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.

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.

Jeff Mitchell is the principal of JRM Capital Management Inc., an independent advisory firm based in Mitchellville, MD. He holds Series 63 and Series 65 licenses and has 27 years of industry experience. Prior to founding JRM Capital Management in 2003, he has been associated with Lifemark Securities Corp. since 2009. JRM Capital Management provides investment advisory and financial planning services to individual and institutional clients, including pension plans, trusts, and charitable organizations. The firm employs both fundamental and quantitative analysis to manage portfolios across various asset classes and offers specialized pension consulting services alongside unique engagement models such as performance-based fees and subscription publications.

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®.

Julian Ball is the principal of Ball Wealth Management LLC in Owings, MD, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 3 years of industry experience and has operated his independent advisory firm since 2004. Ball Wealth Management LLC is a single-advisor registered investment adviser providing discretionary portfolio management to individuals and various institutional clients, including qualified retirement plans, trusts, and corporate pension plans. The firm uses fundamental analysis and a long-term buy-and-hold investment approach, with continuous portfolio monitoring and customized investment policy statements for each client.

Zaneilia Harris is a Certified Financial Planner® with 19 years of experience, currently serving as the sole advisor at Harris and Harris Wealth Management Group, LLC since 2009. She holds Series 63 and Series 65 licenses and engages in insurance sales and public speaking related to investments. Harris is also an author and participates in investment-related speaking engagements. Harris and Harris Wealth Management Group provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm offers non-discretionary, fee-based portfolio supervision using fundamental and technical analysis, asset allocation guided by modern portfolio theory, and client education through workshops and retreats.

Michael Barnes is a financial advisor at True North Advisory, LLC, an independent registered investment adviser. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to founding True North Advisory in 2020, he was with Tlg Advisors, Inc. from 2013 to 2016. In addition to his advisory work, Barnes serves as a federal police officer with the U.S. Department of Homeland Security and operates a gun safety and permit eligibility training business. True North Advisory serves individual clients, trustees, corporations, and retirement plans, providing investment management, financial planning, retirement-plan consulting, participant education, and hourly consulting. The firm primarily uses third-party model platforms and operates on a non-discretionary, co-advisory basis, with a small client base and a focus on integrating technology such as AI for research and note-taking.

Freddie Cook is the managing member of Cook Wealth Management, LLC in Bowie, MD, with 14 years of industry experience. He holds the PFS™ designation and Series 63 and 66 licenses. Cook also operates Accurate Tax and Accounting Services, where he provides tax preparation, and is involved in insurance sales through Cook Financial Services, LLC. Cook Wealth Management, LLC is an independent advisory firm that offers financial planning and consulting, facilitating access to third-party portfolio managers rather than directly managing client assets. The firm primarily serves high-net-worth individuals and business entities, focusing on evaluating financial situations, recommending outside managers, and monitoring their performance.

Douglas Hayes is a financial advisor with Legacy Investing & Wealth Management LLC, holding a Series 65 designation and four years of industry experience. Prior to founding his firm in 2020, he worked at Rentokil from 2016 to 2020. Outside of advisory work, he owns and manages Legacy Development LLC, a company focused on residential real estate renovation and sales in the Washington, DC area. Legacy Investing & Wealth Management LLC provides discretionary asset management and packaged hourly financial advisory services to individuals and entities, including companies, trusts, estates, and charitable organizations. The firm emphasizes asset allocation and diversification using low-cost ETFs, periodic rebalancing, liquidity management, and selective hedging, serving both individual and institutional clients.

Mark is a CERTIFIED FINANCIAL PLANNER™ professional located in Edgewater, Maryland. He provides personalized financial planning and investment management services to business owners, federal government employees, and U.S. military service members. As a former federal employee and U.S. Marine, he is familiar with the challenges you face and knows how to help you reach your financial goals. Mark’s personal experiences taught him budgeting skills, saving strategies, and how to invest. He earned undergraduate and graduate degrees in business administration and personal financial planning, which have equipped him with the knowledge and skills to provide comprehensive financial planning and investment management services to his clients.

Rianka R. Dorsainvil, CFP®, is a dynamic leader and the visionary Founder and Senior Wealth Advisor at YGC Wealth, an inclusive, culturally competent and technology-forward financial planning firm. She has been celebrated as a top financial advisor for multiple consecutive years by Investopedia (most recently in 2023) and Washingtonian Magazine (most recently in 2024), as well as recognized by NerdWallet as a Black Financial Influencer to follow. Rianka is a recognized leader whose expertise is sought after both nationally and internationally. As a mother of two and an established leader, Rianka recently relaunched the firm as YGC Wealth, nodding to her roots while marking a new era of growth and service. The name YGC Wealth is both a homage to our original ethos and a representation of her evolution into a full-spectrum wealth management firm. Her approach to financial planning, deeply rooted in the empowerment of first-generation wealth-builders, transforms financial well-being into a cornerstone of personal achievement. As a past national president of the Financial Planning Association (FPA) NexGen community, Rianka has played a pivotal role in shaping the future of financial planning. Her influence extends through her active roles in CNBC's Digital Financial Advisor Council and the CFP Board’s Diversity Advisory Group. Her thought leadership has been featured across top media outlets including PBS NewsHour, Forbes, and CNBC, and she has been honored as a rising star by Investment News and one of Wealth Management’s Ten to Watch. Rianka’s commitment to diversity, equity, and inclusion in finance is unwavering. She believes that financial success should be accessible to all and that understanding and integrating one’s money culture is key to achieving sustainable financial balance. Through YGC Wealth, she continues to guide clients toward financial strategies that not only accumulate wealth but also foster a lasting, impactful legacy.

