Ryan Ansted is a financial advisor with Scarborough Capital Management in Annapolis, MD, holding a Series 66 designation and 25 years of industry experience. He has worked at Independent Financial Group, LLC since 2018 and has been with Scarborough Advisors, LLC dba Scarborough Capital Management since 2013. Scarborough Capital Management is an SEC-registered investment adviser managing approximately $1.4 billion for over 2,000 clients through a team of 13 advisors. The firm primarily employs an asset-allocation framework and model portfolios to construct discretionary accounts, serving a diverse client base that includes institutional investors and individuals.

Thomas Arnold is a financial advisor at Sentinel Asset Management, LLC with 12 years of industry experience. He holds Series 63, Series 65, and Series 66 designations. Prior to joining Sentinel in 2025, he worked at Eagle Strategies and New York Life in various capacities from 2013 through 2025. Sentinel Asset Management, LLC is a fee-based advisory firm serving individual and high-net-worth clients, offering comprehensive financial planning and discretionary portfolio management. The firm employs a mosaic investment approach combining fundamental, technical, and cyclical analysis, with continuous account monitoring and due diligence when using third-party managers.

Ryan Donahue is a CFP® professional at Curio Wealth, LLC with one year of industry experience. His prior roles include positions at Regscan, Inc, ASCD, and MainStreet Financial Planning. Ryan is based in Annapolis, MD. Curio Wealth provides personalized financial planning and discretionary investment management to individuals, trusts, estates, small businesses, and retirement plans. The firm uses a variety of investment vehicles including no-load mutual funds and ETFs, and offers additional services such as standalone financial plans and tax preparation.

Michael Canet is a financial advisor with Prostatis Financial Advisors Group in Hanover, MD, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior work includes roles at Peak Brokerage Services LLC and TCM Securities, Inc., alongside operating his own law practice since 1997. He serves on the board of a nonprofit organization. Prostatis Financial Advisors Group manages approximately $509 million in client assets through a team of about 18 advisors, serving individuals, high-net-worth clients, and various institutions. The firm employs a top-down, macro-environmental approach to tactical asset allocation, utilizing both customized and model portfolios, and offers a range of investment and financial planning services.

Mary Hughes is a financial advisor with 17 years of industry experience, currently serving at 1 North Wealth Services, LLC. She holds the Series 65 designation and has been with Middleton Gardiner Group, LLC since 2005. 1 North Wealth Services provides discretionary investment management and financial planning to individuals, closely held businesses, retirement plans, estates, trusts, and charitable foundations. The firm employs an active, discretionary approach with multiple strategies, including a Sustainable Investing (ESG) option, and manages over $320 million in discretionary assets.

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.

Connor Wilson is a financial advisor at Elite Income Advisors, Inc. in Ellicott City, MD, holding a Series 65 designation with two years of industry experience. Prior to joining Elite Income Advisors, he worked in various roles including at CVS Pharmacy and York College of Pennsylvania. He is also an independent insurance agent based in Ellicott City. Elite Income Advisors serves a diverse client base including high-net-worth individuals, retirement plans, trusts, and charitable organizations. The firm provides financial planning, discretionary portfolio management, and pension consulting, utilizing model portfolios and third-party managers while emphasizing participant education and employee communications for retirement plans.

Jeffrey Cardozo is a CFP®-certified financial advisor with 10 years of industry experience. He is currently with Scarborough Capital Management in Annapolis, MD, where he has worked since 2015, including roles at Independent Financial Group. He serves as a co-trustee on an irrevocable trust for his family at Morgan Stanley. Scarborough Capital Management is an SEC-registered investment adviser managing approximately $1.4 billion for over 2,000 clients through a team of 13 advisors. The firm utilizes an asset-allocation framework and model portfolios, including third-party models, to construct discretionary accounts and offers portfolio management, financial planning, educational seminars, and sub-advisory services for retirement plans.

Brandon Wolf is a CFP® with six years of industry experience, currently advising at Evermay Wealth Management, LLC. His prior roles include positions at Novotny, Larash, Venters & Wolf LLC and Ameriprise Financial Services, LLC. Outside of his advisory work, he is involved in consulting through Consilarus LLC and participates in charitable activities via the Consilarus Foundation Inc. Evermay Wealth Management is an SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, and retirement plans. The firm employs a team-centric model with tailored service levels and integrates investment management with tax and estate planning through affiliated and third-party resources.

Max Pflugrad is a Series 65-licensed financial advisor with Baltimore-Washington Financial Advisors, where he has worked since 2021. He has three years of industry experience and previously worked at Towson University and Calvert Hall High School. Baltimore-Washington Financial Advisors is a fee-only wealth management firm serving individuals, families, trusts, estates, foundations, and nonprofit organizations. The firm employs a model portfolio investment approach overseen by an investment committee and integrates financial planning with tax advisory and business-related services to a large client base through standardized, scalable processes.

Kevin Wrenn is a CFP® with 10 years of industry experience, currently serving as an advisor at Ballast Financial Advisors, LLC. Prior to joining Ballast in 2020, he worked at Anchor Capital Management LLC from 2015 to 2021. Outside of his advisory role, he is an assistant high school basketball coach with Anne Arundel County Public Schools. Ballast Financial Advisors, LLC serves individual and high-net-worth clients, trusts, pension plans, and corporate clients, offering asset management, financial planning, and retirement plan consulting. The firm employs a variety of analytical methods and may use third-party money managers, managing portfolios on both discretionary and non-discretionary bases.

