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.

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.

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 Maxwell is a CFA® charterholder with 32 years of industry experience. He is the sole advisor at Maxwell Family Office, LLC, an independent firm based in Rock Hall, MD, where he has worked since 2015 under the related entity names. Maxwell Family Office is a fee-only investment advisor serving primarily individuals, family-related clients, and select charitable organizations. The firm manages balanced portfolios using fundamental analysis focused on economic and sector trends, tailoring investments across mutual funds, ETFs, equities, fixed income, alternatives, and structured products to client risk tolerances and objectives.

Kevin Caldwell is a financial advisor at Islands East Advisors with a Series 65 credential and three years of industry experience. He previously worked for WR Grace & Co in a demand planner and financial analyst role within the specialty chemicals sector, dedicating approximately 80% of his time to that position. Islands East Advisors is an independent firm providing fee-only financial planning and investment management to individuals, high-net-worth households, nonprofit organizations, and businesses. The firm combines modern portfolio theory with passive and active strategies, offers retirement plan consulting including participant education, and manages accounts on a discretionary basis while providing ongoing and project-based financial planning.

Ernest Brittingham Jr. is a financial advisor at Bayview Investment Counsel, Inc. with over 56 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Bayview since 1991. His career also includes long-term involvement with Dockside Financial Group, INT'L Asset Management, International Money Management Group, Inc., and INT'L Money Management Corp. Bayview Investment Counsel serves individuals, trusts, estates, charitable organizations, and small businesses, focusing on discretionary portfolio management and investment counseling. The firm employs a combination of fundamental, technical, and cyclical analysis and offers both long-term and short-term trading strategies tailored to client needs.

David May is the sole advisor at Osprey Capital Management, LLC, an independent firm based in Rock Hall, MD. He holds a Series 65 designation and has 15 years of industry experience, leading Osprey Capital since its founding in 2010. Osprey Capital Management is a fee-only investment adviser providing discretionary portfolio management primarily to high-net-worth individuals and select institutional clients. The firm employs a fundamental, sector-focused investment approach, emphasizing companies with low debt, strong operating margins, and reasonable valuations, and utilizes strategies ranging from long-term holdings to shorter-term trading and options within a discretionary model.

Joseph Wehr is a CFA® charterholder and holds a Series 66 license with six years of industry experience. He has worked at Maryland Capital Advisors, Inc. since 2024 and previously held roles at Dimensional Fund Advisors, PayPal, and the University of Chicago Booth School of Business. Maryland Capital Advisors provides discretionary and non-discretionary portfolio management and investment advice to individuals, families, retirement plans, corporations, and trusts. The firm employs an investment approach based on Modern Portfolio Theory and factor research, favoring passive funds and ETFs to construct diversified global, multi-asset portfolios.

Connor Chapman is a financial advisor at Maryland Capital Advisors, Inc. He holds a Series 65 designation and has been with the firm since 2022. Prior to this, he worked at Harmonic International and studied at Salisbury University. Maryland Capital Advisors provides discretionary and non-discretionary portfolio management and investment advice to individuals, families, retirement plans, corporations, and charitable organizations. The firm utilizes a Modern Portfolio Theory-based approach with a preference for passively managed funds and ETFs, managing substantial assets through a referral-only model and a compact advisory team.

John Taylor Jr. is a financial advisor at Financial Concepts Unlimited, Inc. with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Purshe Kaplan Sterling Investments since 2012 while also serving at Financial Concepts Unlimited since 2001. Outside of his advisory roles, he serves as president of a homeowners association in Syria, Virginia. Financial Concepts Unlimited serves individual and high-net-worth clients, trusts, businesses, and pension plans by providing discretionary portfolio management, financial planning, and consulting services. The firm employs model portfolios that include ETFs, mutual funds, stocks, bonds, and options, and is noted for its active management of variable annuity sub-accounts and distinctive use of margin in managed accounts.

Christopher Wilhoit is a financial advisor with Arkadios Wealth Advisors in Stevensville, MD, holding a Series 66 designation and 25 years of industry experience. His career includes prior roles at LPL Financial, Kestra Financial Services, PNC Wealth Management, and other firms. Arkadios Wealth Advisors is a multi-team SEC-registered firm that serves individuals, trusts, businesses, corporations, and retirement plans. The firm creates customized investment plans using fundamental, technical, and cyclical analysis, and offers a variety of portfolio management options including internally managed accounts, model portfolios, wrap-fee programs, and third-party managers.

Kristen Owen is a financial advisor at Geneos Wealth Management, Inc. with 11 years of industry experience. She holds a Series 66 designation and has worked at Chesapeake Investment Advisors, Chesapeake Investment Services, Cetera, and Chesapeake Bank. Outside of her advisory role, she serves on the boards of Main Street Historic Chestertown and Chester River Health Foundation Inc., and is president of Ardea Advisors Inc. Geneos Wealth Management serves a diverse client base including individuals, trusts, estates, pension plans, corporations, and charitable organizations. The firm offers comprehensive financial planning and investment advisory services, employing a range of analytic approaches and strategies, with discretionary trading authority on most accounts.

