Brandon Croxton is a CFP® professional with 20 years of industry experience, currently operating as the sole advisor at BRC Financial Planning. He has held roles at Lombard Securities, Edelman Financial Services LLC, and is part owner of Croxton, Thornton, Hammond LLC. Croxton serves on the board of Stocks in the Future, a nonprofit teaching investment principles to middle school students in underserved communities. BRC Financial Planning is a fee-only independent advisory firm serving individuals, high net-worth clients, employer-sponsored pension and profit-sharing plans, charitable organizations, and businesses. The firm utilizes client-specific investment policies based on modern portfolio theory, combining passive and active strategies primarily through the Betterment platform, and offers pension plan consulting and retirement plan management, including ERISA 3(38) investment management for plan sponsors.

Joseph Valletta is the principal of HR Investment Consultants, Inc. in Baltimore, MD, holding a Series 65 credential with 35 years of industry experience. He has been with HR Investment Consultants since 1994. Outside of advisory services, he co-owns Pension Data Source, Inc., a firm that publishes fee benchmarking data for retirement plans. HR Investment Consultants, Inc. provides specialized retirement-plan consulting to corporations, institutions, and associations with participant-directed plans, focusing on 401(k) and 403(b) sponsors. The firm operates as a solo practice serving a limited client base, offering non-discretionary fiduciary and non-fiduciary consulting services without managing client assets.

Raul Shah is a financial advisor at DocShah Financial, LLC in Ellicott City, MD, holding a Series 65 designation and with three years of industry experience. He is also the owner of DocShah Goods, LLC, a wholesale business selling products on Amazon, and has been an author for Seeking Alpha since 2017, writing on economics, finance, and stock topics. Additionally, he has engaged in professional baseball since 2017. DocShah Financial provides discretionary asset management, financial planning, and portfolio review services to individuals, high-net-worth clients, trusts, small businesses, and estates. The firm combines fundamental and technical analysis, Monte Carlo simulations, and modern portfolio theory to construct and monitor portfolios, and offers public educational seminars alongside its advisory services.

Charles Kares is the principal advisor at C.T. Kares Advisory Group, Inc. in Abingdon, MD, holding Series 63 and Series 65 credentials with 11 years of industry experience. He has led his independent advisory firm since 1999. C.T. Kares Advisory Group provides investment advisory services to individuals, retirement plans, trusts, estates, and charitable organizations, managing accounts on a non-discretionary basis. The firm emphasizes long-term, buy-and-hold strategies using predominantly no-load and load-waived mutual funds tailored to each client’s objectives and risk tolerance.

Alan Myers is a CFA® charterholder and Series 63 licensee based in Baltimore, MD, with 23 years of experience at Aerie Capital Management, an independent firm he has been with since 2003. His background is solely with Aerie Capital Management, where he serves as the firm's sole advisor. Aerie Capital Management provides discretionary investment management, financial planning, and retirement-plan consulting to individual clients, high-net-worth households, corporate pension and profit-sharing plans, and charitable organizations. The firm employs a combination of fundamental, quantitative, and technical analysis with a long-term investment approach, managing portfolios primarily of individual stocks and bonds while also utilizing mutual funds, ETFs, and, in some cases, derivative instruments for strategic purposes.

John Berzellini Jr. is a CFP® professional with 22 years of industry experience. He has operated JBA Financial Advisors in Timonium, MD since 2007. Berzellini is also involved in insurance and annuity sales and owns a tax preparation business. JBA Financial Advisors serves individuals, high-net-worth clients, charitable and non-profit organizations, and business entities, providing investment management, financial planning, and advisory referrals. The firm employs a passive investment approach based on Modern Portfolio Theory, using diversified portfolios with a focus on index funds and ETFs for discretionary accounts, while non-discretionary accounts may include individual securities and bonds.

EXPERIENCE & EXPERTISE Mitchell is the founder of Dyer Private Wealth Management & Financial Consults Group, LLC d/b/a Dyer Private Wealth Management, a Registered Investment Advisor in the State of Maryland. Mitchell provides his clients with safe, affordable, and precise solutions to fit their financial needs. Mitchell gained experience from strong mentors and other CERTIFIED FINANCIAL PLANNERS® before branching off to start his own firm. Mitchell works with clients in a caring and thoughtful way, helping them to grow with compassion and understanding. COMPANY MISSION Mitchell's vision of DPWM includes a practice filled with like-minded individuals with the same goal, to assist the community. His client base consists of those who require premium level expertise and the highest level of analytics and attention. As his team and company grows, he ensures the level of integrity and comfort among both clients and employees remains high. His practice was built on passion and love for the industry, coupled with his extensive technical knowledge and care for others. EDUCATION B.S. from Towson University in Molecular Biology, Biochemistry, & Bioinformatics CERTIFIED FINANCIAL PLANNER® Life, Health, Accident, & Sickness Insurance Producer - No Commissionable Products Sold Active FINRA licenses: Series 7 & Series 63 - No Association With Broker Dealer Active NASAA licenses: Series 65 OUR PHILOSOPHY We can utilize our skillset to help others and at our firm that skill relates to financial wellbeing. The community needs experts who can cater to all individuals regardless of their financial status, and we aim to just do that, this means we have no asset minimums. We improve clients finances so they can live fulfilling lives, and we see our job to help them reach that fulfillment. WHY I LOVE DYER PRIVATE WEALTH This firm started from an idea and a passion, and the willingness to aim for something larger than one individual’s goal. It started from the ground up with integrity and belief, coupled with an exceptional financial skillset that has gotten us to where we are today. Our firm, our clients, and our soon to be growing team will all participate in something larger than ourselves with the sole intent of making a positive impact for others along the way.

