Hi, I'm John! I’m from Severna Park, Maryland, where I grew up surrounded by my family. My childhood taught me the value of family and instilled in me the desire to form meaningful partnerships with my clients. I aspire to be a dependable guide, a trusted thinking partner, or even just a friendly ear whenever a client wants to discuss their financial life. I try to maximize everyday by waking up before the sun rises (to the dismay of my wife, Courtney) and getting in a workout and some reading time before starting my work day. I consider myself to be an avid health enthusiast. I specialize in providing personalized financial advice and education to help clients achieve their life goals by first really getting to know them, prior to digging into the numbers! My mission is to help clients define their "why" and then work with them to align their spending with their values with a tax-conscious, intentional savings and investing plan in order to optimize their money and reduce their financial worry.

Paul Mianulli is a CFP® with 17 years of experience in financial advisory. He is the sole advisor at Total Return Capital and has worked with HD Vest Insurance Agency, HD Vest Advisory Services, and HD Vest Financial Services since 2014. In addition to his advisory work, he owns and operates Linthicum Tax Service, a tax preparation and accounting business. Total Return Capital provides discretionary portfolio management and financial planning for individuals, family offices, trusts, estates, and small businesses. The firm employs a range of investment strategies, including fundamental and technical analysis, and manages all assets internally while offering tailored financial plans and quarterly account reviews.

Collin Toal is a financial advisor at RCS Financial Planning, LLC in Annapolis, MD, holding a Series 65 designation. He began his career at RCS Financial Planning in 2026 and has prior experience in the fitness industry. RCS Financial Planning offers portfolio management, comprehensive financial planning, ongoing subscription planning, and pension consulting for individuals, high-net-worth clients, and retirement plans. The firm applies modern portfolio theory with evidence-based mutual funds and maintains individualized Investment Policy Statements to guide discretionary portfolio management.

Laura Walsh is a financial advisor at Theus Wealth Advisors with 11 years of industry experience. She holds a Series 65 designation and has worked at Marathon Financial Group, LLC since 2014 while also maintaining a long-standing role at Walsh & Company, P.A. since 1997. Theus Wealth Advisors is a small supported advisory firm serving individual and high-net-worth clients through personalized financial planning and consulting. The firm acts as a co-advisor to third-party asset managers, focusing on mutual funds and exchange-traded funds, and offers educational seminars and workshops as part of its client outreach.

Kenneth Hockycko is a financial advisor at Dauntless Advisory, LLC with one year of industry experience. He holds a Series 65 designation and served in the U.S. Navy for 24 years before transitioning to financial advisory and consulting. Outside of financial services, he operates Hockycko Consulting, LLC, which advises firms on military operations, government relations, and leadership. Dauntless Advisory, LLC provides discretionary portfolio management and integrated financial planning to individuals, high-net-worth clients, and charitable organizations, tailoring strategies based on client goals and risk tolerance. The firm employs a combination of cyclical and fundamental analysis, modern portfolio theory, and quantitative tools, and offers access to specialized investment strategies through subadvisers.

William Schwarz is a financial advisor at Dauntless Advisory, LLC with 12 years of industry experience. He holds Series 63, 65, and 66 licenses and previously worked at Citi Global Markets for 11 years before operating as a self-employed advisor. Dauntless Advisory provides discretionary portfolio management and integrated financial planning to individuals, high-net-worth clients, and charitable organizations. The firm uses a combination of cyclical and fundamental analysis, modern portfolio theory, and quantitative tools, and offers access to strategies involving leverage and short selling through a subadviser.

Nicole Mulea is a Series 65-credentialed advisor with CovingtonAlsina, bringing three years of industry experience. She has been with the firm since 2021. Outside of advisory work, she is an independent licensed insurance agent. CovingtonAlsina serves individuals, high-net-worth clients, and pension or profit-sharing plans by providing discretionary portfolio management, financial planning, and pension consulting. The firm uses fundamental analysis and modern portfolio theory to inform investment decisions and offers services including tax preparation through an in-house CPA and customized financial planning.

David Bauer is a CFP® certificant at Cassilly Financial with two years of industry experience. He previously worked at Northwestern Mutual and has been with Cassilly Financial since 2021. Cassilly Financial serves individual clients, pension and profit-sharing plans, and charitable organizations, providing discretionary portfolio management, financial planning, and pension consulting. The firm primarily manages accounts through model portfolios and third-party money managers, utilizing fundamental, cyclical, and modern portfolio theory in its investment approach.

Raymond Hobson is a CFP® with over 31 years of industry experience. He is currently with HF Advisory Group, LLC, where he has worked since 2020. His prior experience includes roles at the Institute For Wealth Management LLC, Institute for Wealth Advisors, and Broker Dealer Financial Services Corp. Outside of advisory work, he is involved in independent insurance sales. HF Advisory Group provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm utilizes modern portfolio theory and combines long- and short-term trading strategies, serving roughly 402 client relationships with approximately $250 million in discretionary assets under management.

Justin Roudiez is a CFP® and ChFC® with 16 years of industry experience. He is currently with White Oak Wealth Management, operating under Oakmont Wealth Advisory, where he has worked since 2019. His prior experience includes roles at Northwestern Mutual Wealth Management Company and affiliated entities from 2008 to 2017. Oakmont Wealth Advisory, doing business as White Oak Wealth Management, provides discretionary portfolio management, financial planning, and retirement plan consulting to individuals, trusts, estates, and charitable organizations. The firm employs a range of investment vehicles and strategies, including borrowing and derivatives within separately managed accounts, and integrates financial planning with portfolio management.

