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.

Ryan Klinger is a financial advisor with Lafayette Investments, Inc. in Ashton, MD, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Lafayette Investments since 2005. Lafayette Investments is a SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, charities, and business entities with discretionary portfolio management. The firm employs a long-term, low-turnover investment approach focused on fundamental and qualitative security analysis, managing portfolios that include equities, fixed income, mutual funds, and ETFs.

Monica Carlos is a financial advisor at Audible Wealth Management with a Series 65 designation and two years of industry experience. She previously worked at Northwestern Mutual and has experience in education through roles at Antelope Valley College and California State University. In addition to her advisory work, Monica is a licensed life insurance agent. Audible Wealth Management serves individual clients, including high-net-worth households, business development clients, and retirement plans by providing financial planning and portfolio management. The firm employs a diverse investment approach incorporating fundamental, quantitative, and technical methods, and offers distinctive services such as a wrap-fee program, bill-pay services, and free educational seminars.

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.

Mark Hughes is a financial advisor at Lafayette Investments, Inc. with 32 years of industry experience. He holds a Series 65 designation and has been with Lafayette Investments since 2005. Lafayette Investments is a SEC-registered investment adviser that provides discretionary portfolio management to individuals, retirement plans, trusts, estates, charities, and business entities. The firm emphasizes fundamental and qualitative security analysis, mutual fund and ETF due diligence, and a long-term, low-turnover investment approach.

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.

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.

John Wittelsberger Jr. is a CFP® professional with 10 years of industry experience, currently with Armstrong, Fleming & Moore, Inc., where he has worked for a total of 12 years including earlier periods before joining Commonwealth Financial Network in 2016. His credentials include the Series 63 license. Armstrong, Fleming & Moore serves high-income and high-net-worth individuals and qualified retirement plans, offering discretionary and non-discretionary portfolio management along with financial planning and retirement consulting. The firm’s investment approach focuses on tailored allocations and fundamental analysis, managing portfolios over multi-year horizons with oversight from an investment committee.

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.

Carl Holubowich is a CFP® with 21 years of industry experience and is a member of Armstrong, Fleming & Moore, Inc. He has been with Armstrong, Fleming & Moore since 2005 and with Commonwealth Financial Network since 2009. Armstrong, Fleming & Moore offers discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting primarily to high-income and high-net-worth individuals and qualified retirement plans. The firm emphasizes tailored allocations and fundamental analysis, managing portfolios for multi-year horizons and utilizing a range of programs through Commonwealth Financial Network.

James Sprinkel is a financial advisor with Scarborough Capital Management in Annapolis, MD, holding a Series 66 credential and bringing 23 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. Outside of his advisory role, he is a 20% owner of Ballast Partners LLC, a real estate business. 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 uses an asset-allocation framework and model portfolios to construct discretionary accounts and serves a diverse client base, including institutional clients and retirement plans.

John Faggio is a CFP® with 22 years of industry experience, currently serving at Foundation Wealth & Tax Advisors, LLC since 2021. He previously worked at Bestgate Wealth Advisors, LLC and has operated Faggio Financial LLC since 2004. Foundation Wealth & Tax Advisors provides portfolio management, retirement-plan and pension consulting, and financial planning services to both institutional and individual clients, including high-net-worth households. The firm uses a mix of analytical methods and documents investment objectives in client-specific policy statements, offering services such as discretionary portfolio management and digital-asset diversification through OnRamp.

Michael Zarrelli is a CFP® professional with five years of experience in financial advisory roles. He currently works at Foundry Financial LLC and previously held positions at Financial Services Advisory, Inc. and PNC Financial Services. Outside of finance, his work history includes roles in the food service industry. Foundry Financial LLC provides discretionary investment management, financial planning, and pension consulting services to individuals, high-net-worth clients, and charitable organizations. The firm uses risk-based, diversified portfolios and employs various analytical methods while maintaining adviser-held discretion to manage client portfolios.

Erik Johnson is a financial advisor at Cornerstone Advisory with 15 years of industry experience. He holds a Series 63 designation and has worked at Cornerstone Advisory since 2010, previously spending 20 years at Private Fund Advisors, Inc. He is also involved as a principal in Private Fund Advisors. Cornerstone Advisory serves a diverse client base including individuals, retirement plans, trusts, estates, charitable organizations, and corporations. The firm employs a planning-first investment process with a broad investable universe that includes traditional and alternative assets, and manages most client relationships on a discretionary basis.

Isiah Williams is a financial advisor at Audible Wealth Management with nine years of industry experience. He holds the Series 66 designation and has previously worked at Northwestern Mutual and Merrill Lynch. In addition to his advisory role, he also works as a life insurance agent. Audible Wealth Management serves individual clients, including high-net-worth households, business development clients, and retirement plans. The firm offers financial planning, portfolio management, educational seminars, and bill-pay services, utilizing a diverse investment approach that incorporates fundamental, quantitative, technical, and modern portfolio theory methods.

Gavin Johnson is a financial advisor at Cornerstone Advisory with one year of industry experience. He holds a Series 66 designation and has prior experience at Fidelity Investments and Morgan Stanley. Cornerstone Advisory serves individual clients, retirement plans, trusts, estates, charitable organizations, corporations, and a private pooled investment vehicle. The firm employs a planning-first investment process with discretionary portfolio management and offers access to a broad investable universe including traditional and alternative assets.

Joseph Hill is a financial advisor with Foundation Wealth & Tax Advisors, LLC, holding nine years of industry experience. He is the owner of Joseph Hill & Associates, an accounting and consulting firm, and has served in advisory roles at Bestgate Wealth Advisors and Court Place Advisors. In addition to his advisory work, he maintains a partial ownership interest in Makeup By Judee Jo, LLC. Foundation Wealth & Tax Advisors, LLC provides portfolio management, financial planning, and consulting services to individuals, corporations, and retirement plans. The firm uses a variety of analytical approaches and offers specialized services including pension consulting and digital asset diversification, operating from multiple offices with principals who have affiliated law and accounting businesses.

Justin Yager is an advisor at BrightPath Wealth Advisors LLC in Crofton, MD, holding Series 63 and Series 65 licenses. He has one year of industry experience, including roles at NY Life Securities LLC and New York Life Insurance Company. Prior to his advisory career, he worked in various positions outside finance, including at Strategic Value Media and Raleigh Swim School. BrightPath Wealth Advisors LLC provides discretionary asset management and financial planning services to individuals, high-net-worth clients, and certain business entities. The firm focuses on ongoing portfolio monitoring and client-specific investment policies, utilizing fundamental analysis and documented client objectives to guide investment decisions.

Kathryn Putek is a financial advisor with 13 years of industry experience, currently working at Middleton Gardiner Group, LLC since 2011. She holds a Series 65 designation and is based in Annapolis, MD. She is part of 1 North Wealth Services, LLC, a team of five advisors that provides discretionary investment management and financial planning to individuals, businesses, retirement plans, estates, trusts, and charitable foundations. The firm employs an active, discretionary approach incorporating fundamental and technical analysis and offers multiple strategies including capital preservation, total return, growth, alternatives, and sustainable investing.

Zachary Kaufman is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Armstrong, Fleming & Moore, Inc. based in Washington, DC. His background includes multiple roles at Armstrong, Fleming & Moore, Inc. and academic positions at George Washington University. Armstrong, Fleming & Moore provides portfolio management, financial planning, retirement plan consulting, and hourly consultation services, primarily serving high-income and high-net-worth individuals. The firm uses a tailored investment approach with fundamental analysis and manages portfolios over multi-year horizons, often in partnership with Commonwealth Financial Network.