Rakael Carr is a financial advisor at IP Financial Advisory Services LLC with one year of industry experience. She holds Series 65 and Series 63 credentials. Prior to joining the firm, she held positions within the University of Maryland Medical System and St. Joseph Medical Center UMMS. Outside of advising, she is a pastor and trustee at Champions of Christ Global Ministries and owns a budgeting and financial literacy business. IP Financial Advisory Services LLC primarily serves individual retail clients, offering portfolio management, financial planning, consulting, and access to third-party managers. The firm focuses on non-high-net-worth investors and retirement plan participants, providing a range of analytical and consulting services including actuarial analysis and tax-efficient portfolio strategies.

Ryan Baldwin is a CFP® with eight years of industry experience. He currently works at Waverly Advisors, LLC and previously held positions at Grant Gross Mendelsohn, Jackson Hewitt Tax Services, Robert Morris University, and Eggcellence, LTD. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm combines traditional equity and fixed-income strategies with alternative and private markets allocations and offers a range of services including financial planning and multi-family office solutions.

Robert Elliott is a financial advisor at RiverFront Investment Group, LLC with seven years of industry experience. He holds a Series 66 designation and has worked at RiverFront and ALPS Distributors in various roles since 2018. Elliott has experience in investment advisory and regional sales leadership. RiverFront Investment Group provides investment management to individual investors, trusts, pension and profit-sharing plans, charitable organizations, and corporations. The firm offers model asset-allocation portfolios through wrap-fee programs and custom portfolio solutions, utilizing a valuation framework combined with tactical asset allocation and risk management across global fixed income and equities.

Margaret Anderson is a financial advisor at Summit Financial, LLC with 24 years of industry experience. She holds Series 63 and Series 66 licenses and worked previously at Symphonic Financial Advisors LLC and Symphonic Securities LLC for 14 years. In addition to her advisory role, she offers insurance products as a broker through various companies, including an affiliated firm. Summit Financial, LLC is a multi-team SEC-registered 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, financial planning, and retirement plan advisory services, utilizing both discretionary and consultative approaches.

Jason Klopman is a CFP® professional with 20 years of industry experience. He has been with XML Financial Group since 2016, following a decade at LPL Financial. Klopman is also an equity member of BR Financial Associates Management Company, LLC, which manages XML Financial, LLC and XML Securities, LLC. XML Financial Group is a multi-advisor wealth management firm overseeing approximately $3.3 billion in client assets. The firm serves nearly 2,900 clients with investment management, financial planning, retirement plan advisory, and access to alternative investments, employing a portfolio approach that combines fundamental and technical analysis with third-party managers.

Byron Moore is a financial advisor with Realta Investment Advisors, Inc in Columbia, MD, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. His prior experience includes positions at Capital One Investing, LLC from 2015 to 2018. He is also the CEO of Sovereign Wealth Management, a fee-based investment advisory and financial planning firm. Realta Investment Advisors offers discretionary and non-discretionary investment advisory services and financial planning for individuals, pension and profit-sharing plans, and institutional clients. The firm emphasizes individualized advice through advisor interviews and employs diversified strategies including mutual funds, ETFs, equities, fixed income, and alternative investments.

Validmir Kats is a financial advisor with Fiduciary Financial Advisors in Baltimore, MD, holding a Series 65 credential and one year of industry experience. His prior roles include positions at Five Doors and Legacy, and he has been involved in business consulting through his private practice. Kats serves on the advisory board of Alchemy of Money and holds a Maryland real estate license. Fiduciary Financial Advisors provides discretionary investment management, financial planning, and legacy position management to individuals, families, trusts, retirement plans, corporations, and charitable foundations. The firm combines strategic asset allocation with tactical adjustments using fundamental, technical, and quantitative analysis, and offers services including individual professional trustee roles and access to private alternative funds.

Scott Wilson is a CFA® charterholder with 10 years of industry experience. He has worked at Heritage Investors Management Corp since 2023 and was previously with Harbour Capital Advisors, LLC for seven years. Heritage Investors Management Corporation provides investment management and financial planning services to a diverse client base, including individuals, institutional accounts, and charitable organizations. The firm focuses on tailored portfolios with diversified holdings and typically employs long-term investment strategies while acting as a fiduciary on retirement rollovers.

Meredith Mowen is a financial advisor at 1919 Investment Counsel, LLC with 21 years of industry experience. She has been with 1919 Investment Counsel since 2003 and holds the Series 65 designation. 1919 Investment Counsel provides discretionary and non-discretionary investment management and wealth-planning services to a diverse client base, including high-net-worth individuals, institutions, and public entities. The firm emphasizes customized portfolios focused on liquid mid- and large-cap equities and investment-grade fixed income, supported by proprietary research and model portfolios.

Bradley Schell is a CFP® with 17 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. and Raymond James Financial Services, Inc. from 2009 to 2026 before joining Concurrent Investment Advisors, LLC and Purshe Kaplan Sterling Investments in 2026. Outside of his advisory roles, he serves as an associate financial advisor through an independent contractor arrangement with Potomac Financial Group. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by a network of approximately 286 advisors serving over 13,000 clients.

