Colin Rafferty is a financial advisor at Verdence Capital Advisors, LLC with six years of industry experience. His prior work includes roles at Wells Fargo Clearing and Robert Half International. Outside of finance, he works as an Uber Eats driver. Verdence Capital Advisors serves individual clients, businesses, pension and profit-sharing plans, trusts, estates, and independent advisers. The firm employs a combination of fundamental, technical, and cyclical analysis to manage portfolios across various investment vehicles and offers specialized services including family office support, sports and entertainment advisory, OCIO/sub-advisory solutions, and consulting.

Matthew Knudsen is a financial advisor at Greenspring Advisors, LLC with four years of industry experience. He previously worked at T. Rowe Price from 2022 to 2026 and has held positions at Bozzuto Group and Amazon. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non-profit organizations, and employer-sponsored retirement plans. The firm’s investment approach combines fundamental, quantitative, and qualitative analysis with an asset-allocation focus, and it offers services including discretionary portfolio management, comprehensive wealth planning, and institutional retirement plan consulting.

Dale Foard is a financial advisor with Independence Square Holdings, LLC, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at WPG Financial, United Planners' Financial Services of America, and CFG Capital Markets. Independence Square Holdings provides investment advisory, financial planning, pension consulting, and portfolio management services to a diverse client base including individuals, retirement plans, corporations, charitable organizations, and government entities. The firm employs a range of investment strategies and combines in-house portfolio management with third-party manager selections, supported by a substantial digital platform and various ancillary services.

Fred Hill Jr. is a financial advisor at Harbor Investment Advisory, LLC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Harbor Investment Advisory since 2014. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities by providing portfolio management, financial planning, retirement plan consulting, and wrap-fee advisory programs. The firm uses a combination of quantitative and qualitative analysis to tailor asset allocations and select third-party portfolio managers, offering both discretionary and non-discretionary investment programs.

Cherisse Reumont is a financial advisor with First Command Advisory Services in Belcamp, MD, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. Her background includes roles at the Small Business Administration and multiple First Command entities, alongside previous work with Securian Financial Services and Minnesota Life Insurance. Outside of finance, she has worked as a fragrance freelancer for Christian Dior since 2014 and serves as treasurer for Channel of Grace Worship Center, overseeing the church’s financial operations. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporations, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs, delivering investment management through centralized teams and approved third-party managers.

Peter Sorensen is an advisor at HB Wealth with a Series 65 designation and one year of industry experience. Prior to joining HB Wealth, he held roles at Bucknell University, DRD Pool Management, Towson High School, and Dumbarton Middle School. HB Wealth Management is a registered investment adviser serving individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management aligned with clients’ objectives, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

Scott Kelly is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and with 13 years of industry experience. He previously worked at Merrill for four years and Chapin Davis, Inc. for seven years before joining Janney in 2019. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage, financial planning, consulting, and advisory programs, with investment advice delivered through in-house and third-party portfolio management.

Thomas Clark Jr. is a financial advisor at Creative Planning with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Lockton Companies in various capacities from 2006 to 2021. Outside of his advisory role, he consults on software through a separate business, Benetic. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by direct indexing, tax-loss harvesting, and selective private market exposure.

Andrew Caples is a CFP® and holds the Series 65 designation with three years of industry experience. He is currently with Cerity Partners LLC, where he has worked since 2026. Prior to that, he was employed at United Capital Financial Advisors, LLC and Goldman Sachs. Cerity Partners provides customized wealth management and related services to a diverse national client base, including high-net-worth individuals, families, trusts, estates, business entities, and institutional investors. The firm employs tailored asset-allocation, manager selection, and periodic rebalancing, utilizing proprietary quantitative screens alongside third-party managers and individual securities.

Christopher Ozazewski is a financial advisor at Janney Montgomery Scott with 32 years of industry experience. He holds the CFP® designation and Series 63 and 65 licenses. Prior to joining Janney in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors. He also serves as a FINRA arbitrator in Washington, DC, dedicating time to resolving investment-related cases. Janney Montgomery Scott is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, and institutional clients, offering a range of brokerage, financial planning, and advisory services supported by both in-house and third-party portfolio management.

