John Bell is a CFP®-certified financial advisor with 21 years of industry experience. He is currently the sole advisor at Free State Financial Planning, LLC, having previously worked at Charles Schwab and Ameritrade, Inc. Beyond his advisory work, he serves as a FINRA arbitrator and acts as the financial secretary and council member of St. Paul's Lutheran Church, where he manages donation tracking and budgeting. Free State Financial Planning LLC provides fee-only financial planning services to individuals, high-net-worth clients, and businesses. The firm’s guidance is based on Modern Portfolio Theory, emphasizing passive investments through low-cost ETFs and no-load mutual funds, and focuses on delivering educational resources without discretionary investment management.

Hi, I'm Steve. I've loved financial planning ever since I was a kid watching the ticker tape on CNBC as my mom, a homemaker learned about finances herself. I grew up in a very frugal household who taught me about working hard and saving for the future. My mother was a homemaker or "domestic engineer" as she calls it and my father was a federal employee. I was fortunate to be introduced to Rita Abel and become the owner of her small, family owned financial planning firm in 2019. Today we work with approximately 60 families. What makes us unique is our passion to be "accountability partner's" for our clients to ensure they take care of the important financial matters in their lives. We are part financial advisors and party financial therapists for our married couples but most importantly we are organized, proactive and have a passion for financial planning. Looking forward to meeting and if you want to know more, I encourage you to read our google reviews online. Just search "Abel Financial Reviews" in google.

Jeremy joined Flower City Capital in February of 2026, bringing extensive experience advising individuals and families on their wealth management goals. As a Senior Wealth Advisor, he delivers a highly personalized approach to financial planning, building trusted, long-term relationships while thoughtfully addressing complex financial needs. Prior to joining Flower City Capital, Jeremy was a Financial Advisor at Turning Point Financial. He holds the Certified Financial Planner (CFP®) and Certified Private Wealth Advisor (CPWA) designations. Jeremy graduated from Hood College in Frederick, Maryland with a Bachelor of Arts in Business Administration with a concentration in Finance. He lives in Hagerstown, Maryland, with his wife Emily and their daughter, Abigail. In his free time, he enjoys playing basketball, spending time outdoors, and watching sports.

Roy Beyer is the sole advisor at Priority Financial Advisors, LLC in Frederick, MD, with 19 years of industry experience. He holds Series 63 and Series 65 credentials and has been involved with Capwest since 2007 and the Wycoff Stock Market Institute since 1992. Outside of advisory work, he owns a music performance business providing live music at private events. Priority Financial Advisors is an independent registered investment adviser serving individual and high-net-worth clients with ongoing investment supervisory services and hourly financial planning. The firm uses a defined Investment Policy Statement tailored to each client and employs a mix of charting, fundamental, technical, and cyclical analysis to build diverse portfolios, while offering complimentary educational seminars and maintaining a very small client roster managed solely by the principal advisor.

Patricia Bush is a CFP® and Series 65-registered advisor at AAA Advisory LLC with six years of industry experience. She has worked at Bestgate Tax & Accounting Advisors, LLC and Squire, Lemkin + Company, LLP, where she held various roles including tax consulting. Alongside her advisory work, she provides tax review and preparation services as a tax consultant. AAA Advisory LLC offers project-based financial planning and tax preparation services primarily through virtual meetings. The firm serves individual clients, including high-net-worth individuals, focusing on limited-scope engagements and non-discretionary investment recommendations that emphasize long-term, passive asset-allocation strategies without portfolio management or asset-based fees.

Robert Sandler is the principal and sole advisor at Robert A. Sandler, LLC, an independent firm based in Clarksville, MD. He holds a Series 65 designation and has eight years of industry experience, including four years at Element Fleet Management prior to founding his current firm in 2017. Robert A. Sandler, LLC provides personalized financial planning and investment management primarily for individual clients, focusing on diversified, low-cost index mutual funds and ETFs with a buy-and-hold approach. The firm emphasizes customized risk profiles, periodic rebalancing, and operates on a fee-only basis without commission arrangements or custody of client assets.