Jonathan Szostek is a CFP® and Series 66 credentialed advisor with 18 years of industry experience. He has worked at Independent Financial Group, LLC since 2018 and has been affiliated with Scarborough Capital Management since 2013. Prior to that, he worked at SII Investments Inc from 2008 to 2017. Scarborough Capital Management is an SEC-registered investment adviser managing approximately $1.4 billion for over 2,000 clients through a team of 13 advisors. The firm primarily employs an asset-allocation framework and model portfolios to construct discretionary accounts and serves a diverse client base including institutional investors and individual clients.

David Staab is a financial advisor with Foundation Wealth & Tax Advisors, LLC in Annapolis, MD. He holds a Series 65 designation and has one year of industry experience. Prior to his current role, he has worked at Savvy and RCN & Associates, where he also serves as a staff accountant on a part-time basis. Foundation Wealth & Tax Advisors, LLC provides discretionary and non-discretionary portfolio management, financial planning, and consulting services to individuals—including high-net-worth clients—corporations, and retirement plans. The firm integrates multiple analytical approaches and third-party platforms to manage investments, pension consulting, and digital-asset services from multiple offices.

Bruce Kromminga is a financial advisor with Westbourne Investment Advisors Inc. in Annapolis, MD. He holds Series 63 and Series 65 licenses and has 12 years of industry experience, including prior work at Bay Bridge Capital Management, LLC. He has been with Westbourne Investment Advisors since 2016. Westbourne Investment Advisors provides discretionary portfolio management and financial advisory services to individual and high-net-worth clients, IRAs, trusts, corporate accounts, pension plans, and nonprofits. The firm focuses on long-term equity investments combined with shorter-duration fixed income, employing fundamental analysis and maintaining operational controls.

Matthew Smiler is a ChFC® credentialed financial advisor with seven years of industry experience. He has worked at Baltimore-Washington Financial Advisors since 2019 and previously spent seven years at Katzabosch. Baltimore-Washington Financial Advisors is a fee-only wealth management firm serving individuals, families, trusts, estates, foundations, and non-profit organizations. The firm employs a team-based, holistic approach that integrates financial planning, portfolio management, tax services, and business advisory support.

Laura Ruiz is a financial advisor at Widmann Financial Services with 26 years of industry experience. She holds the Series 66 designation and has worked at Widmann Financial Services since 2009, including her current tenure starting in 2022, as well as at Commonwealth Financial Network since 2009. Widmann Financial Services offers discretionary asset management, financial planning, and consulting services to individuals, families, businesses, and charitable organizations. The firm employs a hybrid, research-driven investment approach that integrates third-party analysis and conducts financial education seminars in collaboration with outside professionals.

Christopher Williams is a CFP® professional with five years of industry experience, currently affiliated with Foundation Wealth & Tax Advisors, LLC since 2022. He has prior experience at Bestgate Wealth Advisors, LLC and is the owner and manager of CJW LLC, which holds the accounting firm Kram, McCarthy, Ayers & Frost LLC, where he also serves as an accountant. Foundation Wealth & Tax Advisors, LLC provides discretionary and non-discretionary portfolio management, financial planning, and consulting services to individuals, corporations, and retirement plans, including high-net-worth clients. The firm employs multiple analytical approaches to investment management and offers specialized services such as pension consulting and digital asset diversification.

Joseph Caputo is a CFP® certificant with 18 years of industry experience. He has been with Baltimore-Washington Financial Advisors since 2012. The firm serves individuals, families, trusts, estates, foundations, and nonprofit organizations with fee-only wealth management, offering financial planning, portfolio management, integrated tax services, and business services. Baltimore-Washington Financial Advisors operates a team-based, holistic model that integrates investment strategies with clients’ goals and tax situations, supported by an Investment Committee and specialized services such as retirement planning using Monte Carlo analysis.

Allen Ayers is a CFP® with 16 years of industry experience. He is currently with Foundation Wealth & Tax Advisors, LLC and has held positions at several firms, including Bestgate Wealth Advisors, Integrated Wealth Concepts, and Jesup & Lamont Securities. Ayers is also a managing partner and owner of the accounting firm Lombardo Ayers & Company, LLC and a partner in Kram McCarthy Ayers & Frost, LLC. Foundation Wealth & Tax Advisors, LLC provides portfolio management, financial planning, and consulting services to individuals, corporations, and retirement plans. The firm combines multiple analytical approaches and uses third-party platforms for implementation, offering both investment management and pension consulting services with a notable integration of accounting and law business interests among its principals.

Ian Arrowsmith is a financial advisor with Scarborough Capital Management, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Independent Financial Group, LLC, Scarborough Advisors, LLC, and SII Investments, Inc. He is also an officer and 20% owner of Ballast Partners LLC, a real estate sales and property management company. Scarborough Capital Management is an SEC-registered multi-advisor firm managing approximately $1.64 billion for over 2,600 clients. The firm offers discretionary portfolio management, financial planning, educational seminars, and retirement-focused programs, employing an asset allocation and model-based investment approach that incorporates both in-house and third-party portfolios.