Jeff Judge, CFP®, ChFC®, CLU®, AEP®, is Managing Partner of Chesapeake Financial Planners in Forest Hill, Maryland. He helps families, executives, and business owners navigate retirement, business exit, equity compensation, tax, and estate planning through the firm's proprietary R.U.D.D.E.R. Method™ — a structured six-step process for aligning wealth with life goals. A 2005 graduate of Goucher College, Jeff began his career in regional and national banks before joining MetLife in 2011 and founding his first firm a year later. He co-founded Chesapeake Financial Planners with Mark Rossbach, CPA, in 2017. Jeff is a Kiplinger contributor, a Five Star Wealth Manager (2017–2026), and an NAEPC-affiliated estate planner. He leads financial-literacy workshops for Fortune 500 and mid-sized employers across the Mid-Atlantic. Securities offered through LPL Financial, Member FINRA/SIPC. Advisory services through Great Valley Advisor Group, a separate RIA. Jeff lives in Forest Hill with his family.

John Ciesielski is a CFA® charterholder and Series 63 licensee with four years of industry experience. He has been with R.G. Associates, Inc., an independent firm based in Towson, MD, since 1992. R.G. Associates provides discretionary investment management for individual investors through separately managed accounts, focusing on a bottom-up, value-oriented stock selection process based on fundamental microeconomic analysis and detailed financial reporting. The firm serves clients with concentrated, long-term, long-only portfolios and also offers limited financial analysis consulting for institutional clients.

Graeme Woods is the sole advisor at G.S. Woods Wealth Management with 16 years of industry experience. He holds the ChFC® designation along with Series 65 and Series 63 licenses. Apart from his advisory role, he manages GSW Trading Company, a wholesale import and export business, and serves as CEO of Multi Arbitrage Capital Solutions, a firm focused on risk consulting, insurance production, and business acquisitions. G.S. Woods Wealth Management serves individuals, families, small businesses, professionals, charitable organizations, and employee benefit plans through financial planning, insurance advice, business planning, and pension consulting. The firm emphasizes goals-based planning and long-term strategic asset allocation without managing client assets directly, referring clients to third-party asset managers and offering specialized services including an AI-based budgeting application and programs for veterans and public service personnel.

Christopher Yeagle is a financial advisor at Honeygo Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch and Life Plan Financial. Yeagle’s background also includes over a decade at TJ Distributors, Inc. Honeygo Financial provides investment management and comprehensive financial planning to individual clients, serving both mass-affluent and high-net-worth households. The firm employs a Modern Portfolio Theory-based approach, primarily using passive strategies with index mutual funds and ETFs, and emphasizes documented investment policies, tax efficiency, and coordination with outside tax and legal professionals.

If you are analytical, love details, and have higher standards and expectations for your financial advisor, we should talk. Our service model is high touch, very personalized, and as detailed oriented as you can get. We specialize heavily in retirement income planning and customization. We also pride ourselves in our very in depth, proactive tax planning. We are veteran-owned, real fiduciaries, and would love the opportunity to show you what we can do.

Antoine Orr is the sole advisor at Plancorr Wealth Management, LLC in Nottingham, MD, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Plancorr Wealth Management since 2008 and has operated as a self-employed insurance agent since 1998, dedicating significant time to his independent insurance services. Plancorr Wealth Management provides fee-only financial consulting and personalized planning to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm emphasizes detailed analyses including investment portfolio cost-benefit and risk management, retirement income planning, and insurance reviews, delivering advice through consultations and written reports without taking custody of client assets.

Charles Kares is the principal advisor at C.T. Kares Advisory Group, Inc. in Abingdon, MD, holding Series 63 and Series 65 credentials with 11 years of industry experience. He has led his independent advisory firm since 1999. C.T. Kares Advisory Group provides investment advisory services to individuals, retirement plans, trusts, estates, and charitable organizations, managing accounts on a non-discretionary basis. The firm emphasizes long-term, buy-and-hold strategies using predominantly no-load and load-waived mutual funds tailored to each client’s objectives and risk tolerance.

Stephen Olah is a CFP® and PFS™ credentialed financial advisor with 29 years of industry experience. He is the principal of Towson Financial Advisors, LLC, where he has worked since 2016. In addition to his advisory work, he maintains a CPA practice focused on tax return preparation and consulting. Towson Financial Advisors provides portfolio management and financial planning services to individual and high-net-worth clients, applying modern portfolio theory with a long-term trading approach and managing accounts on a discretionary basis.

Walter Hoffman is the sole advisor at Hoffman Financial Consultants in Belcamp, MD, with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Osaic Wealth, Inc. and SagePoint Financial, Inc. Hoffman also sells term life insurance as an independent contractor. Hoffman Financial Consultants provides investment advisory and financial planning services to individuals, trusts, and estates. The firm offers non-discretionary advice with a long-term buy-and-hold investment approach, incorporating both fundamental and technical analysis, and emphasizes personal client contact.

Brandon Barrett is a financial advisor at Elbrus Partners, LLC in Baldwin, MD, with 14 years of industry experience. He holds a Series 66 designation and has worked at Kissinger Financial Services, LLC and Mmhk LLC. Outside of advising, he manages operations of an apartment complex in Baltimore, MD. Elbrus Partners is a small SEC-registered investment adviser managing about $11.2 million for approximately 22 individual and high-net-worth clients. The firm uses a global tactical asset allocation approach combined with fundamental and quantitative analysis, and incorporates derivatives and short-selling strategies within its managed asset program.

