Todd Hall is a financial advisor with Principal Advised Services, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Principal Advised Services since 2022 and has also worked with Principal Securities Inc. and Principal Life Insurance Company since 2006. Principal Advised Services offers investment advice and related services primarily to retirement plan participants and retail IRA clients, combining third-party tools like Morningstar with proprietary models and discretionary investment management. The firm operates as part of the Principal Financial Group, leveraging affiliated entities for a comprehensive suite of financial products and services.

Erin Villamizar is a CFP® professional with one year of experience at Modera Wealth Management, LLC. She previously worked for eight years at Red Oak Financial Group and two years with Baltimore County Public Schools. Outside of finance, she volunteers as a musician with various local jazz bands and community music groups in the Towson, MD area. Modera Wealth Management serves individuals, trusts, corporations, and plan sponsors with a range of services including wealth management, portfolio management, retirement plan consulting, and financial planning. The firm uses a diversified asset allocation strategy based on Modern Portfolio Theory and combines investment management with in-house accounting, tax services, and business coaching.

Gregory Karanzalis is a financial advisor at Mariner Independent with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Valic Financial Advisors and Mutual Advisors, LLC. Outside of his advisory role, he serves as a notary public and is involved in managing a family real estate investment LLC. Mariner Independent provides investment advisory, financial planning, and consulting services to a diverse client base including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm supports both model portfolio and discretionary management approaches, offering access to affiliate investment resources and specialized retirement plan services.

Martin Hopkins is a CFP® with 22 years of industry experience, currently serving at Modern Wealth Management, LLC since 2024. Prior to this, he worked at Wealth Management Solutions and founded Hopkins Investment Management, LLC. He is also the manager of the general partner for a private fund through Hopkins Capital Partners GP, LLC. Modern Wealth Management provides investment advisory and integrated planning services to a diverse client base, including individuals, trusts, pension plans, and corporations. The firm employs a centralized portfolio management model and offers a range of services such as discretionary investment management, financial and tax planning, estate assistance, and ERISA plan services.

William Moir is a CFP® and Series 66 licensed advisor with five years of industry experience. He currently works at Modera Wealth Management, LLC and has previously held positions at firms including Abich Financial Wealth Management, OSAIC, and Merrill. There are no reported outside business activities. Modera Wealth Management provides wealth management, portfolio management, retirement plan consulting, and financial planning services to individuals, trusts, corporations, and plan sponsors. The firm combines diversified asset allocation based on Modern Portfolio Theory with in-house accounting and tax services, supporting over 130 advisors and managing approximately $17.7 billion in assets.

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.

Joseph Feldman is a CFP® professional with 24 years of industry experience, currently serving at ValMark Advisers, Inc. since 2005. He holds the Series 66 designation and is based in Annapolis, MD. Outside of his advisory role, he is involved in health insurance sales through GBS, Inc. ValMark Advisers, Inc. provides investment management, financial planning, and retirement plan advisory services to individuals, including high-net-worth clients, plan sponsors, and institutional users. The firm offers diversified, goal-based portfolios primarily implemented with mutual funds, ETFs, and third-party managers, supported by proprietary platforms and extensive due diligence.

Nicole Belanger is a financial advisor at Mariner Independent with credentials including Series 63 and Series 66 and one year of industry experience. Her background includes roles at Mariner Platform Solutions, Connect Wealth, and Fidelity Investments. Mariner Independent serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers a range of financial planning and investment management services, utilizing firm-built model portfolios and customized discretionary portfolios supported by affiliated and third-party managers.

Alex Pagnotta is a financial advisor with Integrity Advisory Solutions in Annapolis, MD, holding a Series 65 license and one year of industry experience. He has worked as an attorney specializing in estate and trust law at Sinclair Prosser Gasior since 2018 and operates a polygraph examination business through Alex Squared LLC. At Integrity Advisory Solutions, he provides estate planning clients with advice on aligning and investing their assets. Integrity Advisory Solutions serves individuals, trusts, estates, corporations, and other business clients through a network of approximately 100 independent advisors managing about $1.1 billion in client assets. The firm offers portfolio management, financial planning, retirement plan consulting, and model portfolio programs, utilizing a range of asset-allocation strategies and third-party platforms.