Jeyamariappan Ganapathy is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has been the sole advisor at Samatva Wealth Management LLC since 2015 and previously worked at Senaissance Software. Samatva Wealth Management provides personalized financial planning and investment management to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm operates on a fee-only basis and focuses on a long-term investment horizon using fundamental analysis and discounted cash flow techniques, with portfolios diversified primarily through actively managed mutual funds.

Patrick Tuma is a CFP® professional with 23 years of experience in financial advising. He has worked at Financial Dimensions, Inc. from 1997 to 2024 and has been the principal of Tuma Financial, LLC since 2016. In addition to his advisory role, he also practices as an accountant, providing services outside the advisory business. Tuma Financial, LLC offers portfolio management and financial planning primarily to individual and high-net-worth clients. The firm uses fundamental analysis and modern portfolio theory for asset allocation and security selection, combining long-term strategies with options trading while maintaining documented risk tolerances and quarterly account reviews.

Christopher Ruspi is a CERTIFIED FINANCIAL PLANNER™ professional with 36 years of industry experience. He has been with Applied Financial Wisdom since 2012 and also maintains an affiliation with LPL Financial. Outside of his advisory work, he owns a travel blog. Applied Financial Wisdom provides discretionary and non-discretionary asset management, comprehensive financial planning, and retirement-plan allocation services to individuals, high-net-worth clients, and business entities. The firm’s investment approach is based on a proprietary top-down forecast that incorporates fundamental, technical, and cyclical analysis, utilizing sector rotation, ETFs, individual equities, fixed income, and, when appropriate, options and margin strategies.

Maureen Mcshane is a financial advisor at Capital Investment Management Inc. with 20 years of industry experience. She holds a Series 66 designation and has worked at Capital Investment Management since 2007, following a prior role at H. Beck, Inc. Mcshane is also licensed as an independent insurance agent. Capital Investment Management provides non-discretionary investment supervisory services primarily to individuals and high-net-worth clients, including trusts, estates, IRAs, and 401(k) accounts. The firm’s approach centers on diversified, risk-based allocations implemented mainly through mutual funds and Modern Portfolio Theory, with ongoing client approval of investment actions.

Brian Wee is a CFP® professional with 15 years of industry experience, currently serving as the principal of Homewood Capital Management East LLC since 2017. He previously worked at Homewood Capital Management, Inc. from 2013 to 2018. Outside of his advisory role, Brian is a licensed real estate agent and insurance agent based in Woodbine, MD. Homewood Capital Management East LLC provides portfolio management and financial planning services to individual clients, focusing on long-term, diversified investment strategies grounded in modern portfolio theory. The firm emphasizes documented risk tolerance and time horizons, offering both discretionary and non-discretionary management, with regular portfolio reviews.

Gregory Rhines is a financial advisor with Wealth Builders Financial Group LLC in Westminster, MD. He holds a Series 65 designation and has 21 years of experience in the industry. He has been with Wealth Builders Financial Group since 2005 and has operated Wealth Builders, Inc. since 1992. Outside of his advisory role, he serves as president of Wealth Builders CPA & Consultants, a management position he has held since 1992. Wealth Builders Financial Group is a fee-only registered investment adviser serving individuals, pension and profit-sharing plans, trusts and estates, and corporate/business entities. The firm uses fundamental security analysis and primarily recommends mutual funds for diversification, managing approximately $38 million in assets for nearly 500 clients.

Christopher Shematek is a CFP® and ChFC® with 27 years of industry experience. He has been with Cobalt Financial Partners LLC since 2005, concurrently affiliated with LPL Financial. Outside of his advisory work, he serves as the Business & Economics Department Chair and instructor at Glenelg Country School, where he teaches economics and business courses and supports student-run business projects. Cobalt Financial Partners provides portfolio management and financial planning to individuals, high-net-worth clients, business entities, and pension and profit-sharing plans. The firm focuses on asset allocation, rebalancing, and modern portfolio theory, generally operating on a non-discretionary basis and managing approximately $108 million primarily through mutual funds and ETFs.

