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.

Gary Williams is a CFP® with over 31 years of experience in the financial services industry. He is the founder of Williams Asset Management and has also spent significant time at Commonwealth Financial Network. Outside of his advisory work, he is the author of the book *Art of Retirement* and holds several nonprofit roles, including chairing the investment committee and serving on the executive board at the Y of Central Maryland. Williams Asset Management provides discretionary portfolio management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a multi-disciplinary investment approach combining fundamental, quantitative, and technical analysis, and incorporates options strategies alongside long-term trading.

Tanya Rapacz is a CFP® with 17 years of experience in the financial industry. She has worked at The Advisory Group of San Francisco, LLC since 2023 and previously held roles at Arthur Stein Financial, LLC and Zeiders Enterprises. Outside of financial advising, she owns and operates The Partnership Resource, where she provides consulting on mergers, conflict resolution, and succession, and speaks and writes on these topics. The Advisory Group of San Francisco, LLC is a fee-only advisory firm serving individuals, foundations, endowments, and retirement plans. The six-advisor team manages approximately $810 million, employing a blend of modern portfolio theory, fundamental and quantitative analysis, active and passive mutual funds, and periodic portfolio rebalancing.

Todd Norris is a CFP® with 17 years of industry experience, currently serving at Mercer Global Advisors following their acquisition of Glass Jacobson Wealth Advisors. He previously worked at Glass Jacobson Wealth Advisors, Facet Wealth, Life Plan Financial, and Prime Investment Advisors. Glass Jacobson Wealth Advisors serves individual and high-net-worth clients as well as retirement plans, trusts, estates, and charitable organizations, providing investment advisory and financial planning alongside integrated services such as tax preparation, accounting, business consulting, and litigation support. The firm uses a quarterly-investment committee approach focused on diversified asset allocation, managing accounts on a household basis with both discretionary and limited non-discretionary relationships.

Joel Hosner is a CFP® professional with three years of industry experience. He is currently with WBH Advisory, Inc. in Baltimore, MD, where he has worked since 2023. Prior to joining WBH Advisory, he held roles at Lynx Investment Advisory, LLC, RSD Financial, and the Financial Planning Association. Before entering financial advisory, he worked for six years with Baltimore City Public Schools. WBH Advisory provides discretionary investment management and financial planning services to individuals, trusts, retirement plans, nonprofit organizations, and business entities. The firm offers tailored portfolios combining equities, fixed income, mutual funds, and ETFs, with a focus on long-term equity holdings supported by fundamental analysis and other strategies.

Roger Desai is a financial advisor with Lynx Investment Advisory, LLC, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has worked at several firms, including United Planners Financial Services and The Patriot Financial Group, and serves as adjunct faculty at Howard Community College. Desai is also a vice president of a local condominium association, reflecting involvement in community activities. Lynx Investment Advisory serves individual and institutional clients by providing investment consulting, manager research, and portfolio monitoring. The firm builds customized allocations typically implemented through vetted third-party managers and offers both discretionary and non-discretionary portfolio management.

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.

Richard Andrews is a financial advisor with Advocate Investing Services, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Advocate Investing Services since 2016 and has been associated with LPL Financial since 2005. Advocate Investing Services is a team-based registered investment adviser managing approximately $154 million for about 211 clients, including individuals, charitable organizations, and business entities. The firm customizes portfolios based on client objectives and risk tolerance, utilizing fundamental and technical analysis, and discloses the use of derivatives such as options and futures within separately managed accounts.

Marina Sidelnikova is a financial advisor at Mercer Global Advisors Inc. with 19 years of industry experience. She holds a Series 65 designation and has previously worked at Triad Advisors and Glass Jacobson Investment Advisors, LLC. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios and offers a range of investment solutions alongside financial planning, retirement consulting, and tax and estate-planning support.

George Toulson is a CFP® and CFA® with 30 years of industry experience. He is currently with Mercer Global Advisors, having previously worked at Glass Jacobson Investment Advisors, Wick Capital Partners, ClearBridge Investments, Legg Mason, and The Vanguard Group. Outside of his advisory role, he is a managing member of a social media gaming software company, DB Game LLC. Glass Jacobson Wealth Advisors serves individuals, high-net-worth clients, and various institutional plans and organizations, providing portfolio management, financial planning, ERISA consulting, and related services. The firm employs a household-level investment approach overseen by a quarterly meeting investment committee and utilizes a range of investment vehicles including mutual funds, ETFs, and alternative fixed-income products.

