Megan Penn is a financial advisor at Arkadios Wealth Advisors with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at LPL Financial LLC, Lincoln Financial Advisors Corporation, and Chesapeake Investment Planning. Outside of her advisory work, she is involved with Red Eye's Dock Bar in Grasonville, MD. Arkadios Wealth Advisors is a multi-team firm serving individuals, trusts, businesses, corporations, and retirement plans. The firm offers customized investment plans using a range of portfolio management strategies, combining fundamental, technical, and cyclical analysis.

Paul Fowler Jr. is a financial advisor at Moors & Cabot, Inc. with 43 years of industry experience. He has held positions at firms including Wells Fargo, UBS Financial Services, and Morgan Stanley. Outside of his advisory work, he is involved in the care and feeding of racehorses. Moors & Cabot serves retail and high-net-worth individuals, corporations, pension and profit-sharing plans, trusts, estates, and charitable organizations, offering investment management, financial planning, consulting, and advice-only arrangements tailored to clients’ objectives and risk tolerances.

Adam Martin is a financial advisor at Arkadios Wealth Advisors with one year of industry experience. He holds a Series 66 designation and previously worked at LPL Financial. Outside of his advisory role, he has been involved with Hinckley Bay Bridge Marina since 2024. Arkadios Wealth Advisors is a multi-team SEC-registered firm serving individuals, trusts, businesses, and retirement plans with customizable investment solutions that incorporate fundamental, technical, and cyclical analysis.

Mark Youngs is a financial advisor at Ethos Financial Group, LLC with 42 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Ethos Financial Group in 2026, he worked at Alden Investment Advisors LLC, J. Alden Associates, Inc., Realta Investment Advisors, Inc., Realta Equities, Inc., RBC Capital Markets, and Merrill. Outside of his advisory role, he serves as the treasurer for Boy Scout Troop 1204 in Davidsonville, MD. Ethos Financial Group serves individuals, trusts, estates, state and municipal entities, and charitable organizations with discretionary and non-discretionary investment management, financial planning, estate planning, and related consulting. The firm employs a model portfolio approach emphasizing diversified, risk-conscious allocations through various investment vehicles and supplements its process with third-party research and tax-overlay management.

Robert Schilling is a financial advisor with Realta Investment Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at Realta Equities, Inc., Schilling Financial, Retirement Specialists, and United Planners' Financial Services. He also operates as an independent insurance agent, selling fixed, life, and long-term care insurance. Realta Investment Advisors provides advisory and financial planning services to individuals, pension and profit-sharing plans, and institutional clients. The firm offers portfolio management, retirement-plan consulting, and estate planning, using a range of investment vehicles and emphasizing individualized strategies based on client goals and risk tolerance.

Lancer Cuddy is a financial advisor at Continuum Advisory, LLC with 25 years of industry experience. He has held positions at firms including Morgan Stanley Smith Barney and Citigroup Global Markets. Cuddy serves as power of attorney for his father, managing securities to cover medical expenses. Continuum Advisory provides financial planning, consulting, and discretionary portfolio management to individuals, including high-net-worth clients, and institutional clients such as pension and profit-sharing plans. The firm offers a range of investment options and retirement plan consulting while maintaining a high level of professional integration among its advisors.

John Ebinger is a CFP®, CFA®, and holds a Series 65 license with 17 years of industry experience. He is currently with Modera Wealth Management, LLC, having joined in 2024, and previously worked at Annapolis Financial Services, Lincoln Financial Advisors Corporation, Sherman Wealth Management, and Symmetry Partners. Modera Wealth Management, LLC provides fiduciary, fee-only advisory services to a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and businesses. The firm’s investment approach is allocation-driven and based on Modern Portfolio Theory, utilizing diversified portfolios supplemented by independent managers, selective funds, private placements, and optional ESG integration.

Jason Bogaczyk is a financial advisor with Arkadios Wealth Advisors, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at LPL Financial LLC, Kestra Financial Services, Sandy Spring Investment Services, PNC Wealth Management, and Truist Investment Services. Outside of his advisory work, he is involved with B.A.M. Consulting LLC, a home-based business entity for tax and investment purposes. Arkadios Wealth Advisors is an SEC-registered, multi-team advisory firm serving individuals, trusts, businesses, corporations, and retirement plans. The firm provides customized investment plans utilizing a range of portfolio management strategies and combines fundamental, technical, and cyclical investment analysis.

William Hufnell is a CFP® professional with 13 years of industry experience. He currently works at Modera Wealth Management, LLC and previously spent 29 years at Annapolis Financial Services, LLC/Bay Point Wealth. Modera Wealth Management, LLC provides fiduciary, fee-only advisory services to a diverse client base, including individuals, pension plans, trusts, and charitable organizations. The firm employs an allocation-driven investment approach based on Modern Portfolio Theory, using diversified portfolios supplemented by independent managers, private placements, and optional ESG integration.

Andrew Kelly is a CFP® with five years of industry experience, currently with Continuum Advisory, LLC. He has worked previously at Kelly Financial Advisors and Wealth Management Associates. Outside of his advisory role, he is involved in insurance sales through Kelly Insurance & Investments, Inc. and Kelly Risk Management. Continuum Advisory serves both individual and institutional clients, providing financial planning, consulting, and portfolio management. The firm integrates multiple professional services and utilizes a range of investment vehicles, including mutual funds, ETPs, and separately managed accounts.

