Heinrich Brandt is the sole advisor at Brandt Wealth Advisors, LLC in Centreville, MD, holding Series 63 and Series 65 designations with 25 years of industry experience. He has led Brandt Wealth Advisors since its founding in 2012. Outside of his advisory work, Brandt is involved in local community organizations including the Choptank Puritan Club and serves on the advisory board for Healthy Families Queen Annes/Talbot, focusing on early childhood and young parent education. Brandt Wealth Advisors provides fee-based investment advisory and portfolio management services to a range of clients, including individuals, retirement plans, trusts, estates, charitable organizations, and business entities. The firm employs a tactical allocation approach using fundamental, technical, and cyclical analysis, incorporating higher-risk instruments and trading strategies, and manages assets on a discretionary basis without imposing account minimums.

Raymond Gazelle Jr. is a CFP® professional with 19 years of experience, operating as the sole advisor at his independent firm, Raymond L. Gazelle Jr., since 2005. His background includes providing consulting services to small banks on internal operations and data processing. The firm offers comprehensive financial and investment planning services to individuals as well as corporate and nonprofit clients, frequently collaborating with financial officers or committees. It uses a long-term, strategic portfolio allocation approach focused on asset allocation, diversification, and mutual fund and ETF selection, delivering advice on a consultative, non-discretionary basis without managing client assets.

Alex is the founder of Clear Advisors, a fee-only financial planning firm based in Maryland. He founded the firm with a simple belief: investors are better served by focusing on the financial decisions they can control than by trying to predict the next market move or chase the next hot stock. Instead, Alex helps clients optimize the areas that have the greatest long-term impact on their financial lives—taxes, retirement income, investment costs, savings, and the countless planning decisions that shape financial success. Financial planning has been part of Alex's life for as long as he can remember. Having a father who spent a long career as a financial advisor gave him an early look at both the strengths and shortcomings of the traditional wealth management model. After earning a bachelor's degree in finance, becoming a CERTIFIED FINANCIAL PLANNER™ professional, and beginning his career advising clients on retirement, tax, and investment planning, Alex founded Clear Advisors to build the kind of firm he would want as a client: flat fees, no commissions, no asset gathering, and planning that goes far beyond just managing investments. What Alex enjoys most is uncovering planning opportunities that can make a meaningful difference in someone's financial future, whether it's identifying a Roth conversion strategy that could save substantial taxes over a lifetime, developing a retirement income plan that provides greater confidence, or helping clients make smarter financial decisions year after year. His goal is simple: to help clients keep more of what they've earned, reduce financial uncertainty, and retire with confidence.

Robert Clark is a CFP® professional with 26 years of experience in the financial advisory industry. He founded Clark Company in 2017 after 12 years at National Planning Corporation. Clark also provides tax preparation and fixed insurance services as part of his practice. Clark Company advises individual clients as well as pension and profit-sharing plans, offering portfolio management and financial planning services. The firm primarily manages client accounts on a non-discretionary basis, focusing on client-approved strategies, and combines advisory and insurance brokerage services.

Thomas Campi is a CFP® and Series 66-registered advisor with 22 years of experience. He is the sole advisor at Index Portfolio Tools Advisors, an independent firm he has led since 2011. In addition to his financial advisory work, Thomas is a board-certified psychiatrist practicing adult and child psychiatry, and he is involved in mental health media and intellectual property ventures related to wellness. Index Portfolio Tools Advisors provides fee-based investment management and asset allocation advice to individuals, trusts, estates, small businesses, and retirement plans. The firm manages approximately $20 million in client assets, utilizing market index data and academic research to guide portfolio construction with stocks, mutual funds, ETFs, and municipal securities.

Christopher Oland is a financial advisor at Harmony Wealth Advisors, LLC with nine years of industry experience. He holds the Series 65 and Series 66 designations. He has worked at Harmony Group, Inc. since 2015 and at Harmony Wealth Advisors, LLC since 2021. Outside of advising, he is a passive owner of Preserve, a restaurant in Annapolis, MD, and serves as President of the Southern Maryland Little League. Harmony Wealth Advisors, LLC provides portfolio management and financial planning services to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm manages approximately $22 million in assets and employs a non-discretionary, long-term investment approach informed by cyclical and fundamental analysis along with modern portfolio theory.

