John Collins Jr. is a CFP® with 25 years of industry experience, currently serving as an advisor at Greenspring Advisors, LLC since 2004. He is also associated with J.P. Collins and Associates, Inc. Outside of his advisory roles, no additional activities were reported. Greenspring Advisors serves individuals, trusts, estates, non-profits, corporations, and retirement plan sponsors with private money management, comprehensive wealth management, financial planning, and retirement consulting. The firm employs fundamental, quantitative, and qualitative analysis in its investment approach and offers a range of fiduciary and non-fiduciary retirement plan services, including the notable (k)larity Plan™ pooled employer plan and (k)larity @ Work™ platform.

Stephen Thacker is a financial advisor at Verdence Capital Advisors, LLC with 22 years of industry experience. He has been with Verdence since 2017 and previously worked at Hightower Advisors from 2015 to 2017. He holds the Series 63 and Series 65 designations. Verdence Capital Advisors serves a diverse client base, including high-net-worth individuals, business entities, pension and profit-sharing plans, trusts, and charitable organizations. The firm employs a variety of investment strategies based on fundamental, technical, and cyclical analysis and offers specialized teams for family office services, sports and entertainment clients, and sub-advisory consulting.

Sullivan Beck Winter is a financial advisor at Greenspring Advisors, LLC with two years of industry experience. He previously worked at T. Rowe Price and Ameriprise Financial Services, LLC. Outside of finance, his background includes roles in the hospitality and remodeling industries as well as experience in education. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non‑profit organizations, and employer‑sponsored retirement plans. The firm employs a mix of fundamental, quantitative, and qualitative analysis focused on asset allocation, offering portfolio management, comprehensive wealth planning, and retirement consulting.

Edna Kowitz is a financial advisor at Lexaurum Advisors in Owings Mills, MD, with 26 years of industry experience. She holds the ChFC® designation and Series 63 and 65 licenses. Her prior experience includes roles at Summit Financial Group, Northwestern Mutual Investment Management, and her own firm, Kowitz Financial Group. Outside of advisory work, she engages in fixed and traditional insurance, long-term care insurance, and fixed annuity sales. Lexaurum Advisors provides investment management, financial planning, and retirement-plan services to individuals, families, businesses, and institutional clients. The firm employs a multi-advisor team approach and emphasizes diversified portfolios aligned with modern portfolio theory, offering both discretionary and non-discretionary engagements.

Kelly Wright is a financial advisor at Verdence Capital Advisors, LLC with 14 years of industry experience. He holds the CFP® and Series 63 designations and previously worked at Congress Wealth Management LLC and Pinnacle Advisory Group, Inc. He serves on the board of directors for the Financial Planning Association of Maryland. Verdence Capital Advisors serves a diverse client base, including individuals, businesses, and trusts, and offers specialized services such as family office support and sports and entertainment advisory. The firm uses a combined fundamental, technical, and cyclical investment process and provides discretionary portfolio management, financial planning, and sub-advisory solutions.

Fremont Knittle III is a financial advisor at Harbor Investment Advisory, LLC with 16 years of industry experience. He holds the Series 66 designation and has been with Harbor Investment Advisory since 2015. 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 various 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.

Ben Johnson is a financial advisor at Verdence Capital Advisors, LLC with a Series 65 license and one year of industry experience. Prior to joining Verdence, he worked at St. Mary’s College of Maryland and Baltimore County Public Schools. Verdence Capital Advisors serves a diverse client base including individuals, businesses, pension plans, trusts, and independent advisers. The firm employs a multi-faceted investment approach combining fundamental, technical, and cyclical analysis to manage portfolios across various vehicles and provides specialized services such as family office, sports and entertainment advisory, and OCIO sub-advisory solutions.

