Charles Imhoff Jr. is a financial advisor with LaSalle St. Investment Advisors, L.L.C., holding the PFS™ designation and Series 63 license, with 39 years in the industry. He has worked with La Salle St. Securities since 1997 and has extensive experience dating back to his roles at Chesapeake Planning, Inc. and Charles F. Imhoff, P.A./Chesapeake Financial Management Associates, Inc. Outside of his advisory work, he serves as treasurer for The Bettinger-Marshall Foundation and is a trustee and board member of the Shean Family Foundation. LaSalle St. Investment Advisors provides personalized, fee-based financial planning and investment supervisory services to individuals, trusts, estates, pension and profit-sharing plans, charitable organizations, and small businesses. The firm offers both non-discretionary and discretionary management programs, utilizing asset-allocation models and a range of investment vehicles, with a distinctive focus on non-discretionary asset management.

Owen Demmerly is a CFP® and Series 65 licensed advisor at Greenspring Advisors, LLC with nine years of industry experience. He has been with Greenspring Advisors since 2015. Greenspring Advisors serves individuals, trusts, estates, non-profits, corporations, and retirement plan sponsors with services including private money management, comprehensive wealth management, financial planning, and retirement plan consulting. The firm employs a combination of fundamental, quantitative, and qualitative analysis in its investment approach and offers both discretionary and non-discretionary portfolio management.

Jeffrey Bernfeld is a CFP® and holds a Series 65 license with 12 years of industry experience. He has been with Greenspring Advisors, LLC since 2013. Greenspring Advisors serves individuals, trusts, estates, non-profits, corporations, and retirement plan sponsors, offering private money management, comprehensive wealth management, financial planning, and retirement plan consulting. The firm uses fundamental, quantitative, and qualitative analysis combined with asset-allocation and manager due diligence, and provides a notable suite of retirement services including discretionary plan-level management and participant-level advice through its (k)larity Plan™ and (k)larity @ Work™ platforms.

Christina Walters is a CFP® professional with eight years of experience at D.F. Dent and Company, Inc., where she has worked since 2018. She also has four years of prior experience at Croft-Leominster, Inc. Walters is based in Baltimore, MD. D.F. Dent and Company provides discretionary investment management and financial planning services to individual, high-net-worth, and institutional clients. The firm manages approximately $8.6 billion in assets and offers growth-oriented equity strategies across various market capitalizations, alongside fixed-income management and tailored portfolio construction.

Lindsey Young, CFP® is the founder of Quiet Wealth, a financial planning and wealth management firm serving successful LGBTQ professionals and retirees. Lindsey is based in Baltimore, MD and serves clients across the country. Lindsey started Quiet Wealth to provide the comprehensive set of financial advisory services that successful LGBTQ professionals and their families need. Prior to founding Quiet Wealth, Lindsey spent fifteen years in Silicon Valley finance, primarily as an investment banker working on mergers and acquisitions, IPOs, leveraged finance and other transactions for technology companies. She leverages her deep background in finance to help Quiet Wealth clients achieve their goals. She also has extensive experience providing strategic and financial advice to businesses of all sizes in multiple industries. Lindsey received an MBA from Harvard Business School, where she concentrated her studies on finance and entrepreneurial management. She earned her BA from Williams College, where she majored in economics and psychology. Lindsey is an Investment Adviser Representative and is licensed as an insurance Adviser in the State of Maryland. Lindsey is also a CFP® professional, an Enrolled Agent admitted to practices before the IRS, a Tax Planning Certified Professional®, a Certified Exit Planning Adviser® and a member of the Baltimore Estate Planning Council. Lindsey also provides tax preparation services through an affiliated entity, QW Tax Preparation. Lindsey has a long history of advising non-profits. She previously served as the board president of FreeState Justice, the leading statewide LGBTQ advocacy organization in Maryland. She is also a returned Peace Corps volunteer, having served two years in Armenia as a small business advisor. Lindsey is a native of Baltimore, and after a globetrotting career, she is happy to be back home in Maryland. In her free time, she enjoys playing tennis, singing in her church choir, and rooting for her Orioles. Quiet Wealth offers advisory services through XY Investment Solutions, LLC, an SEC-registered investment adviser. Link to disclosures: https://xypnsapphire.com/disclosures