Dahlia Daley is a financial advisor at Daley Capital, Inc. with 15 years of industry experience. She holds the ChFC® designation and securities licenses Series 63, 65, and 66. In addition to her advisory role, she owns an independent insurance practice, dedicating about 10 percent of her time to this business. Daley Capital, Inc. provides personalized investment management and financial planning primarily for individual clients, high-net-worth individuals, trusts, estates, retirement plan participants, and small businesses. The firm emphasizes diversified, long-term portfolios guided by modern portfolio theory and the Fama–French three-factor model, utilizing ETFs and no-load mutual funds with discretionary management and periodic rebalancing.

William Fields is a Series 65-licensed financial advisor with nine years of industry experience. He is the sole advisor at WD Financial Solutions, where he has worked since 2021. Prior to this, he held roles at PFS Investments Inc. and Primerica Financial Services. Outside of his advisory work, Fields serves as a consultant for Optimum Homes, Inc. and Optimum Business Services. WD Financial Solutions is an independent, state-registered investment adviser serving individuals, trusts, estates, charitable organizations, and small businesses. The firm offers investment management, financial planning, retirement plan consulting, educational seminars, and estate-planning facilitation through an independent LegalShield representative, employing a mix of fundamental, technical, and cyclical analysis alongside both active and passive strategies.

Nicholas Boyd is an investment advisor at Calvert Wealth Management, Inc. with seven years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Calvert Wealth Management since 2018, as well as at APW Capital, Inc. and Addison Group. Calvert Wealth Management is a three-advisor registered investment adviser serving individuals, trusts, estates, charitable organizations, profit-sharing plans, and business entities. The firm manages discretionary portfolios using a range of model portfolios and asset classes, emphasizing asset allocation over market timing, and provides fiduciary and educational services for employer-sponsored retirement plans.

John Stone is a financial advisor at Calvert Wealth Management, Inc. in Dunkirk, MD, holding a Series 66 designation with 16 years of industry experience. He has worked at APW Capital, Inc. since 2011 and at Calvert Financial Advisory since 2008. Outside of his advisory role, he is also a licensed insurance agent for life and variable products. Calvert Wealth Management serves individuals, trusts, estates, charitable organizations, and employer-sponsored retirement plans, offering discretionary portfolio management alongside comprehensive wealth planning and financial consulting. The firm emphasizes asset allocation with diversified portfolios and combines retail wealth management with fiduciary services for employer plans.

Kelly Sheahan is a financial advisor at Calvert Wealth Management, Inc. in Dunkirk, MD, holding a Series 65 designation with nine years of industry experience. She has been with Calvert Wealth Management since 2012. Calvert Wealth Management serves individuals, trusts, estates, charitable organizations, and employer-sponsored retirement plans, offering discretionary portfolio management alongside wealth planning and financial consulting. The firm emphasizes asset allocation over market timing and maintains diversified, risk-based portfolios with regular reviews.

Brandon Wolf is a CFP® with six years of industry experience, currently advising at Evermay Wealth Management, LLC. His prior roles include positions at Novotny, Larash, Venters & Wolf LLC and Ameriprise Financial Services, LLC. Outside of his advisory work, he is involved in consulting through Consilarus LLC and participates in charitable activities via the Consilarus Foundation Inc. Evermay Wealth Management is an SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, and retirement plans. The firm employs a team-centric model with tailored service levels and integrates investment management with tax and estate planning through affiliated and third-party resources.

Laura Ruiz is a financial advisor at Widmann Financial Services with 26 years of industry experience. She holds the Series 66 designation and has worked at Widmann Financial Services since 2009, including her current tenure starting in 2022, as well as at Commonwealth Financial Network since 2009. Widmann Financial Services offers discretionary asset management, financial planning, and consulting services to individuals, families, businesses, and charitable organizations. The firm employs a hybrid, research-driven investment approach that integrates third-party analysis and conducts financial education seminars in collaboration with outside professionals.

Mark Mollon is a financial advisor at CSP Financial Group LLC with 15 years of industry experience. He holds a Series 65 designation and has previously worked at LifeTyme Financial Group, LLC, LifeTyme Financial Advisors, LLC, and Legacy Builder Group. In addition to his advisory role, he is licensed as a life insurance agent and receives commissions from life insurance products. CSP Financial Group provides discretionary asset management, financial planning, and retirement-plan services to individuals, high-net-worth clients, and business entities. The firm emphasizes portfolio construction and monitoring aligned with Modern Portfolio Theory, uses third-party managers for model allocations, and manages held-away workplace accounts with a focus on tax-efficient asset location and rebalancing.

William Gaines Jr. is a CFP® professional with seven years of industry experience. He is affiliated with Commonwealth Financial Network and co-owns Widmann Financial Services, where he provides financial planning and asset management services. His prior experience includes roles at Northwestern Mutual and GWM, Inc. Commonwealth Financial Network is a registered investment adviser that supports a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs, including discretionary model portfolios and personalized indexing, while providing operational, compliance, and practice-management support.