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.

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 has held various positions outside of finance, including roles at BJ's Restaurant & Brewhouse and Peak Custom Remodeling Corporation. Greenspring Advisors provides investment advisory and financial planning services to individuals, trusts, estates, non-profits, and employer-sponsored retirement plans. The firm employs a fundamental, quantitative, and qualitative investment approach with an emphasis on asset allocation, offering both discretionary and non-discretionary portfolio management and institutional retirement plan consulting.

Edna Kowitz is a financial advisor at LexAurum Advisors with 25 years of industry experience. She holds the ChFC® designation as well as Series 63 and Series 65 licenses. Her prior firms include Summit Financial Group Inc and Summit Brokerage Services, Inc., and she has been president of Kowitz Financial Group, LLC since 2011. She is also involved in the sale of fixed and traditional insurance, long-term care insurance, and fixed annuities. LexAurum Advisors serves individuals, families, businesses, institutional clients, and other advisory firms, managing approximately $1.27 billion. The firm employs a multi-advisor team approach and utilizes diversified portfolios aligned with modern portfolio theory, implementing model allocations primarily through low-cost ETFs.

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.

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.

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.

Dale Foard is a financial advisor with Independence Square Holdings, LLC, holding Series 63 and Series 65 credentials and 30 years of industry experience. His prior roles include positions at WPG Financial, United Planners' Financial Services of America, and CFG Capital Markets. Independence Square Holdings provides investment advisory, financial planning, pension consulting, and portfolio management services to a diverse client base including individuals, retirement plans, corporations, charitable organizations, and government entities. The firm employs a range of investment strategies and combines in-house portfolio management with third-party manager selections, supported by a substantial digital platform and various ancillary services.

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 with T. Rowe Price Advisory Services, Inc., holding Series 66 and Series 63 credentials and three years of industry experience. Before joining T. Rowe Price, he worked at Amazon and held roles at several other firms, including Securitas Security Services and Abercrombie & Fitch. Outside of financial advising, he is the CEO of A & K Chandler LLC, a consulting business that assists small businesses in acquiring Federal Government contracts. T. Rowe Price Advisory Services, Inc. provides retirement-focused financial planning and discretionary investment management to individual investors and households, using model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs. The firm combines telephone access to advisors with an online planning tool to deliver comprehensive retirement income planning and ongoing reviews.

Larry Whaley is a CFP®-certified financial advisor with PlanMember Securities Corporation in Elkridge, MD, bringing 37 years of industry experience. He has been with PlanMember since 2008 and also serves as president and owner of Paladin Advisor Group. Outside of his advisory work, Whaley leads worship music at a camp for families affected by disability and has involvement with the nonprofit organization Joni and Friends. PlanMember provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering education, support, and a range of risk-based mutual fund portfolios managed through a defined strategic asset allocation and rebalancing process.

Peter Sorensen is an advisor at HB Wealth with a Series 65 designation and one year of industry experience. Prior to joining HB Wealth, he held roles at Bucknell University, DRD Pool Management, Towson High School, and Dumbarton Middle School. 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 discretionary portfolio management aligned with clients’ objectives, combining quantitative and qualitative due diligence across a range of public and private investment strategies.

Scott Kelly is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and with 13 years of industry experience. He previously worked at Merrill for four years and Chapin Davis, Inc. for seven years before joining Janney in 2019. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage, financial planning, consulting, and advisory programs, with investment advice delivered through in-house and third-party portfolio management.

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.

Njuh Tata is a financial advisor with Valic Financial Advisors holding a Series 66 designation and no prior industry experience. His work history includes roles outside the financial sector, such as positions at McCormick and Schmick's and the University of Maryland, before joining Valic Financial Advisors. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm provides portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors, leveraging centralized technology and model solutions to manage approximately $29.2 billion for close to 300,000 clients.