Leo Kelly IV is a financial advisor at Verdence Capital Advisors, LLC with two years of industry experience. He previously worked at T. Rowe Price for three years and has academic experience at Wake Forest University and Benson University Center. Verdence Capital Advisors serves a diverse client base including individual investors of varying net worth, businesses, pension and profit-sharing plans, trusts, estates, and independent advisers. The firm offers discretionary portfolio management and financial planning through specialized teams with expertise in family office services, sports and entertainment advisory, OCIO/sub-advisory solutions, and consulting engagements.

Rachael Deveau is a financial advisor at Greenspring Advisors, LLC with two years of industry experience. She holds a Series 66 designation and previously worked at Chapin Davis Investments and OrthoMaryland. Outside of her advisory roles, she has volunteered with the Chestnut Ridge Volunteer Fire Company. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non-profit organizations, and employer-sponsored retirement plans. The firm uses fundamental, quantitative, and qualitative analysis with an asset-allocation focus and offers discretionary and non-discretionary portfolio management, comprehensive wealth planning, and retirement plan consulting.

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 at Independence Square Holdings, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at WPG Financial, United Planners' Financial Services of America, and CFG Capital Markets. Independence Square Holdings serves individuals, including high-net-worth clients, retirement plans, and institutional clients through financial planning, portfolio management, and pension consulting. The firm operates as a multi-team adviser with around 40 advisors and offers customized portfolios, model portfolios, and access to third-party managers and advisory programs.

Cameron Leydig is a Series 65-licensed advisor at Verdence Capital Advisors, LLC with three years of industry experience. His background includes roles in diverse sectors such as sports, hospitality, and education, including positions at the Baltimore Ravens and Stevenson University. Verdence Capital Advisors serves a broad client base including individuals, businesses, pension plans, and trusts, offering discretionary portfolio management and financial planning through specialized teams focused on family office services, sports and entertainment advisory, OCIO/sub‑advisory solutions, and standalone consulting. The firm combines fundamental, technical, and cyclical analysis to manage portfolios across various investment vehicles and provides OCIO services and research support to other registered advisers.

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.

Kevin Chandler is a financial advisor at T. Rowe Price Advisory Services, Inc. with three years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Amazon, Securitas Security Services, Howard Community College, Staples, and Abercrombie & Fitch. Outside of his advisory role, he is the CEO and part-owner of A & K Chandler LLC, a consulting business that assists small companies in acquiring federal government contracts. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management primarily for individual investors and households. The firm employs model portfolios invested exclusively in T. Rowe Price funds and uses tax-aware rebalancing and Monte Carlo simulations to deliver tailored retirement plans.

Peter Sorensen is a financial advisor at HB Wealth with one year of industry experience. He holds a Series 65 designation and joined HB Wealth Management, LLC in 2025. His prior work includes positions at Bucknell University and various educational institutions. 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 wealth management, investment management, financial planning, and outsourced chief investment officer services, employing a combination of quantitative and qualitative analysis across public and private investment strategies.

Scott Kelly is a financial advisor at Janney Montgomery Scott in Towson, MD, holding Series 63 and Series 65 licenses with 14 years of industry experience. His prior roles include positions at Merrill and Chapin Davis, Inc. He has been with Janney Montgomery Scott since 2019. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients—including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients—offering brokerage services, financial planning, consulting, and multiple advisory programs.

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.

Matthew Spratt is a Certified Financial Planner (CFP®) with 12 years of industry experience, currently serving as a financial advisor at T. Rowe Price Advisory Services, Inc. since 2014. He holds a Series 66 designation and is based in Owings Mills, MD. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households. The firm’s approach includes goals-based planning, tax-aware portfolio management using proprietary T. Rowe Price mutual funds and ETFs, and employs Monte Carlo simulations for retirement income projections.

Patrick Farrell is a financial advisor with T. Rowe Price Advisory Services, Inc. He holds a Series 66 designation and has 12 years of industry experience. Farrell has been with T. Rowe Price since 2011. T. Rowe Price Advisory Services, Inc. offers a retirement-focused advisory service combining nondiscretionary financial planning, retirement income planning, and discretionary investment management. The firm serves individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, supported by an online planning tool and financial advisor access.