Jacolyn Wetmore is the principal advisor at JWC Capital Management, LLC, an independent firm based in Annapolis, MD. She holds Series 63 and Series 65 licenses and has 15 years of industry experience, including prior roles at United Income, Inc. and Calvert Investment Counsel. JWC Capital Management provides fee-based, individually tailored portfolio management services to individuals, qualified retirement plans, trusts, estates, and charitable organizations. The firm employs fundamental analysis and manager-level evaluation primarily with exchange-traded funds, mutual funds, exchange-listed securities, and corporate debt, offering both discretionary and non-discretionary management.

My path to founding a wealth management firm is different than most. As a child, my dream was to become a fighter pilot. After graduating from the United States Naval Academy with a degree in Aerospace Engineering, I achieved that goal, serving on active duty for a decade. I flew the F-18E Super Hornet from aircraft carriers and deployed multiple times to the Western Pacific. After those deployments, the Navy sent me to UNC Kenan-Flagler Business School to study finance, followed by the privilege of teaching undergraduate economics at my alma mater. After transitioning from active duty, I applied the skills I honed in the cockpit and classroom—leadership, effective communication, process improvement, and strategic decision-making—to multiple entrepreneurial ventures. My career as a financial planner is a natural extension of my passion for solving problems and serving others. With a background in engineering, military flight operations, top-tier business education, and collegiate economics instruction, I bring a unique perspective to wealth management: * Tenacity – Giving up is never an option. Just as a fighter pilot must persist in the air, I am relentless in helping my clients succeed. * Calm Under Pressure – I have a proven ability to think clearly in high-stakes situations, whether in the military or financial markets. I will not panic when volatility arises. * Candor – In aviation and life, speaking up is critical when the stakes are high. I will always provide honest advice, even when it’s uncomfortable. Living near Annapolis, Maryland, I cherish time with my family and enjoy Navy football, traveling, boating, and improving my golf game. I also continue to serve as a member of the U.S. Navy Reserves. Ventus Wealth Management — After a decade in the workforce, I became increasingly frustrated by the lack of financial services that truly met my needs. I couldn’t find a firm or advisor that offered the right combination of: ☑️A transparent fee and incentive structure ☑️ A flexible, client-focused service model ☑️ Modern technology solutions ☑️ Virtual meeting capabilities ☑️ Expertise tailored to my specific situation Recognizing this gap, I launched Ventus Wealth Management to address these shortcomings. Everything we do is designed with our clients in mind. Every element of our service and business model is intentionally crafted to deliver value and provide solutions that meet your needs.

Nicholas Lumpp is a financial advisor at RCN Wealth Advisors, Inc. in Stevensville, MD, holding a Series 66 designation with 13 years of industry experience. He has been with RCN Wealth Advisors since 2012. RCN Wealth Advisors is an independent firm providing fee-only financial planning and discretionary investment management to individuals, high-net-worth clients, trusts, corporations, and an exchange-traded fund. The firm combines long-term, value-oriented portfolio construction with tactical, rules-based allocations and serves as sub-adviser and co-sponsor of the RCN Pareto Strategic Allocation ETF, which employs a systematic trend-following strategy across multiple asset classes including digital assets such as bitcoin.

William Tilghman is the sole advisor at Tilghman Wealth Management, LLC in Arnold, MD. He holds a Series 65 designation and has four years of industry experience, including time at Markin Asset Management, LP. Prior to his financial career, he worked in several roles including at Annapolis Yacht Sales and Compass Languages. Tilghman Wealth Management offers personalized financial planning and investment management to individuals, families, trusts, estates, and family-owned businesses. The firm employs a fee-only advisory model and utilizes tailored investment strategies that include individual securities, mutual funds, ETFs, and separately managed accounts with risk management techniques such as dynamic asset allocation and the use of derivatives.

Fletcher Perkins is a CFA® charterholder with 22 years of industry experience. He has been the sole advisor at Acara Capital Management, LLC since 2018, following three years as a personal trader. Acara Capital Management serves individual and high-net-worth clients with discretionary portfolio management through focused and diversified investment approaches. The firm emphasizes concentrated equity positions combined with a variety of asset classes and employs a multi-method analysis process, managing approximately $24.7 million in assets under management.

Michael Hocker is a Series 65-licensed financial advisor with CTG Wealth Management LLC, where he has worked since 2023. He has two years of industry experience and previously held positions at the Defense Acquisition University from 2013 to 2019. CTG Wealth Management LLC provides fee-only investment management and financial planning services to individuals, high-net-worth clients, and charitable organizations. The firm manages discretionary portfolios using a combination of passive and active strategies and serves a significant non-U.S. client base, which introduces cross-border considerations into its planning and custody decisions.