Marcie Flynn is a financial advisor with Monarch Financial, LLC in Fallston, MD. She holds Series 65 and Series 66 designations and has six years of industry experience, including three years at Morgan Stanley Smith Barney LLC. Monarch Financial LLC offers wealth management, discretionary investment management, and financial planning to individuals, high-net-worth clients, trusts, and estates. The firm primarily constructs portfolios using ETFs, mutual funds, individual stocks, and bonds, following a long-term approach that incorporates both fundamental and technical analysis.

Gregory Bowser is a CFP® professional with 39 years of industry experience, currently serving at Safe Harbor Retirement Planners. His prior roles include fourteen years at Safe Harbor Financial Group LLC and ongoing involvement with Asset Management Services, Inc. Since 2025, he has also operated Cruisin the Bay Tours LLC. Safe Harbor Retirement Planners provides discretionary asset management and retirement-plan advisory services to individual and high-net-worth clients, using a globally diversified approach focused on low-cost index ETFs and individual equities. The firm offers tailored investment strategies with ongoing monitoring and conducts educational seminars and workshops for the public.

Jakob Kelly is a financial advisor at Chesapeake Capital Management, LLC with a Series 65 credential and two years of industry experience. Prior to joining Chesapeake Capital Management, he worked in various roles including at Ram Landscaping and State Farm. Outside of advisory work, he has worked as a restaurant waiter at Liberatore's Ristorante & Catering since 2020. Chesapeake Capital Management serves individual and high-net-worth clients by providing portfolio management and financial planning through a team of seven advisors. The firm offers both discretionary and non-discretionary advisory solutions, client education programs, and a wrap-fee management option.

Eric Bowser is a financial advisor at Safe Harbor Retirement Planners with nine years of industry experience. He holds a Series 65 designation and has worked with Asset Management Services, Inc., WealthMax Advisors, LLC, and has a long-term association with Safe Harbor Financial Group, LLC. In addition to his advisory role, Bowser is involved with Harford Community College in a non-investment capacity. Safe Harbor Retirement Planners provides discretionary asset management, financial planning, and retirement-plan advisory services to individual and high-net-worth clients. The firm employs a globally diversified investment approach primarily using low-cost index ETFs and individual equities, with ongoing monitoring and tailored allocation strategies.

Melissa Miller is a financial advisor at Sovereign Financial Services, LLC in Phoenix, MD, holding a Series 65 designation with 10 years of industry experience. She has been with Sovereign Financial Services since 2010. Outside of her advisory role, she owns Sovereign Insurance Service, where she works as a licensed agent for life, health, home, and auto insurance. Sovereign Financial Services provides comprehensive financial planning and discretionary portfolio management, primarily serving trusts, businesses, and organizations rather than individual retail clients. The firm employs a five-step planning process and emphasizes diversified allocations using low-cost index funds and short- to medium-term fixed income investments, managing approximately $78.2 million in discretionary assets.

Douglas Robinson is a financial advisor at DouglasBradley LLC with 20 years of industry experience. He holds the Series 66 designation and has been with DouglasBradley LLC since 2005. Outside of his advisory role, he also serves as a member manager of an independent real-estate management entity, separate from his financial advisory work. DouglasBradley LLC provides investment portfolio management and financial planning to individuals, families, trusts, estates, and family businesses. The firm employs a tailored, discretionary approach focusing on income-producing securities and offers flexible engagement structures while managing approximately $84 million for about 75 client households.

Vincent Silvestri is a financial advisor at Silvestri Financial and Tax Advisors, Inc. with 12 years of industry experience. He holds a Series 66 designation and has previously worked at Sageguard Investment Advisory Services and Chesapeake Capital Management. In addition to his advisory role, he manages tax preparation services for individual federal and state tax returns annually. Silvestri Financial and Tax Advisors, Inc. provides financial planning, consulting, and tax-aware planning to individuals and corporations, including high-net-worth clients. The firm directs clients to third-party portfolio managers after due diligence and employs model allocations and tailored recommendations to align investments with client goals and risk tolerances.

Henry Godfrey is a Series 66-licensed financial advisor with Safe Harbor Retirement Planners in Abingdon, MD, bringing 20 years of industry experience. He has worked with Asset Management Services, Inc. since 2009 and has been associated with Safe Harbor Financial Group LLC since 2000. Outside of advisory duties, he is also an insurance agent involved in insurance sales. Safe Harbor Retirement Planners offers discretionary asset management and retirement-plan advisory services to individual and high-net-worth clients. The firm employs a globally diversified investment approach centered on low-cost index ETFs and individual equities, with ongoing portfolio monitoring and adjustments based on client objectives.

Shawn Miller is a financial advisor at Sovereign Financial Services, LLC in Phoenix, MD, holding Series 63 and Series 65 licenses with 10 years of industry experience. He has been with Sovereign Financial Services since 2010. Sovereign Financial Services provides comprehensive financial planning and discretionary portfolio management primarily for trusts, businesses, and organizations rather than individual retail clients. The firm employs a five-step planning process and emphasizes diversified allocations using low-cost index funds and conservative fixed income instruments, managing approximately $78.2 million in discretionary assets.

Randy Packett is a financial advisor at Chesapeake Capital Management, LLC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Chesapeake Capital Management since 2015, previously serving at Sageguard Investment Advisory Services and Chesapeake Financial Solutions, where he remains active as a licensed insurance agent. Outside of finance, he is CEO and board member of Regalworks Media, an independent film studio, and is a partner in Evolved Hospitality Group, a restaurant and catering business. Chesapeake Capital Management, LLC serves individual and high-net-worth clients with portfolio management and financial planning services. The firm operates as a team of seven advisors, offering both discretionary and non-discretionary advisory solutions alongside client education and communications, and sponsors a wrap-fee program to provide bundled fee management options.