Ricky Rubin is a CFA® charterholder with 10 years of industry experience. He has worked at Tufton Capital Management from 2016 to 2025 and has been with Mercer Global Advisors Inc. since 2025. Tufton Capital Management is a fee-only, discretionary investment adviser serving individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm employs a value-oriented investment approach focused on large U.S. companies and constructs portfolios across money market instruments, fixed income, and equities with low turnover.

Gary Klaben is a ChFC® with over 32 years of industry experience. He has been with Coyle Financial Counsel, Inc. since 1988 and currently serves as its president. Outside of his advisory role, he is involved in managing several business ventures including a publishing company, business-to-business services, a farm-to-consumer enterprise, and coaching entrepreneurs. Coyle serves individuals, families, retirement plans, trusts, estates, charitable organizations, and other business entities by providing discretionary and non-discretionary asset management, wealth advisory, financial assessment, and project-based services. The firm utilizes a combination of tactical and strategic asset allocation alongside fundamental, quantitative, and technical analysis, offering a range of investment options including individual securities, mutual funds, ETFs, pooled vehicles, and third-party managers.

Alexander Barron is a financial advisor with VSM Wealth Advisory, LLC, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with Van Sant and Mewshaw Securities and its related entities since 1992. VSM Wealth Advisory serves individuals, families, trusts, estates, and employee benefit plans by providing discretionary investment management and integrated wealth-advisory services under a fee-only, asset-based model. The firm focuses on asset allocation using index mutual funds and ETFs, incorporates tax-aware strategies, and offers coordinated planning services within its advisory relationships.

Angelo Romano is a CFP® with six years of experience in the financial services industry, currently serving as an advisor at SC&H Wealth. His prior experience includes roles at MECU, ADP, and APGFCU. In addition to his advisory work, he is a licensed insurance agent involved in the sale of insurance-related products. SC&H Wealth serves individuals, trusts, estates, pension and profit-sharing plans, corporations, small businesses, and charitable organizations. The firm employs a team approach combining CPAs and CFP® professionals to provide tailored financial planning, asset management, retirement consulting, and tax preparation services.

Patrick Ryan is a Certified Financial Planner® with 10 years of industry experience. He is currently with Cornerstone Advisory and previously worked at Equity Services, Inc. and Worthington Financial Partners. He is also a licensed independent insurance agent. Cornerstone Advisory serves a diverse client base including individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm employs a planning-first investment approach that incorporates probability-based wealth forecasting and manages most client relationships on a discretionary basis, with a focus on both traditional and alternative investments.

Judith Brown is a Certified Financial Planner (CFP®) with 16 years of industry experience. She is a principal at SC&H Group, a parent company of SC&H Wealth, where she has worked since 2022. Prior to that, she held advisory roles at Berman McAleer and Valic Financial Advisors. Outside of her advisory duties, she serves on the Maryland Association of CPAs Personal Financial Planning Committee and holds a Treasurer/Secretary position on her local HOA board. SC&H Wealth is a multi-team registered investment adviser managing approximately $1.23 billion in assets for individuals, trusts, estates, retirement plans, small businesses, and charitable organizations. The firm employs a team-based, planning-driven approach that incorporates tax and estate planning into portfolio construction, primarily using mutual funds and ETFs, and offers discretionary portfolio management alongside retirement plan consulting and tax preparation services.

Justin Linthicum is a CFP® at Financial Consulate with seven years at the firm and five years of industry experience. He previously worked at Offit & Roth, P.A. and Katz, Abosch, Windesheim, Gershman & Freedman, P.A. Financial Consulate serves individuals, retirement plan sponsors, and institutional clients with comprehensive financial planning, investment management, and retirement plan consulting. The firm integrates tax and accounting services with its advisory offerings and employs a proprietary “Risk Opportunity Investing” approach combining tactical asset allocation with fundamental, macroeconomic, and technical analysis.

Christopher Blair is a CFP® with 12 years of experience in the financial services industry. He has been with Van Sant & Mewshaw, Inc. since 2014 and holds a Series 65 license. Blair is based in Hunt Valley, MD, and is part of a five-advisor team at VSM Wealth Advisory, LLC. VSM Wealth Advisory serves individuals, families, trusts, estates, and employee benefit plans by providing discretionary investment management combined with integrated wealth-advisory services on a fee-only, asset-based model. The firm uses an asset-allocation framework primarily with index mutual funds and ETFs and incorporates tax-aware portfolio management techniques alongside personalized indexing and unified managed account structures.

William Sweigart is a Series 66-licensed financial advisor with over 31 years of industry experience. He has worked with Global Brokerage Services, Inc. since 1994 and is also a partner at Johnson & Sweigart, where he is involved in account and tax preparation for individuals and small businesses. Sweigart serves as Vice President of Universal Asset Management, Inc., overseeing affiliated companies. Global Brokerage Services (GBS) serves individual investors, retirement accounts, employee benefit plans, and trusts through advisor-led wrap-fee programs and separately managed account/UMA offerings. The firm combines broker/dealer and investment adviser registrations to provide non-discretionary advice using third-party sub-managers and model portfolios, supported by a six-advisor team.

Jerrin Toomey is a CFP® professional with eight years of industry experience, currently serving as an advisor at SC&H Wealth since 2017. Prior to this, he held roles at Gettysburg College and Overnight Office. Outside of his advisory work, he coaches varsity football at West York Area High School. SC&H Wealth serves a diverse client base including individuals, trusts, estates, and businesses, providing financial planning, asset management, retirement plan consulting, and tax preparation. The firm employs a team approach with CPAs and CFP® professionals to deliver tailored investment strategies, often managing accounts on a discretionary basis using mutual funds and ETFs.