Steven Baker is a financial advisor at G. A. Repple & Company with 28 years of industry experience. He has been with the firm since 1990. Outside of advisory work, he holds a limited membership in a veterinary radiation oncology center. G. A. Repple & Company provides investment advisory and financial planning services to individuals, retirement plans, trusts, estates, and corporate clients. The firm employs various analytical approaches to construct portfolios and offers discretionary and non-discretionary management, third-party asset manager access, and multiple investment programs including an ETF-focused and a Biblically-Responsible Investing model.

Devon Tan is a financial advisor at Founders Financial Securities LLC with one year of industry experience. He holds a Series 66 designation and has previously worked at Ridgley's Services LLC, Amvets Valley Memorial, and Family Meal. Founders Financial Securities serves individual, retirement plan, trust, and corporate clients, managing approximately $4.1 billion in assets through a network of investment adviser representatives. The firm offers a range of advisory platforms, including managed portfolios, financial planning, and 1031 exchange consulting, with investment approaches tailored by its advisors who conduct ongoing client monitoring and serve in various fiduciary roles.

Jordan Weinberg is a CFP® professional with 27 years of experience in the financial services industry. He has been with Founders Financial Securities LLC since 2006 and is also involved with Evergreen Structure Settlement and the Hebrew Free Loan Association of Baltimore, where he serves as a board member. Additionally, Weinberg acts as a trustee for the Parents Life Insurance Trust. Founders Financial Securities serves a diverse client base including individuals, high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of services such as portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing multiple advisory platforms and sub-advisory relationships to deliver customized investment solutions.

Julia Vaughn is a financial advisor at Summit Financial, LLC with 21 years of industry experience. She holds a Series 66 designation and has previously worked at Symphonic Financial Advisors LLC and Symphonic Securities LLC for 12 years. In addition to her advisory role, she is a sole proprietor of the Law Office of Julia S. Rafalko, where she practices estate planning law, and serves as trustee for multiple irrevocable trusts. Summit Financial, LLC is an SEC-registered, multi-team advisory firm managing approximately $26.35 billion in assets for about 17,800 clients. The firm offers a range of investment advisory and portfolio management programs, including discretionary and consultative services, financial planning, retirement plan advisory, and access to alternative investments.

Steven Lim is a CFP® with 11 years of industry experience, currently serving at Founders Financial Securities LLC and Lim Financial Group. He holds the roles of Vice President and Director of Planning at Lim Financial Group and has been involved with Interstate Health Underwriters since 2015. Outside of finance, Lim is a 50% owner, administrator, and senior instructor at a traditional martial arts school, where he teaches classes and manages events. Founders Financial Securities LLC provides investment advisory services to individuals, retirement plan sponsors, trusts, and corporate clients, managing approximately $4.1 billion in assets through a network of 118 advisors. The firm offers a range of advisory platforms and personalized investment approaches, including discretionary portfolio management and specialized services such as 1031 exchange consulting.

Jordan Taylor is a CFP® with 15 years of industry experience, currently affiliated with Founders Financial Securities LLC and Brooks Financial Group LLC. He has worked at Founders Financial Securities since 2010 and at Brooks Financial Group since 2014. Founders Financial Securities serves individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients through a network of registered investment adviser representatives. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement consulting, and a range of brokerage and insurance services, utilizing a variety of investment programs and non-traditional delivery methods.