Zachary Furshman is a financial advisor at Continuum Advisory, LLC with 10 years of industry experience. He has previously worked at Osaic Wealth, Inc., Triad Advisors, Morgan Stanley & Co., LLC, and Bank of New York Mellon. He holds Series 63 and Series 65 licenses and serves as Treasurer on a community HOA board. Continuum Advisory is a multi-team SEC-registered investment adviser serving individuals, trusts, corporations, and retirement plans with financial planning, consulting, and portfolio management. The firm manages over $1.4 billion in assets and integrates affiliated implementation resources and institutional services, including licensed attorneys and CPAs among its professionals.

Woodrow Willey Jr. is a CFP® and PFS™ with 29 years of experience in the financial industry. He is currently with A.G.P. / Alliance Global Partners and has held roles at Arete Wealth Management LLC and Sherwood Associates Inc., where he also serves as Vice President overseeing tax return preparation and tax planning. Additionally, he is a licensed fixed life insurance agent. A.G.P. / Alliance Global Partners is a multi-team platform comprising approximately 131 advisors who manage nearly $3 billion for over 7,000 clients. The firm employs an open-architecture investment model combining internally managed strategies with co- and sub-advisory relationships, offering a range of portfolio management, financial planning, brokerage, and insurance services.

Michael Nickerson II is a Series 65-credentialed advisor with Independence Square Holdings, LLC, bringing one year of industry experience. His background includes roles at ISQ Capital LLC and LPL Financial, as well as teaching positions at Washington College and Gunston Day School. Outside of finance, he operates Michael's Shore Style BBQ, a regional catering business. Independence Square Holdings serves individuals, retirement plans, and institutional clients through financial planning, portfolio management, and ERISA advisory services. The firm employs a multi-team approach and integrates customized portfolios, model portfolios, and third-party solutions, with access to alternative investments and digital platform services.

Larissa Costello is a financial advisor at Ethos Financial Group, LLC with 11 years of industry experience. She holds Series 65 and Series 66 designations and has previously worked at Alden Investment Advisors, Coastal Equities, and Raymond James Financial Services, among others. Outside of her advisory role, she is involved in running an LLC with her family. Ethos Financial Group serves individuals—including high-net-worth clients—as well as trusts, estates, municipal entities, and charitable organizations. The firm combines model portfolio investment management with financial planning and consulting, utilizing diversified, risk-conscious strategies implemented through multiple investment vehicles.

Martin Knight is a financial advisor with Geneos Wealth Management, Inc. He holds a Series 66 designation and has 20 years of industry experience. He has worked at Chesapeake Investment Advisors, Inc. and Geneos Wealth Management since 2005. In addition to his advisory role, he is a notary public. Geneos Wealth Management serves a broad range of clients, including individuals, trusts, estates, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides financial planning, investment advisory, and brokerage services, employing a variety of analytic approaches and strategies tailored to client needs.

Todd Tocco is a CFP® professional with 23 years of experience in the financial advisory industry. He is currently associated with Certified Advisory Corp and has been managing TJT Financial, LLC since 2014. His career includes over a decade at Certified Advisory Corp and continuing work at TJT Financial, LLC. Certified Advisory Corp serves a diverse client base including individual investors, retirement accounts, trusts, estates, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers goal-driven, individualized investment advisory and financial planning services, combining traditional analysis techniques with digital platforms like Betterment to provide comprehensive portfolio management and plan-level consulting.

Bryan Wasserman is a financial advisor at Continuum Advisory, LLC with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked with firms including Triad Advisors and MassMutual. Outside of investment advisory, he is involved in insurance sales and benefits consulting through Kelly Risk Management and Kelly Insurance & Investments, Inc. Continuum Advisory is a multi-team SEC-registered investment adviser serving individuals, trusts, corporations, and retirement plans with financial planning, consulting, and portfolio management services. The firm manages over $1.4 billion in assets and offers tailored investment solutions using a variety of securities and model portfolios while providing institutional retirement plan consulting.

Christopher De Giacomo is a CFP® and Series 65 credentialed advisor with six years of industry experience. He has worked at McAdam LLC since 2019 and previously was affiliated with Johns Hopkins Business School and Johns Hopkins University. McAdam LLC serves individuals, trusts, estates, charitable organizations, corporations, and government entities, including high-net-worth households, providing financial planning, investment management, and retirement plan consulting. The firm manages client accounts primarily on a discretionary basis, employing a diversified approach that includes mutual funds, ETFs, individual securities, independent managers, and specialized exposures such as direct indexing and private investment funds.

Michael Kelly II is a financial advisor with Continuum Advisory, LLC based in Annapolis, MD. He holds a Series 66 credential and has 11 years of industry experience. Prior to joining Continuum Advisory, he worked at Triad Advisors, Inc. and Signator Investors, Inc. In addition to his advisory role, he serves as Vice President of Kelly Rick Management, a company involved in property and liability insurance. Continuum Advisory provides financial planning, consulting, and discretionary portfolio management to individuals, including high-net-worth clients, and institutional clients such as pension and profit-sharing plans. The firm uses a range of investment vehicles and offers retirement plan consulting, with an emphasis on professional integration among its advisors who may hold additional licenses or provide related services.

Steven Mccartin is a financial advisor at Continuum Advisory, LLC with 23 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Signator Investors, Inc. and OSAIC Wealth, Inc. Outside of advisory services, he operates MCCARTIN Financial Services, providing tax preparation and selling investment and insurance products. Continuum Advisory serves individual and institutional clients with financial planning, consulting, and discretionary portfolio management. The firm integrates professional services such as tax preparation and insurance within its team and offers retirement plan consulting and ERISA fiduciary roles.