Gregory Klingler is a CFP® professional with 23 years of industry experience, currently affiliated with Cape Investment Advisory, Inc. He has worked at American Global Wealth Management, Inc. since 2023 and Cape Securities Inc. since 2010. Klingler holds executive roles at the Government Employee Benefit Association, a nonprofit offering group insurance products, where he serves as COO and Vice President of Wealth Management. He is also a licensed real estate agent with Exit Community Realty. Cape Investment Advisory, Inc. provides portfolio management, financial planning, and advisory services to individuals, businesses, pension and profit-sharing plans, and trusts. The firm employs a client-focused process that incorporates asset allocation plans based on risk tolerance and utilizes a combination of internal portfolio managers, sub-managers, and third-party asset managers.

Craig Johnson is a financial advisor with Cape Investment Advisory, Inc. He holds the Series 66 designation and has experience working at the Government Employees Benefits Association and Transamerica Agency Network. Prior to his advisory roles, he has a background that includes positions at enterprises such as de Lazy Lizard and Seacrets. Cape Investment Advisory, Inc. serves individuals, businesses, qualified pension and profit-sharing plans, IRAs, trusts, and other entities. The firm offers portfolio management, financial planning, and access to third-party and affiliated asset managers, with an investment process that incorporates personal client discussions, risk assessment, and asset allocation informed by historical data and optimization software.

Connor Flach is a financial advisor with Verus Capital Partners, LLC, holding a Series 66 designation and seven years of industry experience. He has worked at LPL Financial, LLC and Securities America Inc., and was previously employed at Loyola University Maryland. Verus Capital Partners is a fee-based investment management firm serving individuals, trusts, pension plans, and estates. The firm combines fundamental and technical analysis with strategic asset allocation and offers customized portfolios across multiple asset classes.

Chris Holcomb is a CFP® professional with 18 years of industry experience, currently serving at Vicus Capital, Inc. He has held roles at Heritage Financial Advisors, LLC and Cetera Wealth Services, LLC. Outside of his advisory work, Holcomb mentors entrepreneurs through SCORE and provides guidance on a customer experience certificate program at Ashland University. Vicus Capital serves a diverse client base including individuals, businesses, trusts, charitable organizations, and retirement plan sponsors. The firm offers investment management, financial planning, and retirement plan consulting, utilizing a combination of fundamental and technical analysis across multiple strategies and providing specialized fiduciary consulting and plan-sponsor services.

Jeffrey Johnson is a CFP® with 17 years of industry experience, currently serving as a financial advisor at Waverly Advisors, LLC since 2025. Prior to joining Waverly Advisors, he spent 20 years at Grant/GrossMendelsohn, LLC. Waverly Advisors is a multi-team registered investment adviser managing portfolios for individuals, retirement plans, and pooled investment vehicles. The firm integrates traditional equity and fixed-income strategies with alternative and private-market allocations, providing both discretionary and non-discretionary portfolio management alongside financial planning and retirement consulting services.

Desislava Locher is a CFA® charterholder with 10 years of industry experience. She has been with 1919 Investment Counsel, LLC since 2011. 1919 Investment Counsel provides discretionary and non-discretionary investment management and wealth-planning services to individual and institutional clients, including high-net-worth individuals, endowments, foundations, pension plans, and public entities. The firm emphasizes customized portfolios with core holdings in liquid mid- and large-cap equities and investment-grade fixed income, supported by proprietary research and model portfolios.

Robert Kantor is a financial advisor with XML Financial Group in Bethesda, MD, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked with XML Financial, LLC since 2004 and XML Securities, LLC since 2019, and was previously with Purshe Kaplan Sterling Investments. Kantor serves as managing partner of BR Financial Associates Management Company, LLC, and volunteers as treasurer for two homeowners associations. XML Financial Group is a multi-advisor wealth management firm overseeing approximately $3.3 billion in client assets. The firm serves nearly 2,900 clients with discretionary and non-discretionary investment management, financial planning, retirement plan advisory, and access to alternative investments.

Patrick Moriarty is a financial advisor at Foundations Investment Advisors LLC with 38 years of industry experience. He has held positions at Foundations since 2019 and previously worked at CETERA Advisor Networks LLC from 2016 to 2019. Outside of his advisory role, Moriarty is also an insurance agent, selling life, annuities, and long-term care insurance. Foundations Investment Advisors, LLC provides financial planning and portfolio management services to a diverse client base, including individuals, high-net-worth clients, retirement plans, and registered investment companies. The firm employs a variety of investment strategies and uses model portfolios combined with discretionary or non-discretionary authority assigned to its representatives.

Christopher Pratt is a CFP® with seven years of industry experience, currently affiliated with Concurrent Investment Advisors, LLC. He has held roles at Purshe Kaplan Sterling Investments, Spire Wealth Management, and Cardinal Wealth Management. Pratt serves on the board of the Lilabean Foundation, providing financial guidance to the nonprofit. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, supported by affiliated sub-advisors and integrated operational tools.

Sean Dillon is a financial advisor with CW Advisors, LLC in Columbia, MD, holding Series 65 and Series 66 licenses and six years of industry experience. He previously worked at Pinnacle Advisory Group, Inc. for 16 years and Congress Wealth Management LLC for five years. CW Advisors serves a diverse client base including individuals, high-net-worth families, charitable organizations, and business entities, offering wealth management, financial planning, family office services, and retirement plan advisory. The firm employs a core-and-satellite investment approach combining active, passive, quantitative, and ESG strategies, and provides sub-advisory and operational outsourcing services to other independent advisers.