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.

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.

Bobby Thomas is a financial advisor at EquityCompass Investment Management, LLC with 16 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Stifel and Choice Financial Partners since 2007. EquityCompass provides model portfolios, discretionary management, and investment commentary primarily to financial intermediaries, sponsor firms, and institutional clients, while also serving individual and trust accounts. The firm combines fundamental analysis with quantitative, rules-based models to construct focused, generally equal-weighted strategies across multiple asset classes.

David Staab is a financial advisor at Foundation Wealth & Tax Advisors, LLC in Annapolis, MD. He holds a Series 65 designation and has been with the firm since 2025. Prior to joining Foundation Wealth & Tax Advisors, he worked as a staff accountant for RCN & Associates. Foundation Wealth & Tax Advisors provides portfolio management, retirement-plan and pension consulting, and financial planning to both institutional and individual clients, including high-net-worth households. The firm employs a mix of analytical methods and offers discretionary portfolio management alongside participant account services and digital-asset diversification through its OnRamp service.

Bruce Kromminga is a financial advisor at Westbourne Investment Advisors Inc. in Annapolis, MD, holding Series 63 and Series 65 licenses with 11 years of industry experience. He has worked at Westbourne Investment Advisors since 2016 and has been associated with Bay Bridge Capital Management since 2007. Westbourne Investment Advisors provides discretionary portfolio management to individuals, trusts, pension plans, and nonprofit organizations, managing approximately $359 million across about 420 accounts. The firm employs an equity-oriented, buy-and-hold strategy with typical equity allocations between 60% and 90%, using fundamental analysis supported by computer screens and technical review.

Matthew Smiler is a ChFC® credentialed financial advisor with six years of industry experience. He has worked at Baltimore-Washington Financial Advisors since 2019 and previously at Katzabosch from 2012 to 2019. He is based in Columbia, MD. Baltimore-Washington Financial Advisors is a fee-only wealth management firm serving individuals, families, trusts, estates, foundations, and nonprofit organizations. The firm focuses on model portfolio strategies overseen by a weekly investment committee, emphasizing diversified allocations and long-term capital growth, while integrating tax considerations into financial planning and portfolio management.

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® professional with 16 years of experience in financial advisory services. He is currently with Choreo Partner Alliance, LLC and has held roles at Foundation Wealth & Tax Advisors, Bestgate Wealth Advisors, Integrated Wealth Concepts, and Lombardo Ayers & Company, LLC. He is also a managing partner and part owner of the accounting firm Lombardo Ayers & Company, LLC, and a partner in Kram McCarthy Ayers & Frost, LLC. Choreo Partner Alliance, LLC evaluates prospective individual and high-net-worth clients to determine if they would benefit from professional investment advisory services and refers them to affiliated advisers without managing client assets or accepting custody. The firm’s referral-based model and $0 assets under management distinguish it within the investment-manager category.

Ian Arrowsmith is a financial advisor at Scarborough Capital Management in Annapolis, MD, holding Series 63 and Series 65 licenses with 29 years of industry experience. He has worked at Independent Financial Group, LLC since 2018 and has been with Scarborough Capital Management since 2013, previously working at SII Investments, Inc. from 2008 to 2017. Outside of advisory work, he is a 20% owner of Ballast Partners LLC, a real estate sales and property management 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, including third-party models from BlackRock’s Aladdin® platform and Invesco, to manage discretionary accounts while allowing advisor discretion for client suitability.

Tyler Cunningham is a CFP® professional with nine years of industry experience, currently serving as an advisor at Baltimore-Washington Financial Advisors. Before joining the firm in 2021, he worked at T. Rowe Price from 2016 to 2021. Baltimore-Washington Financial Advisors provides fee-only wealth management services to individuals, families, trusts, estates, foundations, and nonprofit organizations. The firm employs a team-based, holistic approach that integrates investment management, tax services, and business advisory to align strategies with clients’ goals and tax situations.

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 industry experience. He has worked at Foundry Financial LLC since 2026 and previously held roles at Financial Services Advisory, Inc., PNC Financial Services, and other organizations. Foundry Financial provides discretionary investment management, financial planning, and pension consulting to individuals, high-net-worth clients, and charitable organizations. The firm manages approximately $232.6 million in discretionary assets across multiple offices, employing diversified, risk-based portfolios that include mutual funds, ETFs, stocks, bonds, and cash.

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.

Ike Elele is a CFP® professional with eight years of industry experience, currently serving at Capitalwize, LLC. His prior roles include positions at Ameriprise, T. Rowe Price, Morgan Stanley Private Bank, and several other financial services firms. Outside of finance, he teaches ballroom dance classes monthly for the University Park Junior Cotillion. Capitalwize is a fee-only financial planning firm serving individuals and business entities, focusing primarily on non‑high‑net‑worth clients. The firm provides a range of advisory engagements and group educational seminars, commonly utilizing third-party managers for portfolio management while maintaining ongoing oversight and client communication.

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 in Annapolis, MD, holding eight years of industry experience. He is an accountant and owner of Joseph Hill & Associates, which provides consulting services to other accounting firms and holds an interest in a former RIA. He is also a minority owner of a cosmetics business, Makeup By Judee Jo, LLC. Foundation Wealth & Tax Advisors offers portfolio management, retirement-plan and pension consulting, and financial planning to both institutional and individual clients, including high-net-worth households. The firm employs a variety of analytical methods and provides services such as discretionary portfolio management and digital-asset diversification, while also conducting due diligence on third-party managers and platforms.