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 10 years of industry experience, currently affiliated with Founders Financial Securities LLC and Lim Financial Group. He serves as Vice President and Director of Planning at Lim Financial Group and holds a significant role in a traditional martial arts school as a 50% owner, administrator, and senior instructor. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management and financial planning services, utilizing multiple advisory platforms and sub-advisory relationships to deliver customized investment solutions.

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 with Composition Wealth, LLC and previously worked at Offit Advisors and Kestra Advisory Service LLC. Offit also serves as an insurance agent for Offit Financial, Inc. and is a principal at Offit Advisory Services, LLC, a tax and accounting firm. Composition Wealth is an SEC-registered investment adviser managing approximately $9.5 billion on a discretionary basis. The firm offers investment management, comprehensive wealth planning, and retirement plan advisory services to individuals, trusts, businesses, and broker/dealers, utilizing a multi-advisor platform and a long-term, asset-allocation driven investment approach.

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.

John Linsenmeyer is a financial advisor at Girard Advisory Services, LLC with 23 years of industry experience. He holds a Series 66 designation and has previously worked at PNC Investments, Foreside Fund Services, Wellesley Asset Management, Professional Funds Distributor, and PNC Capital Advisors. Girard Advisory Services, LLC is a fee-only registered investment adviser serving individuals, trusts, estates, charitable organizations, and retirement plans. The firm focuses on asset allocation, diversification, and customized portfolios through a proprietary research process and an Investment Committee, offering specialized strategies and affiliated professional services.

Jay Wilen is a financial advisor at Merit Financial Advisors with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Primerica Advisors and Guardian Life Insurance Co of America. Outside of his advisory role, Wilen serves as an assistant leader for a Boy Scout troop. Merit Financial Group, LLC is an SEC-registered advisory firm managing approximately $10.6 billion and serving a diverse client base that includes individuals, businesses, retirement plan sponsors, and charitable organizations. The firm employs a long-term, diversified investment approach using model portfolios and customizable “sleeves,” with oversight from an Investment Management team and committee.

Jessie Willinghan is a financial advisor at Harbor Investment Advisory, LLC with five years of industry experience. She holds the Series 66 designation and has prior experience at T Rowe Price and various roles with Notre Dame of Maryland University and Sage Dining Services. Harbor Investment Advisory, LLC serves individuals, families, family offices, retirement plans, charitable organizations, and businesses by providing investment advisory and brokerage services. The firm combines quantitative and qualitative analysis with manager due diligence and employs third-party technology from Envestnet to manage portfolios across discretionary and non-discretionary programs.

Wayne Green is a financial advisor with KCD Financial, Inc. based in Elkridge, MD, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior roles include positions at Osaic Wealth, Inc., Securities America Advisors, The Patriot Financial Group, and Verus Capital Partners. Outside of his advisory work, he is an owner and agent of Associates Marketing LLC, where he consults on insurance, estate planning, and precious metals. KCD Financial, Inc. is a registered investment adviser and broker-dealer serving individuals, corporate pension plans, and charitable organizations. The firm employs a variety of analytical methods and investment strategies, offering both advisory and managed account services through third-party platforms.

Sean Reitenbach is a CFA® charterholder with eight years of industry experience. He is affiliated with Prosperity - An EisnerAmper Company and has held roles at DAI Securities, Triad Advisors, Stifel, and T Rowe Price. Reitenbach also serves as a senior investment analyst for The Prosperity Consulting Group. Prosperity - An EisnerAmper Company serves individuals, trustees, estates, retirement plans, and business entities, providing financial planning, portfolio management, and retirement-plan advisory services. The firm emphasizes asset allocation and diversification, offering both discretionary and non-discretionary management through third-party Independent Managers and model portfolios.

Emily Allison is a financial advisor at Harbor Investment Advisory, LLC with six years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley from 2015 to 2017 before joining Harbor Investment Advisory in 2017. Harbor Investment Advisory, LLC serves individuals—including high-net-worth and ultra-high-net-worth clients—families, family offices, retirement plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, retirement-plan consulting, and brokerage services, utilizing a combination of quantitative and qualitative analysis along with third-party technology for portfolio implementation and monitoring.

Abraham Miller is a financial advisor at Verdence Capital Advisors, LLC with one year of industry experience. He holds a Series 66 designation and previously worked at Heritage Financial Consultants and the American Academy of Pediatric Dentistry. Verdence Capital Advisors serves a diverse client base including individuals, businesses, pension and profit-sharing plans, and trusts. The firm provides discretionary portfolio management and financial planning, utilizing fundamental, technical, and cyclical analysis across a range of investment vehicles while also offering specialized advisory services such as family office support and sports and entertainment advisory.

Laura Sendldorfer is a financial advisor at Composition Wealth, LLC with six years of industry experience. She holds the ChFC® designation along with Series 65 and Series 63 licenses. Prior to joining Composition Wealth in 2024, she worked at Kestra Investment Services, Kestra Advisory Services, and Offit Financial. Outside of advising, she serves as president and board member of the Financial Planning Association of Maryland and is a partner in two e-commerce ventures focused on strategic purchasing and pricing decisions. Composition Wealth is a multi-advisor SEC-registered investment adviser managing approximately $9.5 billion in discretionary assets. The firm provides comprehensive wealth management and financial planning services to individuals, trusts, businesses, and retirement plans, utilizing a long-term, asset-allocation driven approach with diversified portfolios constructed from low-cost mutual funds, ETFs, and individual securities.