Dovid Price is a CFP® and Series 66 licensed advisor with six years of industry experience. He currently works at Glass Jacobson Wealth Advisors and previously held roles at Mercer Global Advisors, DP Financial, and LPL Financial, among others. Outside of his advisory work, he provides financial consulting and management services to a speech therapy company. Glass Jacobson Wealth Advisors serves individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm employs a holistic, household-level investment approach overseen by an investment committee and utilizes a range of investment vehicles including mutual funds, ETFs, and alternative fixed-income products.

Richard Osikowicz is a CFP® professional with 28 years of industry experience. He is currently with Glass Jacobson Wealth Advisors, part of Mercer Global Advisors since 2025, and has previously worked at Triad Advisors and PNC Capital Advisors. Outside of finance, he operates a photography business offering portrait and event photography services. Glass Jacobson Wealth Advisors serves individual and high-net-worth clients, as well as retirement plans, trusts, estates, and charitable organizations. The firm offers comprehensive financial planning and investment advisory services, supplemented by integrated offerings such as tax preparation, accounting, business consulting, and litigation support.

Gavin Walter is a CFP® and holds a Series 65 license with one year of industry experience. He is currently affiliated with Williams Asset Management, a team-based firm where he has worked since 2024. Prior to his advisory role, he was employed at the University of Maryland College Park and Hereford High School. Williams Asset Management provides discretionary investment management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm uses a combination of fundamental, quantitative, Modern Portfolio Theory, and technical analysis within its investment process and tailors portfolios to client risk tolerances and time horizons.

Duncan Mccall is a CFP® and holds a Series 65 license with two years of industry experience. He is currently an advisor at Williams Asset Management, where he has been since 2022, and previously worked at Commonwealth Financial Network. Outside of his advisory role, he is a member of entities managing real estate investments in Pennsylvania and Maryland. Williams Asset Management provides discretionary investment management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a multi-disciplinary investment approach including fundamental, quantitative, and technical analysis, with portfolio strategies tailored to client risk tolerances and time horizons.

Karissa Goessl is a financial advisor at Williams Asset Management with eight years of industry experience. She holds a Series 65 designation and has worked at firms including Commonwealth Financial Network and Cadaret, Grant & Co., Inc. prior to her current role. Williams Asset Management provides discretionary portfolio management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a combination of fundamental, quantitative, and technical analysis alongside modern portfolio theory, incorporating long-term trading and options strategies in its investment approach.

Mamie Liu is a CFP® professional with 19 years of industry experience, currently serving as an advisor at Advocate Investing Services since 2016. She has also been affiliated with LPL Financial since 2010. Advocate Investing Services is a team-based registered investment adviser managing approximately $154 million for individuals, charitable organizations, and business entities. The firm customizes portfolios based on client objectives and risk tolerance, utilizing both fundamental and technical analysis, and employs a range of trading strategies including the use of derivatives within separately managed accounts.

Joseph Mc Carthy is a CFP® and ChFC® with 10 years of industry experience. He is currently with Glass Jacobson Wealth Advisors, having previously worked at Mercer Global Advisors, UBS Financial Services, and several other firms. Glass Jacobson Wealth Advisors serves individuals, high-net-worth clients, retirement plans, trusts, estates, and charitable organizations. The firm employs a household-level investment approach overseen by a quarterly investment committee and offers portfolio management, financial planning, ERISA consulting, and related services using a range of mutual funds, ETFs, fixed-income vehicles, and integration of held-away assets.

Jonathan Dinkins is a financial advisor at Mercer Global Advisors Inc. with 24 years of industry experience. He holds the PFS™ designation and Series 65 license. Prior to joining Mercer in 2025, he worked for 20 years at Glass Jacobson Investment Advisors LLC. Outside of his advisory role, he manages rental real estate in Hilton Head, SC. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm employs a Modern Portfolio Theory-based approach with globally diversified, risk-appropriate portfolios and offers a variety of implementation options alongside financial planning, retirement consulting, tax support, and estate-planning coordination.

Brian Mc Kinney is a CFP® professional with nine years of industry experience, currently serving at Williams Asset Management in Columbia, MD. He has been with the firm since 2016. Outside of his advisory role, he owns BSM Partners Inc., a private entity related to securities, advisory, and insurance business. Williams Asset Management provides discretionary investment management, wealth management, and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm employs a combination of fundamental, quantitative, and technical analysis to construct portfolios tailored to client risk tolerances and time horizons.

Stephen Koda is a financial advisor at Advocate Investing Services with a Series 65 credential and four years of industry experience. He has held roles at Univers Tech and DoorDash, and he is the owner and president of Rocket Sports, LLC, a custom apparel printing business. Advocate Investing Services is a four-advisor firm providing portfolio management, financial planning, pension consulting, and advisory services to individuals, charitable organizations, and business entities. The firm uses a range of investment strategies including derivatives and market-linked instruments and employs both discretionary and non-discretionary management tailored to client objectives.