James Francis is a financial advisor at SC&H Wealth with three years of industry experience. He holds a Series 65 designation and has worked exclusively with SC&H Financial Advisors, Inc. since 2021, with prior experience including seasonal roles at Rehoboth Beach Patrol and involvement with Lake Champion - A Young Life Camp. SC&H Wealth is a multi-team registered investment adviser serving individuals, trusts, estates, retirement plans, small businesses, and charitable organizations. The firm employs a team-based, planning-driven approach that incorporates tax and estate considerations into portfolio construction and monitoring, primarily using mutual funds and ETFs.

Edward Hart is a financial advisor at Marathon Capital Management with five years of industry experience. He holds a Series 65 designation and previously worked at Tufton Capital Management, LLC for eight years. Marathon Capital Management provides discretionary portfolio management and integrated financial planning to high-net-worth individuals, trusts, estates, and charitable organizations. The firm follows a long-term, buy-and-hold investment approach focused on growth at a reasonable price, managing client accounts on a discretionary basis with regular portfolio reviews and a fiduciary stance on retirement rollovers.

Thomas Johnson is a financial advisor with Global Brokerage Services, Inc. in Hunt Valley, MD, holding Series 63 and Series 65 licenses and with 38 years of industry experience. He has been with Global Brokerage Services since 1994 and also provides accounting and tax preparation services for individual and business clients through Johnson & Sweigart. Global Brokerage Services serves individual investors, retirement accounts, employee benefit plans, and trusts through advisor-led wrap-fee programs and separately managed account offerings. The firm operates on a non-discretionary basis and combines third-party sub-managers and model portfolios, supported by a six-advisor team and custodial relationships with Hilltop Securities and Envestnet.

Andrew Polcari is a financial advisor at SC&H Wealth in Hunt Valley, MD, holding a Series 65 designation with one year of industry experience. His prior work includes roles outside the financial industry, such as at Wave Riding School and Maryland Athletics. SC&H Wealth is a multi-team registered investment adviser managing approximately $1.23 billion in assets, serving individuals, trusts, estates, retirement plans, small businesses, and charitable organizations. The firm employs a team-based, planning-driven approach integrating tax and estate considerations, with portfolios primarily constructed from mutual funds and ETFs.

Michael Lavina is a financial advisor at Cornerstone Advisory with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cornerstone Advisory since 2015, following two years at Baltimore-Washington Financial Advisors. Lavina also serves as Chief Operating Officer of Outcome Driven Strategies. Cornerstone Advisory provides discretionary portfolio management, financial planning, and pension consulting for a diverse client base including individuals, trusts, charitable organizations, and institutional investors. The firm employs a planning-first approach and integrates traditional and alternative investment strategies, managing approximately $2.25 billion in discretionary assets.

Shane Cavanaugh is a CFP® with nine years of industry experience, currently serving as an advisor at SC&H Wealth. His prior experience includes roles at Bank of America and Merrill. He is associated with SC&H Group, the parent company of SC&H Financial Advisors, which organizes corporate and community activities for employees. SC&H Wealth is a multi-team registered investment adviser managing approximately $1.23 billion in assets. The firm serves individuals, trusts, estates, retirement plans, small businesses, and charitable organizations with a planning-driven approach that integrates tax and estate considerations into portfolio management.

Linda Hickel is a financial advisor at Marathon Capital Management with 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Marathon since 2019, following a 25-year tenure at Baltimore Capital Management, Inc. Marathon Capital Management provides discretionary portfolio management and integrated financial planning primarily to high-net-worth individuals, trusts, estates, and charitable organizations. The firm follows a long-term, buy-and-hold investment approach based on growth at a reasonable price, emphasizing individual security selection and multi-year outlooks.

Michael Wissel is a financial advisor at Howard Capital Management Group, LLC with 24 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Howard Capital Management entities since 2001. Howard Capital Management Group, LLC provides discretionary investment management to high-net-worth individuals, trusts, foundations, endowments, and institutions, managing approximately $2.56 billion in assets. The firm employs fundamental, technical, and cyclical analysis with an emphasis on buy-and-hold strategies while offering access to alternative investments through third-party model portfolios.

Rodney Dir is a financial advisor with The Marshall Financial Group LLC, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. His prior roles include positions at TLG Advisors, Southport Capital, M Holdings Securities, Pacific Capital Strategies, and Crestwood Group. He also maintains a part-time involvement with TLG Advisors as an investment adviser representative. The Marshall Financial Group serves individuals, businesses, pension and profit-sharing plans, and charitable organizations by providing portfolio management, investment analysis, and planning services. The firm offers fee-based asset management using mutual funds, managed stock and ETF accounts, and held-away asset monitoring, with individualized portfolio design based on client objectives and risk tolerance.

Mark Degroat is a CFP® and ChFC® affiliated with SC&H Wealth in Hunt Valley, MD, with 20 years of industry experience. He has worked with several firms including Capital One Financial Advisors and Chevy Chase Financial Services before joining SC&H Financial Advisors in 2018. Degroat is also a licensed insurance agent involved in the sale of insurance-related products. SC&H Wealth is a multi-team registered investment adviser serving individuals, trusts, estates, retirement plans, small businesses, and charitable organizations. The firm employs a team-based, planning-driven approach that integrates tax and estate considerations into asset allocation, with portfolios primarily composed of mutual funds and ETFs and reviewed annually.