Mark Donnelly is a CFP® and CFA® with 14 years of industry experience. He is the sole advisor at Atlas Sustainable Wealth, LLC, an independent firm based in Baltimore, MD. His prior roles include positions at Beacon Pointe Advisors and AEPG Wealth Strategies. Atlas Sustainable Wealth serves individual clients with portfolio management and comprehensive financial planning, focusing on buying high-quality companies at reasonable prices for long-term holding. The firm offers customized portfolios aligned with clients’ risk tolerance and values, utilizes in-house research, and provides advice on a variety of financial products including employer-sponsored retirement plans and charitable giving.

Stephen Olah is a CFP® and PFS™ credentialed financial advisor with 29 years of industry experience. He is the principal of Towson Financial Advisors, LLC, where he has worked since 2016. In addition to his advisory work, he maintains a CPA practice focused on tax return preparation and consulting. Towson Financial Advisors provides portfolio management and financial planning services to individual and high-net-worth clients, applying modern portfolio theory with a long-term trading approach and managing accounts on a discretionary basis.

Scott Bertozzi is a CFP® professional with 30 years of experience in the financial industry. He has been the principal of Charles Street Asset Management, Inc. since 2012. In addition to his advisory role, he has involvement in various health insurance group plans and non-variable insurance activities. Charles Street Asset Management, Inc. provides portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, charitable organizations, and corporate entities. The firm manages accounts on a discretionary basis using a range of investment strategies, including mutual funds, equities, bonds, ETFs, insurance products, and more active trading techniques.

Nathaniel Whitman is a financial advisor at The NLW Capital Group LLC in Baltimore, MD, holding a Series 65 designation with five years of industry experience. He also serves as teaching faculty and Student Support Associate at Global Online Academy, where he teaches online courses to high school students. Additionally, he is the part-time Director of Finance at Greenmount School, responsible for the school's long-term financial health. The NLW Capital Group provides investment management, financial planning, and business consulting services to individuals, high-net-worth clients, corporations, and other business entities. The firm manages discretionary, tailored portfolios across various asset classes and offers specialized advisory and business consulting services to institutional clients.

Most people spend forty years learning how to save. Then retirement asks them to do the opposite—spend what they saved—and nobody teaches them how. Provision Financial Planning exists for the Dangerous Decade: the five years before and after retirement, when sequence-of-returns risk peaks, decisions become irreversible, and most advisors disengage the moment the 401(k) rollover is done. We work with lifelong savers who did everything right, have no traditional pension, and now need a plan for turning savings into income without running out or overpaying the IRS. Our approach follows three steps: Plan. We map what your life will actually cost—your essential expenses, your discretionary spending, and everything in between. Prepare. We build an income floor that protects your essential expenses from market volatility, matching specific investments to when you'll actually need the cash. Separately, we coordinate multi-year tax strategy—Roth conversions, RMDs, Social Security timing—because we play chess while the IRS plays checkers. Protect. A plan that isn't defended against markets, taxes, health events, and time isn't a plan, it's a hope. We layer strategies so there's no single point of failure, and we stay engaged for the life of the plan, not just the rollover. Founder Robert Lindstrom, CFP®, EA, is one of a small number of advisors who holds both the CFP® and Enrolled Agent designations, putting him at the intersection of retirement planning and tax strategy. As a fee-only fiduciary, Robert is compensated only by his clients—never commissions—so his advice is never for sale. We specialize in coordinating retirement income planning, investment management, and multi-year tax strategy as one integrated system rather than compartmentalized services, because these areas are inextricably linked. We also have particular experience helping people retiring solo, the self-employed, and those navigating a major transition like widowhood or divorce. Based in Towson, Maryland, Provision works in person locally and virtually with retirees nationwide. If you're approaching the Dangerous Decade and want to move from anxious saver to confident spender, we'd welcome the conversation.

Katherine Strom is a financial advisor at Carroll, Frank & Plotkin LLC with 14 years of industry experience. She holds Series 63 and Series 65 credentials and has been with Carroll, Frank & Plotkin since 2002 while also affiliated with Osaic since 2012. Outside of her advisory role, she serves on the board of the Northwest Chamber of Commerce, where she is secretary and chairs the Women in Business committee. Carroll, Frank & Plotkin offers portfolio advisory services and comprehensive financial planning to individuals and trust accounts, focusing on fundamental analysis and a long-term purchase strategy. The firm supervises client assets managed by third parties and supports clients in selecting and monitoring these advisers.

