William Warner is a financial advisor with Gradient Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has worked at Gradient Advisors since 2021 and has been with Main Street Financial Group since 2001, where he is involved in retirement and financial planning as well as life insurance and annuity sales. Gradient Advisors, LLC provides investment management, financial planning, and consulting services to individuals and various institutional clients. The firm supports a large network of advisors and employs a combination of fundamental, technical, and cyclical analysis to tailor strategies, typically delivering portfolio services on a non-discretionary basis.

Wade Kauffman is a financial advisor at Packerland Brokerage Services, Inc. with 23 years of industry experience. He holds the Series 66 designation and has worked at Packerland since 2016 and at Kent Mittrick and Associates since 2015. Packerland Brokerage Services, Inc. serves individuals, charities, corporations, and retirement plan sponsors with financial planning, portfolio management, and advisory program access. The firm offers both brokerage and advisory solutions through various account management options and utilizes the Hilltop/Envestnet platform to deliver its services.

Kyle Dixon is a financial advisor with Mariner Independent, holding a Series 66 designation and 12 years of industry experience. His prior roles include positions at Valic Financial Advisors and Agia. He is currently associated with Connect Wealth and Mariner Platform Solutions. 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 managers, and retirement plan services, supported by institutional resources and affiliated investment entities.

Gary Stringer is a CFA® charterholder with 27 years of industry experience. He is currently affiliated with Shelton Capital Management and serves as President and Chief Investment Officer of Stringer Asset Management, a registered investment adviser. His career includes roles at RFS Partners and Matrix 360 Distributors. Shelton Capital Management provides investment management services to mutual funds, institutional investors, retirement plans, governmental entities, nonprofits, and individuals. The firm employs a multi-disciplinary investment approach incorporating fundamental, technical, and quantitative analysis, with some strategies utilizing options and derivatives, as well as ESG screening and data-science tools in stock selection.

Corey Truss is a financial advisor at Navy Federal Investment Services, LLC with eight years of industry experience. He holds Series 65 and Series 66 licenses. Prior to joining Navy Federal, he worked at LPL Financial for seven years and Tower Federal Credit Union for ten years. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union along with individual, trust, and institutional clients, providing financial planning, retirement-plan fiduciary services, and portfolio management. The firm uses third-party portfolio managers on the Envestnet platform and offers a range of advisory and brokerage services.

Raymond Harrison is a financial advisor at Lombard Advisers Incorporated with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Lombard Securities since 2003 and Painewebber Incorporated since 1987. Outside of advising, he is involved in outside insurance sales. Lombard Advisers provides personalized investment management services to individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. The firm employs both discretionary and non-discretionary programs and uses a variety of analytical methods to construct and monitor portfolios, with a majority of assets managed on a non-discretionary basis allowing clients to retain final trading authority.

Yolanda Degrange is a CFP® with 18 years of industry experience, currently serving at John Hancock Personal Financial Services, LLC. She has worked with John Hancock and its affiliated entities since 2019 and previously at Diversified Investors Securities Corp. from 2012 to 2019. Outside of her financial advisory role, she is registered as an agent for a makeup-related business but is not involved in its daily operations. John Hancock Personal Financial Services, LLC offers financial planning, consultative services, and an Emergency Savings program to a diverse client base, including individuals, trusts, and non-profits. The firm uses technology-assisted, written financial plans that advisors review, providing a scalable service model with a notably high client load per advisor.

Brian Davis is a financial advisor at Apollon Wealth Management, LLC with 10 years of industry experience. He holds a Series 65 designation and has worked at CIC Wealth, LLC and Commonwealth Financial Network prior to joining Apollon Wealth Management. He is also involved with Clearview Consulting, Inc, which he has been associated with for over a decade. Apollon Wealth Management serves a diverse client base including individuals, high-net-worth clients, families, businesses, and charitable organizations. The firm offers comprehensive advisory services and employs a hybrid investment approach combining centrally managed strategies with local portfolio decision-making, incorporating tax-aware tools and alternative investment options.

Chelsea English is a CFP® professional with nine years of industry experience, currently with Root Financial Partners. Prior to joining Root, she worked at Lee, Sipe and Associates and Serving Those Who Serve, among other roles. Outside of advising, she occasionally provides pet-sitting services. Root Financial Partners offers investment management and comprehensive financial planning to individuals, trusts, estates, small businesses, and select retirement-plan clients. The firm emphasizes broadly diversified, passive investment strategies tailored to client goals and risk profiles, and provides educational programming alongside its advisory services.

Danita Yetter is a CFP® professional with five years of industry experience, currently serving at Cape Investment Advisory, Inc. She has worked with several firms including American Global Wealth Management, Inc. and The Prudential Insurance Company of America. Outside of her advisory role, she is involved in long-term care insurance sales and provides notary services for the Government Employee Benefits Association. Cape Investment Advisory, Inc. serves a diverse client base including individuals, businesses, and various trusts and retirement accounts. The firm offers portfolio management, financial planning, and access to a variety of asset managers, using a process that incorporates client-specific financial goals and risk tolerance with data-driven asset allocation strategies.

Stephen Mazer is a financial advisor with Mariner Independent in Annapolis, MD, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at Cetera, Sageview Advisory Group, United Income, Capital One Investing, and HSBC. He is also involved with Rational Wealth Solutions, offering investment advisory services. Mariner Independent provides investment advisory, financial planning, and consulting services to individuals, trusts, charitable organizations, corporations, and employer-sponsored retirement plans. The firm’s platform supports model portfolios, discretionary management, and offers retirement plan services with integrated fiduciary support and access to institutional resources through affiliated entities.

William Hufnell is a CFP® professional with nine years of industry experience, currently serving at Modera Wealth Management, LLC since 2024. Prior to this, he worked for Annapolis Financial Services, LLC/Bay Point Wealth from 2011 to 2024. Outside of his advisory role, he serves as Programs Chair for the Anne Arundel Estate Planning Council and Treasurer for the Neighborhood Association of Ridgely's Delight. 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, utilizing diversified portfolios of mutual funds, ETFs, individual securities, and selective strategies such as ESG integration and private placements.

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.

Wayne Green is a financial advisor with KCD Financial, Inc. based in Elkridge, MD, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior roles include positions at Osaic Wealth, Inc., Securities America Advisors, The Patriot Financial Group, and Verus Capital Partners. Outside of his advisory work, he is an owner and agent of Associates Marketing LLC, where he consults on insurance, estate planning, and precious metals. KCD Financial, Inc. is a registered investment adviser and broker-dealer serving individuals, corporate pension plans, and charitable organizations. The firm employs a variety of analytical methods and investment strategies, offering both advisory and managed account services through third-party platforms.

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 with Mariner Independent, holding Series 66 and Series 63 credentials and one year of industry experience. Her professional 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 financial planning, portfolio management, retirement plan consulting, coordinated tax support, insurance solutions, and access to alternative investments through a network of 119 investment adviser representatives.