Richard Wagener is a CFP® and ChFC® with 51 years of experience in financial advising. He has worked at Raymond James Financial since 2009 and also serves as President of Financial First Advisors, a firm he has been involved with since 1986. He occasionally acts as an insurance agent for life, fixed annuity, disability income, and long-term care products not typically available through Raymond James. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and governmental entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation, modeling tools, and firm research to develop tailored recommendations.

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.

Carly James is a financial advisor at Severn Financial Advisors, LLC with five years of industry experience. She holds a Series 66 designation and previously worked at Commonwealth Financial Network and Independent Financial Partners. Outside of financial advising, Carly is a certified yoga teacher affiliated with Yoga Factory, LLC. Severn Financial Advisors, LLC provides financial planning and consulting services to individuals, families, businesses, trusts, and estates. The firm uses a fact-finding process and third-party tools to develop tailored plans on retirement, tax, estate, and cash-flow topics, offering fixed-fee and hourly planning engagements rather than asset-based fees.

Lindsey Lloyd is a financial advisor at Crest Wealth Advisors LLC in Annapolis, MD, holding a Series 66 designation with two years of industry experience. Prior to joining Crest Wealth Advisors, Lindsey worked at Cetera Advisors LLC and InFocus Financial Advisors. Crest Wealth Advisors serves individual clients, including high-net-worth households, and employer plan sponsors, providing discretionary portfolio management and financial planning. The firm combines fundamental analysis with Modern Portfolio Theory to develop tailored investment strategies, managing portfolios internally while coordinating across held-away accounts.

Robert Shaker is a financial advisor at Shaker Financial Services with 20 years of industry experience. He holds the Series 65 designation and has been with Shaker Financial Services since 2004. Shaker Financial Services provides discretionary portfolio management primarily for individuals, families, trusts, IRAs, and small-business retirement accounts, as well as institutional clients including other investment advisers and municipal and sovereign entities. The firm specializes in globally diversified portfolios composed mainly of closed-end funds, employing a quantitative “discount capture” approach to trading.

Paul Evans is a financial advisor at Annapolitan Investment Group, Inc. with 24 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. In addition to his advisory role, he is the owner of Black Island Capital, LLC and has been involved with the US Naval Academy Athletic Association since 2014. Annapolitan Investment Group provides customized financial and retirement planning to individuals and families, focusing on non-discretionary advice regarding mutual funds, CDs, municipal bonds, annuities, and ETFs. The firm offers written financial plans through in-person consultations and educational seminars, combining broker-dealer registration with a primary emphasis on planning services.

Blake Luehlfing is a financial advisor at Intentional Wealth Strategies with one year of industry experience. He holds the Series 65 designation and has worked in self-employed roles prior to joining Intentional Wealth Strategies. Intentional Wealth Strategies provides integrated wealth management, financial planning, and retirement-plan consulting to individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs an evidence-based investment approach with global diversification and tailor-made allocations based on client risk tolerance and objectives.

James Roland II is a financial advisor at Foundation Financial Advisors, Inc. with 12 years of industry experience. He holds the CFP® designation and the Series 66 license. His prior work includes more than a decade at Sanders Morris Harris Inc. and multiple periods at Commonwealth Financial Network. Roland also spends part of his time involved in fixed insurance sales. Foundation Financial Advisors provides financial planning and consulting mainly to individual clients, focusing on comprehensive planning and portfolio analysis rather than discretionary investment management. The firm offers a range of services including investment analysis, income tax planning, risk management, and estate and retirement planning.

William Berger is a financial advisor with White Oak Wealth Management in Columbia, MD, holding a Series 65 designation and 13 years of industry experience. He previously worked at Oakmont Wealth Advisory, LLC from 2019 to present and Great Lakes & Atlantic Wealth Management from 2016 to 2018. Berger is also the owner of White Oak Wealth Management, LLC, an entity with partial ownership of Oakmont Wealth Advisory, LLC. White Oak Wealth Management serves individuals, including high net worth clients, as well as trusts, estates, and charitable organizations, providing discretionary portfolio management, integrated financial planning, and retirement plan consulting. The firm employs a multifaceted investment approach that incorporates fundamental, technical, quantitative, charting, and cyclical analysis and uses borrowing, leverage, derivatives, and alternative investments within separately managed accounts when appropriate.