Matthew Rodgville is a financial advisor at CWM, LLC with one year of industry experience. He holds a Series 65 credential. His prior work includes roles at Jacob William Advisory, Assured Partners, and Gorfine, Schiller & Gardyn. He also worked with the Tulane University Athletic Department. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, endowments, corporations, and institutions through a network of over 600 advisors. The firm employs discretionary management using model portfolios overseen by an internal Investment Committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.

Mark Rau is a financial advisor at TIAA-CREF with 22 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2013. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning, discretionary managed account programs, and broker-dealer services to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm’s advisory model separates one-time planning services from ongoing discretionary management and includes management of a donor-advised fund.

Donald Adam is a CFA® charterholder affiliated with TIAA-CREF in Baltimore, MD. He has been with TIAA since 2011 and with TIAA-CREF since 2025, holding a Series 63 license. Adam serves on the investment committee of Archbishop Curley High School, acting as a liaison between the school board and the endowment’s investment manager. TIAA-CREF Individual & Institutional Services, LLC provides financial planning, discretionary managed account programs, and broker-dealer services primarily to individuals with existing relationships through TIAA-administered retirement plans, as well as to trusts, estates, partnerships, and small retirement plans. The firm offers both point-in-time planning and ongoing discretionary management through model and customized portfolios.

Michael Steinhardt is a financial advisor with Kestra Advisory in Baltimore, MD, holding the ChFC® designation and Series 63 and 65 licenses. He has 38 years of industry experience and has been with Kestra Advisory since 2011. Steinhardt is also the owner and president of Clear Path Advisory and has authored a book. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services including fiduciary consulting, plan design, and employee education. The firm serves large institutional investors and provides access to multiple management platforms and third-party managed solutions.

Grant Palmer III is a financial advisor at Mariner with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mariner since 2026. Prior to this, he spent 15 years at Waypoint Wealth Management and has been a partner and shareholder at Callan & Palmer LLP, an accounting firm, since 1988, where he devotes part of his time to CPA practice. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and coordinated tax services. The firm employs customized discretionary portfolios supported by in-house research and third-party managers, with notable integration of tax and accounting capabilities uncommon for a firm of its size.

Jay Schuman is a CFP® with 17 years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, LLC, Connectus Wealth, and Horan Capital Management, LLC. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, high-net-worth families, family offices, retirement plans, institutions, and businesses. The firm employs a long-term, tax- and fee-sensitive investment approach within an enhanced open architecture framework that combines active and passive strategies, separate account managers, private funds, mutual funds, and ETFs.

Michael Crumley III is a Series 66-licensed financial advisor with five years of industry experience. He is currently with Private Advisor Group, LLC and has previously worked at LPL Financial, LLC, SFG Wealth Management, LLC, Synergy Financial Group, and Towson University. Private Advisor Group, LLC serves a diverse client base including individuals, businesses, trusts, estates, and charitable organizations, offering portfolio management, financial planning, and retirement-plan consulting through various programs and third-party asset managers.

Jeffrey Hill is a Series 65-licensed financial advisor with 12 years of industry experience. He has worked at HB Wealth Management, LLC since 2025 and was previously with Wms Partners LLC for 11 years. HB Wealth Management is a registered investment adviser providing wealth management, investment management, and financial planning services to individuals, families, trusts, retirement plans, corporate entities, foundations, family offices, institutional clients, and investment companies. The firm offers discretionary portfolio management aligned with clients’ objectives and risk tolerance, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

James Ryan is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 12 years of industry experience. He has been with SunTrust entities since 2014, including SunTrust Advisory Services and SunTrust Investment Services. Ryan serves on the board of the Ulman Foundation, where he organizes events and volunteers to support young cancer patients and their families. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and manager selection programs, utilizing a combination of discretionary and non-discretionary strategies supported by inter-affiliate resources and AI-enabled research.

Stephen Norris Jr. is a CFP®-certified financial advisor with 14 years of industry experience, currently affiliated with Primerica Advisors in Edgewater, MD. His prior work includes roles at Park Avenue Securities and Guardian Life Insurance Company dating back to 2011. He serves on the Board of Directors for the Towson Chamber of Commerce. Primerica Advisors serves a broad retail client base, offering brokerage and advisory services along with financial and business consulting. The firm employs a mix of proprietary and third-party investment strategies and supports a range of account-level services including lending solutions and donor-advised funds.