John Moran is a CFP® with 12 years of industry experience, currently serving as an advisor at Bay Harbor Wealth Management, LLC. He has worked at Bay Harbor since 2014 and has experience with Global Financial Private Capital, LLC. In addition to advisory services, Moran is involved in insurance and annuity sales. Bay Harbor Wealth Management, LLC provides discretionary investment management, financial planning, and retirement plan consulting primarily to individuals, high-net-worth individuals, and trusts. The firm uses a combination of directly managed accounts and third-party managers, implementing risk-based asset allocation strategies across various investment vehicles.

Lance Scott is a financial advisor at Bay Harbor Wealth Management, LLC with 15 years of industry experience. He holds a Series 66 designation and has worked at Bay Harbor Wealth Management and Global Financial Private Capital. Outside of advising, he serves as vice president on the board of his local homeowners association and is involved in thoroughbred horse racing through a family-owned LLC. Bay Harbor Wealth Management, LLC provides discretionary investment management, financial planning, and retirement plan consulting primarily to individuals, high-net-worth individuals, and trusts. The firm employs a risk-based asset allocation approach using a mix of directly managed accounts, model portfolios, and third-party managers, overseeing approximately $337 million for around 385 clients with a four-advisor team.

Sam Beritela is a financial advisor at Sunlight Peaks Financial Partners, LLC with three years of industry experience. He holds a Series 65 designation and has worked at Sunlight Peaks since 2021, following prior roles including a year at WMS Partners and periods of self-employment. Outside of advising, Beritela is involved with Outlier Realty Capital, providing financial and corporate strategy consulting in real estate investment. Sunlight Peaks Financial Partners serves a small, family-oriented client base, typically accredited investors with at least $1 million in investable assets. The firm offers investment consulting, private investment sourcing, and financial planning through a non-discretionary, consultative model focused on buy-and-hold strategic asset allocation and detailed due diligence on private funds.

Eric Schopf is a financial advisor at Mercer Global Advisors Inc. with 24 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for nine years at Tufton Capital Management before joining Mercer in 2025. Mercer Global Advisors provides investment advisory and related planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and other nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory and features globally diversified, risk-appropriate portfolios with multi-factor tilts, regular rebalancing, and tax management where appropriate.

Nicolas Abrams is a CFP® with 26 years of industry experience, currently serving as an advisor at Opulentia, LLC since 2022. Prior to joining Opulentia, he worked at Ameritas Advisory Services for 13 years and has been associated with AJW Financial Partners, LLC for 17 years. Outside of his advisory roles, he is a real estate partner at Trocellus Enterprise, LLC. Opulentia, LLC provides wealth management, financial planning, and consulting services to individuals, trusts, estates, charitable organizations, and select corporate and retirement plan clients. The firm delivers discretionary investment management with customized portfolios that utilize mutual funds, ETFs, and third-party managers, supported by independent strategist models and regular portfolio reviews.

Charles Meyer is a CFA® charterholder with 12 years of industry experience. He is currently with Mercer Global Advisors Inc., having joined after the acquisition of Tufton Capital Management, where he worked for nine years. Tufton Capital Management is a fee-only, discretionary investment adviser managing approximately $810 million in assets, serving individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm employs a value-oriented investment approach focused on large U.S. companies, constructing portfolios across money market instruments, fixed income, and equities with low turnover.

Melissa Miller is a financial advisor at Sovereign Financial Services, LLC in Phoenix, MD, holding a Series 65 designation with 10 years of industry experience. She has been with Sovereign Financial Services since 2010. Outside of her advisory role, she owns Sovereign Insurance Service, where she works as a licensed agent for life, health, home, and auto insurance. Sovereign Financial Services provides comprehensive financial planning and discretionary portfolio management, primarily serving trusts, businesses, and organizations rather than individual retail clients. The firm employs a five-step planning process and emphasizes diversified allocations using low-cost index funds and short- to medium-term fixed income investments, managing approximately $78.2 million in discretionary assets.

Gabriela Miutescu is a CFP® professional with four years of industry experience, currently serving as an advisor at Raskin Global Inc. Prior to joining Raskin Global in 2025, she worked at Raymond James Financial Services and Long Financial Services. She serves as a board member of the Greater Chesapeake Foundation, a charitable organization. Raskin Global Inc. provides discretionary investment management and financial planning to individuals, trusts, estates, and business entities, combining traditional asset management with consulting and litigation-support services. The firm employs SEI asset allocation models and offers a range of portfolio management and financial consulting solutions tailored to its clients.

Vincent Silvestri is a financial advisor with Silvestri Financial and Tax Advisors, Inc. He holds a Series 66 designation and has 12 years of industry experience. His career includes roles at Chesapeake Capital Management, LLC and Sageguard Investment Advisory Services. In addition to advisory services, he manages individual federal and state tax return preparation annually. Silvestri Financial and Tax Advisors provides financial planning, consulting, and tax-related advice to individual and corporate clients, including high-net-worth individuals. The firm recommends third-party portfolio managers, offers insurance products, and hosts educational seminars primarily for retirement-age attendees, focusing on traditional asset classes while placing portfolio management with selected external managers.

Andrew Anthony is a financial advisor at Bay Harbor Wealth Management, LLC with six years of industry experience. He holds a Series 65 designation and previously worked at Bank of New York Mellon from 2015 to 2019. Bay Harbor Wealth Management advises individuals, high-net-worth clients, and trusts with discretionary asset management, financial planning, and retirement plan consulting. The firm’s investment approach focuses on risk-based asset allocation across multiple platforms and third-party managers, with ongoing portfolio monitoring and consolidated reporting for clients.