James Morgan is a CFA® charterholder with four years of industry experience. He is currently with Choreo, LLC and has previously worked at BDO Wealth Advisors and Hefren Tillotson. Choreo provides investment and advisory services to a diverse client base, including individual investors, family offices, endowments, retirement plans, and corporate clients. The firm employs a strategic asset allocation approach with diversified model portfolios overseen by an Investment Committee, offering a range of services from portfolio management to specialized consulting such as 1031 exchange and Deferred Sales Trust™ advice.

Joseph Krcma is a financial advisor at Founders Financial Securities LLC with 28 years of industry experience. He holds Series 63 and Series 65 designations and has been with Founders Financial Securities since 2014. Founders Financial Securities serves individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients through a network of registered investment adviser representatives. The firm offers a range of services including portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing both traditional and non-traditional delivery methods such as subscription-based retirement education and co-advised private wealth solutions.

Benjamin Offit is a CFP® with 17 years of industry experience. He is currently an advisor at Composition Wealth, LLC and has previously worked at Offit Advisors and Clear Path Advisory. Offit is also involved in insurance planning and risk management as an insurance agent and serves as a principal at a tax and accounting firm. Composition Wealth provides investment management, financial planning, and retirement plan advisory services to a wide range of clients, including individuals, trusts, businesses, and charitable organizations. The firm employs a long-term investment approach focused on low-cost, diversified funds, with additional strategies such as options and private investments, and manages approximately $9.47 billion in discretionary assets across a multi-advisor platform.

R. Matthew Novak is a CFP® professional with 20 years of experience in the financial industry. He has worked at Harbor Investment Advisory, LLC since 2014. Outside of his advisory role, Novak serves on the board of directors for the Arbor Dog Foundation. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, retirement plan consulting, and various wrap-fee advisory programs, combining quantitative and qualitative analysis to create client-specific asset allocations and select third-party portfolio managers.

William Schadty is a financial advisor with Harbor Investment Advisory, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He worked at Morgan Stanley Smith Barney for 11 years before joining Harbor Investment Advisory in 2020. Harbor Investment Advisory serves individual and high-net-worth clients, family offices, retirement plans, charitable organizations, and business entities, offering 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, providing both discretionary and non-discretionary services.

Daniel Baker is a financial advisor at Harbor Investment Advisory, LLC with seven years of industry experience. He holds a Series 66 designation and has previously worked at Kestra Financial, Inc., BFG Financial Advisors, Kissinger Financial Services, and Miami University of Ohio. Harbor Investment Advisory, LLC provides investment advisory and brokerage services to individuals, families, family offices, retirement plans, charitable organizations, and business entities. The firm’s investment approach combines quantitative and qualitative analysis, manager due diligence, and third-party technology to manage portfolios across discretionary and non-discretionary programs.

Spencer Reece is a financial advisor at Snowden Capital Advisors LLC with four years of industry experience and holds a Series 66 credential. His prior work includes positions at Merrill and Snowden Lane Partners. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients, offering portfolio management, investment consulting, and financial planning services. The firm utilizes a multi-team approach with a range of investment tools and frequently works with third-party managers to customize client portfolios.

Brian Zabora is a CFA® charterholder with 32 years of industry experience. He is currently with Founders Financial Securities LLC and has prior experience at Lincoln Financial Advisors and Hovde Group, LLC. Founders Financial Securities provides investment advisory services to individuals, retirement plan sponsors, trusts, and corporate clients through a network of IARs managing approximately $4.1 billion in client assets. The firm offers multiple advisory platforms, including managed portfolios and specialized services such as 1031 exchange consulting and co-advised private wealth solutions.

Robert Laubach is a ChFC®-designated financial advisor with Harbor Investment Advisory, LLC, bringing 56 years of industry experience. He has been with Harbor Investment Advisory since 2016. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and business entities by providing investment advisory and brokerage services. The firm employs a combination of quantitative and qualitative analysis, manager due diligence, and third-party technology through Envestnet to manage portfolios across various programs.