Johnny Brown Jr. is a financial advisor at Lombard Advisers Incorporated with 19 years of industry experience. He has worked at Lombard Securities Incorporated since 2009 and previously at Edward Jones from 2007 to 2009. Additionally, he prepares individual income tax returns on a part-time basis during tax season. Lombard Advisers provides investment management services to individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. The firm offers both discretionary and non-discretionary portfolio management using a variety of analytical methods and manages approximately $670 million in assets, primarily on a non-discretionary basis.

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.

Charles Feldman is a ChFC® credentialed financial advisor with ValMark Advisers, Inc., bringing 56 years of industry experience. He has been with ValMark Advisers since 2001 and has operated his own advisory business since 1967. Feldman serves as co-trustee and co-director of family foundations and trusts and manages investment partnerships involving his immediate family. ValMark Advisers provides investment management, financial planning, and retirement plan advisory services to individuals, plan sponsors, and institutional clients through a network of approximately 280 investment advisory representatives. The firm utilizes diversified, goal-based model portfolios emphasizing multi-asset allocation, employing mutual funds, ETFs, and approved third-party managers, and offers a range of proprietary and third-party investment platforms and solutions.

Joshua Mazer is a CFP® with 39 years of industry experience, currently advising at Thurston Springer Advisors. His prior roles include 13 years at Wells Fargo Advisors Financial Network LLC and previous positions at Morgan Stanley Dw Inc., Truist Securities, and A. G. Edwards & Sons, Inc. Outside of his advisory work, he serves as a registered lobbyist educating state legislators on HPV vaccination and holds a senior policy advisor role at the Department of Health and Human Services. Thurston Springer Advisors serves individual and high-net-worth clients, as well as corporations, foundations, estates, and employer-sponsored retirement plans, offering financial planning, portfolio management, and fiduciary services. The firm employs a range of investment strategies, including both buy-and-hold and active models, and integrates services across affiliated broker-dealer and insurance entities.

Ian Cully is a CFP® and holds a Series 65 license with nine years of industry experience. He is currently an advisor at Ritholtz Wealth Management, where he has worked since 2025. Prior to joining Ritholtz, he spent seven years at Aspire Wealth Architects and three years at Wealthcare Capital Management. Ritholtz Wealth Management serves individual and institutional clients by providing portfolio management, financial planning, retirement plan consulting, and college financial planning. The firm manages approximately $9.4 billion in assets and emphasizes a goal-based investment approach that incorporates behavioral finance principles and diversified, low-cost ETFs alongside tactical overlays and alternative investments.

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.

Douglas Coe is a CFP® professional with 17 years of industry experience. He is currently affiliated with Mariner Independent and previously worked at Valic Financial Advisors for 15 years. Outside of his advisory role, Coe holds ownership interests in an oil and gas investment LLC and a conservation easement investment group. Mariner Independent provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, trusts, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, model portfolios, third-party manager access, and retirement plan services through an integrated platform supported by institutional and sub-advisory resources.

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.

Kevin Peterson is a CFP® with 15 years of industry experience, currently serving as an advisor at Mariner Independent. His prior roles include positions at Connect Wealth, Mutual Advisors, LLC, and Valic Financial Advisors. Outside of his advisory work, he coaches the golf team at Broadneck High School in Annapolis, MD. Mariner Independent provides investment advisory, financial planning, and consulting services to a diverse client base, including individuals, trusts, charitable organizations, corporations, and employer-sponsored retirement plans. The firm offers portfolio management, access to model portfolios and third-party managers, and specialized retirement plan services through a platform that integrates institutional and retirement resources.

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.