Thomas Judge is a financial advisor with Arkadios Wealth Advisors in Stevensville, MD, holding a Series 63 license and 43 years of industry experience. His prior firms include LPL Financial, Wells Fargo Advisors Financial Network, Wells Fargo Clearing, and A. G. Edwards & Sons. He is also involved with Tiller Financial, LLC, a business entity used for tax and investment purposes. Arkadios Wealth Advisors is a multi-team SEC-registered firm serving individuals, trusts, businesses, corporations, and retirement plans. The firm creates customized investment plans based on client risk profiles, utilizing a variety of portfolio management approaches and incorporating fundamental, technical, and cyclical investment analysis.

Megan Penn is a financial advisor at Arkadios Wealth Advisors with 10 years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at LPL Financial LLC, Lincoln Financial Advisors Corporation, and Chesapeake Investment Planning. Outside of her advisory work, she is involved with Red Eye's Dock Bar in Grasonville, MD. Arkadios Wealth Advisors is a multi-team firm serving individuals, trusts, businesses, corporations, and retirement plans. The firm offers customized investment plans using a range of portfolio management strategies, combining fundamental, technical, and cyclical analysis.

Gordana Schifanelli is a financial advisor at B.B. Graham & Company, Inc. with 26 years of industry experience. She holds a Series 66 designation and has worked at B.B. Graham & Co. since 2011. Schifanelli is also a managing director at Schifanelli & Associates, LLC, Attorneys at Law. B.B. Graham & Co. provides investment advisory and financial planning services to individuals, pension plans, trusts, estates, corporations, and small businesses. The firm employs fundamental, technical, and cyclical analysis, offering both discretionary and non-discretionary asset management, and frequently utilizes third-party portfolio managers.

Adam Martin is a financial advisor at Arkadios Wealth Advisors with one year of industry experience. He holds a Series 66 designation and previously worked at LPL Financial. Outside of his advisory role, he has been involved with Hinckley Bay Bridge Marina since 2024. Arkadios Wealth Advisors is a multi-team SEC-registered firm serving individuals, trusts, businesses, and retirement plans with customizable investment solutions that incorporate fundamental, technical, and cyclical analysis.

Robert Schilling is a financial advisor with Realta Investment Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His career includes roles at Realta Equities, Inc., Schilling Financial, Retirement Specialists, and United Planners' Financial Services. He also operates as an independent insurance agent, selling fixed, life, and long-term care insurance. Realta Investment Advisors provides advisory and financial planning services to individuals, pension and profit-sharing plans, and institutional clients. The firm offers portfolio management, retirement-plan consulting, and estate planning, using a range of investment vehicles and emphasizing individualized strategies based on client goals and risk tolerance.

Jason Bogaczyk is a financial advisor with Arkadios Wealth Advisors, holding a Series 66 designation and 24 years of industry experience. His prior roles include positions at LPL Financial LLC, Kestra Financial Services, Sandy Spring Investment Services, PNC Wealth Management, and Truist Investment Services. Outside of his advisory work, he is involved with B.A.M. Consulting LLC, a home-based business entity for tax and investment purposes. Arkadios Wealth Advisors is an SEC-registered, multi-team advisory firm serving individuals, trusts, businesses, corporations, and retirement plans. The firm provides customized investment plans utilizing a range of portfolio management strategies and combines fundamental, technical, and cyclical investment analysis.

Michael Nickerson II is a Series 65-credentialed advisor with Independence Square Holdings, LLC, bringing one year of industry experience. His background includes roles at ISQ Capital LLC and LPL Financial, as well as teaching positions at Washington College and Gunston Day School. Outside of finance, he operates Michael's Shore Style BBQ, a regional catering business. Independence Square Holdings serves individuals, retirement plans, and institutional clients through financial planning, portfolio management, and ERISA advisory services. The firm employs a multi-team approach and integrates customized portfolios, model portfolios, and third-party solutions, with access to alternative investments and digital platform services.

Larissa Costello is a financial advisor at Ethos Financial Group, LLC with 11 years of industry experience. She holds Series 65 and Series 66 designations and has previously worked at Alden Investment Advisors, Coastal Equities, and Raymond James Financial Services, among others. Outside of her advisory role, she is involved in running an LLC with her family. Ethos Financial Group serves individuals—including high-net-worth clients—as well as trusts, estates, municipal entities, and charitable organizations. The firm combines model portfolio investment management with financial planning and consulting, utilizing diversified, risk-conscious strategies implemented through multiple investment vehicles.