Harvey Robinson is a CFA® charterholder with 6 years of industry experience, currently serving as the sole advisor at Robinson Capital Group in Dayton, MD. He has been affiliated with Robinson Capital Group since 2003 and has concurrent roles at Gerson Lehrman Group and Robinson Kirlew & Associates since 2012. Robinson Capital Group is an independent, fee-only investment management firm serving individual and institutional clients, including pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm utilizes a fundamental research process and a value-oriented investment approach, focusing on diversified, risk-adjusted portfolios with discretionary management and formalized investment policies.

Michael Granata is the sole advisor at MG Financial Services, an independent firm based in Finksburg, MD. He holds a Series 65 designation and has 4 years of industry experience. Granata also owns and operates an accounting and tax services business outside of his advisory role. MG Financial Services provides discretionary portfolio management and general investment advice to individual investors, trusts, estates, retirement accounts, and business entities. The firm employs a dividend-growth, buy-and-hold investment approach focused on industry-leading companies and integrates tax preparation and accounting services with its client offerings.

My name is Matthew, your advisor at Cadence Planning. I entered the professional world as a teacher. For over six years, I spent time with students, developed after-school robotics programs, and relished the opportunity to educate and empower the people around me. That is why, I believe it is important for clients to understand, I entered the financial world as a teacher as well. The passion for teaching never left me. I had witnessed, first hand, the impact education has on someone's self-confidence, security, and semblance of joy. And I carry this approach with me into my advising. In 2006 I decided to leave teaching altogether to work full-time as a tax accountant. I took and passed each section of the EA exam between 2009 and 2010, receiving my EA designation in March 2011. I've been given the opportunity to present to my peers at conferences and in 2012 was honored to be a recipient of the “Outstanding Young Professionals Award” from the Maryland Society of Accountants. In 2021, I completed the Financial Planning Program at the Boston Institute of Finance at Bryant University and subsequently passed the CFP exam and earned my CFP Marks. It's been a hard but rewarding journey and has left me feeling empowered to help clients. That is why I love what I do.

Kurt Houghton is a financial advisor at Safe Harbor Investment Advisors, LLC with 26 years of industry experience. He holds the Series 66 designation and has been with Safe Harbor since 2007. Safe Harbor Investment Advisors provides discretionary portfolio management for individual investors and advisory services to retirement plan sponsors, businesses, and nonprofit organizations. The firm employs fundamental equity analysis and diversified holdings to implement tailored investment strategies and offers both discretionary and non-discretionary services for ERISA retirement plans.

Brandon Crabb is a financial advisor at Red Sky Capital Management with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cambridge Investment Research, Inc. since 2010. He also operates Crabb Financial Strategies, an independent insurance agency. Red Sky Capital Management provides portfolio management, financial planning, and consulting services to a diverse client base including individuals, high-net-worth investors, trusts, foundations, corporations, and pension plans. The firm’s investment approach combines fundamental and technical analysis with quantitative algorithms and risk management, emphasizing diversification and capital preservation.

Catharine Fairley is a CFP® and Series 66-registered financial advisor with 13 years of industry experience. She is the principal of Catharine Fairley Planning Group LLC, an independent firm based in Frederick, MD. In addition to financial planning, she owns and operates a separate CPA firm, Catharine Fairley, CPA LLC, where she spends most of her professional time. Her firm provides fee-only, hourly financial planning services to individuals, business owners, and trustees, with an emphasis on tax and divorce-related financial planning. The firm offers a long-term, buy-and-hold investment approach using diversified, no-load mutual funds and ETFs, and maintains a non-implementation service model without discretionary authority or asset management.

Patrick Ferguson is a financial advisor at Intentional, LLC with 17 years of industry experience. He holds a Series 66 designation and has worked at firms including Purshe Kaplan Sterling Investments and Commonwealth Financial Network. In addition to his advisory role, Ferguson is licensed to sell fixed and traditional insurance products. Intentional provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, as well as retirement plan consulting for businesses and institutions. The firm combines fundamental, technical, and economic analysis in its investment approach and offers due diligence and monitoring of alternative and private investments for qualified investors.