Kristopher Hallengren is the principal of KRH Investments, LLC and holds a Series 65 designation with 15 years of industry experience. He has been associated with KRH Investments since 2010 and also serves as a director at Weyrich, Cronin & Sorra, a firm specializing in business valuation and forensic accounting, where he is involved in litigation testimony and business valuation. KRH Investments, LLC provides financial planning and discretionary investment management primarily to individual clients, emphasizing value-based fundamental analysis combined with client-specific investment policies and a quarterly review process. The firm integrates a conflict management policy and promotes the use of low-cost execution platforms and directed brokerage arrangements.

Samuel Erdman is a CFP® with 17 years of industry experience and serves as the sole advisor at Anchor Wealth Advisors, LLC. He previously worked at Ronald Blue & Co. and Ronald Blue Trust from 2007 to 2019. Outside of his advisory role, he is the Finance Manager of Smithouse Construction, LLC, a financial management position unrelated to investment advising. Anchor Wealth Advisors, LLC is an independent registered investment adviser serving individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporations. The firm offers portfolio management, comprehensive financial planning, corporate consulting, and educational seminars, employing a primarily passive investment approach using low-cost index funds, separately managed accounts, and direct-indexing strategies.

Ganiyu Raji is the president and managing member of Equatorial Advisors, LLC, an independent advisory firm based in Baltimore, MD. He holds Series 63 and Series 65 licenses and has 29 years of industry experience. Prior to founding Equatorial Advisors and its affiliated entities in 2003, Raji has also been associated with The Leaders Group Inc since 2010. In addition to his advisory role, he serves as chairperson of the Maryland Land Title Association board of directors and is involved in insurance product sales through Equatorial Insurance LLC. Equatorial Advisors, LLC serves individual and institutional clients, providing investment supervisory services, financial planning, and access to a hybrid robo-advisory platform. The firm manages accounts on a discretionary basis using a combination of analytical methods and strategies, and clients interact with an automated interface overseen by the advisor.

Colin Exelby is a financial advisor at Celestial Wealth Management in Towson, MD, holding CFP® and Series 66 designations with 26 years of industry experience. He has worked at Celestial Wealth Management since 2009, including founding the firm in its current independent form in 2020, and previously spent time at Armstrong Dixon and LPL Financial. Exelby also operates as an independent insurance producer specializing in life insurance and fixed annuities. Celestial Wealth Management serves individuals, high-net-worth clients, and employee benefit plans with discretionary investment management, financial planning, and pension consulting. The firm combines quantitative and qualitative research methods to manage client assets across diverse investment vehicles and distinguishes itself by acting as a wrap-fee program sponsor on LPL’s SWM II platform while offering educational content and pension participant education.

Brandon Barrett is a financial advisor at Elbrus Partners, LLC in Baldwin, MD, with 14 years of industry experience. He holds a Series 66 designation and has worked at Kissinger Financial Services, LLC and Mmhk LLC. Outside of advising, he manages operations of an apartment complex in Baltimore, MD. Elbrus Partners is a small SEC-registered investment adviser managing about $11.2 million for approximately 22 individual and high-net-worth clients. The firm uses a global tactical asset allocation approach combined with fundamental and quantitative analysis, and incorporates derivatives and short-selling strategies within its managed asset program.

A Maryland native, Kerrie describes her work as, “a bit of a love letter to all the people and movements who made it possible to be here.” After graduating from Stanford University, Kerrie started her career in business with a focus on client management and operations at Yahoo!, ClearCompany, and MD Energy Advisors. These early positions revealed her strong mentoring abilities and interests in career development. Kerrie honed these skills in her following positions as Director of Student Entrepreneurship at Johns Hopkins University and Chief Revenue Officer at Invanti, a startup studio and fund focused on supporting pre-idea founders to develop sustainable business ventures seeking to impact kitchen table problems. In 2020, after two successive experiences of personal loss, the start of the COVID-19 pandemic, and the country’s short-term, non-curative responses to state-sanctioned murder of Black bodies, Kerrie had reached a critical juncture. She wanted a career that would allow her to give the best of herself to something that was truly making a difference. As Kerrie puts it, “some people learned to bake bread – no disrespect to sourdough starters – I learned financial planning.” With a Certificate in Financial Planning from Howard University, she transformed a hobby of mentoring co-workers into Equip Advisory. Kerrie’s greatest skill is her ability to listen and understand what you are trying to do and translate that into a concrete plan. She believes that impact at this individual level is what allows underserved communities to build wealth and effect change.

Marcie Flynn is a financial advisor with Monarch Financial, LLC in Fallston, MD. She holds Series 65 and Series 66 designations and has six years of industry experience, including three years at Morgan Stanley Smith Barney LLC. Monarch Financial LLC offers wealth management, discretionary investment management, and financial planning to individuals, high-net-worth clients, trusts, and estates. The firm primarily constructs portfolios using ETFs, mutual funds, individual stocks, and bonds, following a long-term approach that incorporates both fundamental and technical analysis.