Lorie Scheibel is the principal of Smarter and Wise, an independent financial advisory firm, with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Cambridge Investment Research Advisors and Lincoln Financial Advisors. Scheibel also serves as adjunct faculty at Anne Arundel Community College and operates as an independent insurance agent. Smarter and Wise provides financial planning and discretionary wealth management to individuals nearing retirement, high-net-worth clients, and sponsor-level retirement plans. The firm employs a planning-first approach centered on a comprehensive RetireSmarter process, incorporating risk modeling and ongoing portfolio management, and offers specialized investment real estate planning alongside retirement plan advisory services.

Edwin Stone is a financial advisor at Shore Financial Advisors, LLC with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Connectyourcare and Tred Avon Family Wealth. In addition to his advisory role, he operates a business consulting LLC. Shore Financial Advisors, LLC is an independent, single-advisor firm providing tailored portfolio management to high-net-worth individuals, charitable organizations, and business entities. The firm employs a variety of analytical methods and investment instruments, offering both discretionary and non-discretionary services while focusing on customized client solutions.

Liz Yoder is the owner of Dependent Financial Planning, specializing in serving individuals with disabilities, their families and organizations that support and employ them nationwide. Her clientele ranges from those with high support needs to those requiring less intensive assistance. The company’s goal is to facilitate pathways toward greater independence and integration for individuals with disabilities through financial planning. After college, Liz resided in a L’Arche home, where she served as a live-in direct support provider and community member for adults with Intellectual and Development Disabilities (IDD), alongside four other caregivers. She spent her time in the community building relationships and learning from her housemates and the IDD advocate community. The experience fueled her determination to assist families and individuals with navigating the complexities of government benefits. Liz pursued certification as a CFP® professional to advocate on their behalf. Liz holds a B.A. in Speech Language Pathology and Audiology from Loyola University in Maryland. She received her CFP® designation in 2020. She also has received the designation of Chartered Special Needs Consultant or ChSNC®.

Michael Parks is a CFP® with 12 years of industry experience. He is the sole advisor at Upraise Wealth Advisory, LLC and has previously worked at Edward Jones and Fidelity Investments. Upraise Wealth Advisory, LLC is a fee-only registered investment adviser serving individuals and high-net-worth clients with wealth management and project-based financial planning. The firm’s approach combines passive and active strategies focused on asset allocation, fundamental analysis, and due diligence of mutual funds and ETFs, with client accounts reviewed quarterly and tailored to individual goals.

John Persico is the sole advisor at Persico Asset Management in Severna Park, MD. He holds Series 63 and Series 65 licenses and has 4 years of industry experience, alongside 25 years at Peregrine Capital Management, LLC / PERSICO Capital, LLC. Persico Asset Management is a fee-only independent advisory firm managing approximately $90.3 million across 88 client relationships. The firm serves individuals, trusts, estates, small businesses, charitable organizations, and pension or profit-sharing plans, employing a core-and-satellite investment approach with a range of instruments and an explicit pension consulting practice.

Charles Ryan is a CFP® professional with 13 years of experience in financial advising. He is affiliated with Atlantic Financial Planning LLC and has a concurrent career at United Airlines since 1998. Atlantic Financial Planning LLC provides fee-only financial planning and investment advisory services to individual and family clients. The firm uses a goal- and risk-based process to recommend target asset allocations, primarily employing a long-term, buy-and-hold strategy with index funds and ETFs, and operates on an hourly engagement model without discretionary trading authority or custody of client assets.

Peter Penoyar is a financial advisor with Meridian Financial Group in Arnold, MD, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Westminster Financial Securities, Inc. since 2004 and has been with Meridian Financial Group since 1997. Meridian Financial Group provides investment management and financial-planning services to individuals, families, trusts, estates, small businesses, and sponsors of defined-contribution plans. The firm employs a conservative, institutionally influenced approach emphasizing strategic asset allocation and global diversification, constructing customized portfolios with a mix of passive and active investment vehicles.

Norval Thompson is a financial advisor at St. Michaels Asset Management with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Quoin Capital LLC and N.E. Thompson & Co., where he currently serves as CEO of a holding company affiliated with his advisory firm. St. Michaels Asset Management provides discretionary portfolio management to individuals, trusts, retirement plans, and small businesses, emphasizing a socially responsible investment approach that combines macroeconomic and fundamental analysis. The firm manages approximately $3.6 million in client assets across about 60 accounts and offers tailored portfolios that address clients’ cash-flow needs and investment restrictions.