John Murphy is a financial advisor at Tufton Capital Management, LLC with 29 years of industry experience. He has worked at Tufton Capital Management since 2016 and joined Mercer Global Advisors Inc. in 2025. Murphy serves as a co-trustee for a client trust, acting as an intermediary among co-trustees, portfolio managers, and trust beneficiaries. Tufton Capital Management provides discretionary, fee-only investment management to individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm employs a value-oriented investment approach combining growth and value equities with fixed income and short-term investments, emphasizing low turnover and full investment discretion within client guidelines.

Leonard Raskin is a CFP® and ChFC® with 39 years of industry experience. He is currently with Raskin Global Inc. and has prior experience at Guardian Life spanning 30 years. He is also a member and investor in a software system company called Currence. Raskin Global Inc. provides discretionary investment management and financial planning to individuals, trusts, estates, and business entities. The firm offers portfolio management through SEI-managed programs, co-advisor and third-party manager referrals, and a range of consulting and litigation-support services.

Shawn Miller is a financial advisor at Sovereign Financial Services, LLC in Phoenix, MD, holding Series 63 and Series 65 licenses with 10 years of industry experience. He has been with Sovereign Financial Services since 2010. Sovereign Financial Services provides comprehensive financial planning and discretionary portfolio management primarily for trusts, businesses, and organizations rather than individual retail clients. The firm employs a five-step planning process and emphasizes diversified allocations using low-cost index funds and conservative fixed income instruments, managing approximately $78.2 million in discretionary assets.

Jasmine Lamont is a financial advisor at Opulentia, LLC with three years of industry experience. She holds a Series 65 designation and has previously worked at T. Rowe Price and the Bahá’í Atlantic Region. Opulentia provides wealth management, financial planning, investment and portfolio management, and consulting services to individuals, including high-net-worth clients, as well as trusts, estates, charitable organizations, and certain corporate and retirement plan clients. The firm constructs customized portfolios using mutual funds, ETFs, and third-party managers, emphasizing manager selection and regular portfolio reviews.

Delante Greer is a financial advisor at Opulentia, LLC with four years of industry experience. He holds a Series 65 designation and has worked at American General Life Insurance, GEMC LLC, and Diamond Residential Mortgage Company. Outside of his advisory role, he serves as a site coordinator for Ani Development Group. Opulentia provides wealth management, financial planning, and portfolio management services to individuals, trusts, estates, charitable organizations, and certain corporate and retirement plan clients. The firm utilizes customized portfolios constructed with mutual funds, ETFs, and third-party managers, emphasizing regular monitoring and client reviews.

Brian Silvestri is a financial advisor at Silvestri Financial and Tax Advisors, Inc with five years of industry experience. He holds a Series 65 designation and previously worked at Booz Allen Hamilton for 13 years, where he served as Lead Associate and Project Manager in the Strategic Innovation Group. Silvestri Financial and Tax Advisors provides financial planning, consulting, and tax-related advice to individuals, including high-net-worth clients, and corporate clients. The firm recommends third-party portfolio managers, offers insurance product recommendations, and hosts educational seminars primarily for retirement-age attendees, focusing on tailored financial plans and due diligence through the AssetMark platform.

Ricky Rubin is a CFA® charterholder with 10 years of industry experience. He has worked at Tufton Capital Management from 2016 to 2025 and has been with Mercer Global Advisors Inc. since 2025. Tufton Capital Management is a fee-only, discretionary investment adviser serving individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm employs a value-oriented investment approach focused on large U.S. companies and constructs portfolios across money market instruments, fixed income, and equities with low turnover.

Gary Klaben is a ChFC® with over 32 years of industry experience. He has been with Coyle Financial Counsel, Inc. since 1988 and currently serves as its president. Outside of his advisory role, he is involved in managing several business ventures including a publishing company, business-to-business services, a farm-to-consumer enterprise, and coaching entrepreneurs. Coyle serves individuals, families, retirement plans, trusts, estates, charitable organizations, and other business entities by providing discretionary and non-discretionary asset management, wealth advisory, financial assessment, and project-based services. The firm utilizes a combination of tactical and strategic asset allocation alongside fundamental, quantitative, and technical analysis, offering a range of investment options including individual securities, mutual funds, ETFs, pooled vehicles, and third-party managers.

Alexander Barron is a financial advisor with VSM Wealth Advisory, LLC, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Van Sant and Mewshaw Securities and its related entities since 1992. VSM Wealth Advisory serves individuals, families, trusts, estates, and employee benefit plans by providing discretionary investment management and integrated wealth-advisory services under a fee-only, asset-based model. The firm focuses on asset allocation using index mutual funds and ETFs, incorporates tax-aware strategies, and offers coordinated planning services within its advisory relationships.

Angelo Romano is a CFP® with six years of experience in the financial services industry, currently serving as an advisor at SC&H Wealth. His prior experience includes roles at MECU, ADP, and APGFCU. In addition to his advisory work, he is a licensed insurance agent involved in the sale of insurance-related products. SC&H Wealth serves individuals, trusts, estates, pension and profit-sharing plans, corporations, small businesses, and charitable organizations. The firm employs a team approach combining CPAs and CFP® professionals to provide tailored financial planning, asset management, retirement consulting, and tax preparation services.