Jonathan Mc Mahon is a financial advisor at Dauntless Advisory, LLC with one year of industry experience. He holds a Series 65 designation and previously worked in the technology sector at Amobee, Inc. and Videology, Inc. Dauntless Advisory, LLC 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 in its fiduciary advisory role, offering access to advanced strategies including leverage and short selling through a subadviser.

Heather Anthony is a CFP® professional with six years of industry experience. She is currently with CovingtonAlsina and has previously worked at The Colony Group LLC and Bridgewater Wealth & Financial Management. CovingtonAlsina provides advisory services to individuals, high-net-worth clients, and pension or profit-sharing plans, offering discretionary portfolio management, financial planning, and pension consulting. The firm uses fundamental analysis and modern portfolio theory to guide investment decisions and offers additional services such as tax preparation through an in-house CPA.

Matthew O’Keefe is a CFP® certificant with 16 years of industry experience. He is currently an advisor at Back Bay Financial Planning & Investments, where he has worked since 2026. Prior to that, he spent 16 years at Equitable Advisors and AXA Advisors, LLC. Outside of his advisory role, he is involved with TFG Private Wealth Management, participating on the investment committee and managing separately managed accounts. Back Bay Financial Planning & Investments serves individual and high-net-worth clients with discretionary investment management and project-based financial planning on a fee-only basis. The firm employs a mix of passive and active strategies informed by multiple analyses and modern portfolio theory, utilizing outside managers and specialized sub-advisors to implement unique strategies such as box-spread options.

Thaddeus Toal Jr. is a Certified Financial Planner® with 24 years of industry experience. He has worked at RCS Financial Planning, LLC since 2017 and previously spent 10 years at Rockwood Wealth Management, LLC. RCS Financial Planning serves individual clients, including high-net-worth individuals, as well as pension and profit-sharing plans. The firm provides portfolio management, comprehensive financial planning, and pension consulting, following an evidence-based investment approach grounded in modern portfolio theory.

David Mckee is a CFP®-certified financial advisor with over 30 years of industry experience. He has been with Accordant Advisory Group, Inc. since 2001 and previously worked at Raymond James Financial Services, Inc. He is also an officer and vice president of Xanadu 1320 LLC, a non-investment-related business. Accordant Advisory Group serves individual clients, including high-net-worth individuals, as well as pension plans, charitable organizations, and corporations. The firm offers portfolio management, financial planning, and ERISA retirement-plan consulting, managing approximately $278 million in assets through a Raymond James-sponsored wrap-fee program.

John Bacci is a CFP® and ChFC® with 41 years of experience in financial advisory services. He has been with Foundation Financial Advisors, Inc. since 1997, where he also serves as President and Owner. Outside of his advisory role, Bacci has taught a finance-related course at Anne Arundel Community College. Foundation Financial Advisors, Inc. provides fee-for-service financial planning and consulting to individual clients, covering areas such as investment analysis, tax planning, risk management, and estate planning. The firm focuses on tailored written financial plans without discretionary asset management and offers implementation through Commonwealth Financial Network.

Frederick Cassilly is a financial advisor at Cassilly Financial with 18 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Northwestern Mutual and its affiliated companies. Cassilly Financial serves individual clients, including high-net-worth individuals, as well as pension and profit-sharing plans and charitable organizations. The firm uses model portfolios and third-party money managers, applying fundamental, cyclical, and modern portfolio theory in its investment approach.

Andrew Magdar is a Series 65-licensed advisor at White Oak Wealth Management in Columbia, MD, with less than one year of industry experience. His prior work includes roles in banking and the hospitality sector, as well as being a full-time student. White Oak Wealth Management serves individuals, trusts, estates, and charitable organizations, managing approximately $124.2 million in discretionary assets. The firm employs a blend of fundamental, technical, and quantitative analyses to create tailored investment plans and utilizes discretionary management with diverse investment vehicles, including the use of leverage and derivatives where appropriate.

David Cunningham is a financial advisor at Westbourne Investment Advisors Inc. in Annapolis, MD, with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Foxhall Capital Management, Inc. and Cunningham Capital Management, LLC. Westbourne Investment Advisors provides discretionary portfolio management and financial advisory services to individual and high-net-worth clients, as well as IRAs, trusts, corporate accounts, pension plans, and nonprofit organizations. The firm emphasizes fundamental analysis with multi-year holding periods, maintains low portfolio turnover, and integrates operational control measures, managing approximately $449 million across several hundred accounts.