Stephen James is a CFP® professional with 39 years of industry experience. He is currently with Severn Financial Advisors, LLC, where he has worked since 2009, and has prior experience at Commonwealth Financial Network and Cambridge Investment Research Advisors. Severn Financial Advisors, LLC provides financial planning and consulting services to individuals, families, businesses, trusts, and estates, focusing on tailored written or verbal plans developed through a detailed fact-finding process using third-party planning tools. The firm offers fixed-fee and hourly planning engagements and does not provide discretionary asset management or custody of client assets.

John Holtzman is a CFP® with 33 years of industry experience, currently serving as a financial advisor at Foundation Financial Advisors, Inc. since 1997. He is also associated with Commonwealth Financial Network over the same period. Foundation Financial Advisors provides financial planning and consulting primarily to individual clients, focusing on comprehensive planning and portfolio analysis without discretionary investment management. The firm offers a range of services including investment analysis, income tax planning, risk management, and estate and retirement planning, and uses fixed or hourly fees rather than percentage-based asset management charges.

David Sheiman is a CFA® charterholder with four years of industry experience. He has been with The Ellerson Group Inc in Annapolis, MD since 2014. The Ellerson Group provides investment supervisory services and comprehensive financial planning to individuals, high-net-worth clients, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm emphasizes strategic asset allocation with a core-and-satellite approach and global diversification, utilizing a variety of investment vehicles including mutual funds, ETFs, individual securities, and options.

Samuel Mc Kee is a Series 65-licensed financial advisor with Accordant Advisory Group, Inc. in Annapolis, MD, with one year of industry experience. Prior to his current role, he has worked in various non-financial roles including as a part-time bartender at City Tap House. Accordant Advisory Group provides investment advice and planning services to individuals, retirement plan sponsors, charitable organizations, and corporations. The firm employs a combination of fundamental and technical analysis with customized long- and short-term strategies, managing portfolios consisting of individual stocks, ETFs, mutual funds, fixed income securities, and fee-based index annuities.

Melissa Frawley is a financial advisor with Annapolitan Investment Group, Inc. in Annapolis, MD, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has worked with Raymond James Financial since 2009 and has been involved with Annapolitan Investment Group since 2005. Outside of her advisory roles, she is president of Annapolitan Investment Group LLC, an independent contractor support company. Annapolitan Investment Group provides customized financial and retirement planning for individuals and families, focusing on tax, estate, business, education, and cash-flow planning. The firm emphasizes planning over discretionary portfolio management and delivers advice through in-person meetings and educational seminars.

Amanda Hopkins Clouser is a CFA® charterholder with seven years of industry experience. She has been with RCS Financial Planning, LLC since 2018 and previously worked at TIAA from 2008 to 2017. RCS Financial Planning serves individual clients, including high-net-worth individuals, as well as pension and profit-sharing plans. The firm employs an evidence-based investment approach focused on modern portfolio theory and offers comprehensive financial planning, portfolio management, and pension consulting services.

Jason Dallacqua is a CFP® with 12 years of industry experience, currently serving as an advisor at Crest Wealth Advisors LLC since 2020. Prior to this, he worked at Investment Planning Associates, Inc. for eight years. Crest Wealth Advisors serves individual and high-net-worth clients as well as employer plan sponsors, offering portfolio management, comprehensive financial planning, and employee benefit plan advisory services. The firm employs a strategic asset allocation approach informed by fundamental analysis and modern portfolio theory, combining active and passive strategies tailored to client goals and risk tolerance.

John Grant is a financial advisor at CovingtonAlsina with a Series 65 credential and two years of industry experience. His prior roles include positions at Worthington Financial Partners and Great Valley Advisor Group, as well as work in education at Towson University, Virginia Tech, and Parkside High School. He serves as Treasurer and Board Member for The Summit School, an institution supporting children with dyslexia and other learning differences. CovingtonAlsina manages approximately $189 million for around 470 clients, including high-net-worth individuals and pension plans. The firm provides discretionary portfolio management, financial planning, and pension consulting, employing fundamental analysis, modern portfolio theory, and a mix of direct and third-party management across a broad range of securities and alternative investments.

Martha Crocker is a CFP®-certified financial advisor with 37 years of industry experience. She has worked at Foundation Financial Advisors, Inc. since 2012 and is also affiliated with Commonwealth Financial Network. Foundation Financial Advisors, Inc. provides fee-for-service financial planning and consulting to individual clients, focusing on tailored written plans rather than discretionary portfolio management. The firm offers a broad range of planning services and investment vehicle guidance, operating with an explicit avoidance of percentage-of-AUM advisory fees.

James Ellerson is a financial advisor with The Ellerson Group Inc in Annapolis, MD, holding Series 63 and Series 65 licenses. He has 3 years of industry experience and has been affiliated with The Ellerson Group since 1995. He also serves as a trustee of family trusts. The Ellerson Group provides personalized, fee-only financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm manages a substantial asset base with a small advisory team, using a core-and-satellite investment approach focused on global diversification and typically employing no-load or low-cost mutual funds and ETFs.