technical, cyclical, and charting analysis to manage diversified portfolios, often incorporating third-party managers when appropriate.

Jeremy Reed is a CFP® professional with 15 years of industry experience, currently serving at GLR Partners in Columbia, MD. His background includes roles at UBS Financial Services, Morgan Stanley, and Black Ink Wealth Management. Outside of advisory work, he is an owner of a real estate business, PRRV Development LLC. GLR Partners provides personalized financial planning and investment advisory services to individuals and entities such as family offices and qualified retirement plans. The firm employs a client-specific investment process focused on fundamental research and offers both discretionary and non-discretionary portfolio management.

Amanda Piper is a CFA® charterholder and holds a Series 66 license with 15 years of industry experience. She has been with Raymond James Financial since 2010 and is also involved with Wagener-Lee, LLC as a financial advisor and owner. Piper operates out of Columbia, MD. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored advice supported by firm research and access to an extensive affiliate network.

Michael Shipley is a CFP®-certified financial advisor with Raymond James Financial in Columbia, MD, bringing 27 years of industry experience. He has been with Raymond James since 2009 and is also associated with Wagener-Lee LLC, where he provides financial and tax planning services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by firm research and a broad affiliate network, emphasizing advisory services with client-directed decision-making.

Endrit Lloshi is a financial advisor with Wealthy & Wise Family Office in Columbia, MD, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. Prior to his advisory career, he worked for five years at Aldo's Restaurant. Wealthy & Wise Family Office provides fee-only wealth management and investment advisory services to individuals, small business owners, professionals, corporations, trusts, estates, and charitable organizations. The firm offers customized discretionary portfolio management and comprehensive financial planning, emphasizing long-term wealth preservation, steady growth, and global diversification.

Timothy Mudd is a financial advisor at Pointer Financial Advisors LLC with 26 years of industry experience. He holds a Series 65 designation and previously worked at Chesapeake Financial Advisors for 24 years before joining Pointer Financial Advisors. Pointer Financial Advisors serves individuals, trusts, estates, charitable organizations, family businesses, and plan sponsors by providing discretionary investment management and bundled wealth management, including financial planning. The firm customizes portfolios based on client objectives and risk tolerances, uses fundamental analysis for security selection, and conducts ongoing account reviews considering factors such as time horizon and tax situation.

Hi, I’m Jeremy Eppley, a fee-only financial planner and investment manager based in Maryland, serving clients virtually across the country. I specialize in helping individuals who have recently received an inheritance use their newfound wealth effectively, as well as helping families who are interested in leaving money to loved ones or charities tax-efficiently. After earning a Bachelor of Science degree in Finance from Towson University, I continued my education, earning a Master of Science in Personal Financial Planning from the College for Financial Planning. Beyond my formal education, I went on to become a CERTIFIED FINANCIAL PLANNER™ professional, a CERTIFIED PRIVATE WEALTH ADVISOR™ professional, a Chartered Financial Analyst™ charterholder, and additionally earned my AIF®, APMA®, CBDA®, CRPC®, and MPAS® designations. We serve young professionals (Gen Z, Gen Y/Millenials, and Gen X), young families, married couples, entrepreneurs, self-employed individuals, ultra high net-worth families, trusts, intergenerational families, baby boomers, entertainment industry professionals, startup founders, business owners, and small businesses. We help our clients with holistic financial planning including: retirement planning, investment planning & management, business planning, wealth management, new wealth planning, income planning, estate planning, charitable giving, portfolio management, home buying, cross-border planning, tax planning, SRI/ESG (Socially Responsible Investing/Environmental, Social and Corporate Governance), and more. We can work on an advice-only basis if desired. As a fee-only fiduciary financial planner, I enjoy helping individuals, families, and businesses by educating, advising, and preparing them for their financial futures. I hope to continue to use what I know to better the lives of others and bolster their financial confidence. I look forward to meeting you and helping you achieve your financial goals. Designations & Degrees: • CFA® – Chartered Financial Analyst™ • CFP® – CERTIFIED FINANCIAL PLANNER™ • CPWA® – CERTIFIED PRIVATE WEALTH ADVISOR™ • AIF® – Accredited Investment Fiduciary™ • APMA® – Accredited Portfolio Management Advisor™ • CBDA® – Certified in Blockchain and Digital Assets™ • CRPC® – Chartered Retirement Planning Counselor™ • MPAS® – Master Planner Advanced Studies™ • B.S., Business Administration & Investments • M.S., Personal Financial Planning

Finnian Devine is a financial advisor at Marks Wealth Management with a Series 65 credential and one year of industry experience. Prior to joining Marks Wealth Management, he worked at Advarra, Inc and Stella Notte. Marks Wealth Management provides comprehensive wealth management and investment advisory services primarily to individual clients and related entities. The firm manages portfolios on a discretionary basis using a global allocation approach that incorporates both fundamental and technical analysis.