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.

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.

Michael Hoffman is a CFP® with 18 years of industry experience, currently serving as Co-Managing Director of Forty W Advisors. He previously worked at Verdence Capital Advisors and held roles at Hightower Securities and Hightower Advisors. Forty W Advisors delivers comprehensive wealth management across three critical areas: financial administration, proactive tax-aware planning, and investment management with institutional access. Together, these services help align your personal wealth, family priorities, and business strategy into one coordinated plan, with the goal of reducing complexity and maximizing post-tax wealth.

Daryan Lenz is a CFP®-designated financial advisor with 15 years of industry experience. He is the sole advisor at Lenz Integrity Financial, an independent firm he has been affiliated with since 2016. Lenz Integrity Financial serves individual, high-net-worth, and charitable organization clients, offering discretionary portfolio management and standalone financial planning. The firm’s investment approach combines modern portfolio theory with other strategies such as technical analysis, model allocations, and option strategies, typically using exchange-traded funds and model portfolios.

Hi, I’m Matt. My job as a financial planner is to make your life simpler. To help you efficiently and effectively narrow down your options, so you can make the right decisions. And be confident in those decisions for the long-term. Financial planning and investment management are often muddied by unnecessary complexity (usually in an effort to sell you something). It doesn’t need to be this way. I began my career in the financial services industry in 2003 as an analyst with the due diligence law firm Snyder Kearney, LLC (Columbia, MD). At Snyder Kearney, I reviewed public and private securities offerings and evaluated national securities sponsoring companies, focusing on real estate investments and non-traditional investment products. It was there that I realized that I wanted to know more about the practice of law and a lot more about the pretty co-worker in the cubicle next to me, Sylvie. I earned my law degree in 2007 from the University of Baltimore School of Law and married Sylvie in 2008; further proof that education and personal relationships are the investments that produce the best returns. After law school, I practiced law with the firm David Albert & Associates, LLC (Bethesda, MD), focusing in estate planning and administration, guardianship administration, taxation of estates and trusts, and business formations. There, I recognized that helping clients through complicated and often stressful issues was intellectually stimulating and emotionally fulfilling. In 2010, I opened Patuxent Financial Partners, LLC, registered as an Investment Adviser with the State of Maryland in 2017. Here, I leverage my legal background to provide clients with value-added insight in the overlapping areas of estate and financial planning. More importantly, as a personal financial planner and small business owner, I can build lasting relationships with clients and their families; these connections make my work fulfilling, because client success becomes intertwined with my own. I am a CERTIFIED FINANCIAL PLANNER™ practitioner and hold the FINRA Series 65 securities registration. Raised in Columbia, Maryland, I graduated from McDaniel College with a bachelor's degree in English. Outside of the office, I enjoy running, reading, and hiking with my wife, son, and our mutt hound, Kodi.

D'urville Christopher Sr. is affiliated with DAC Financial Advisors, Inc. and holds a Series 65 credential. He has experience working with various organizations, including American Military University, Purdue Global Law School, and the U.S. Navy, where he served for 24 years. He is also involved with One Christopher Group, Inc. and World Financial Group Insurance Agency. DAC Financial Advisors, Inc. is a fee-based registered investment adviser that provides portfolio advisory, financial planning, and consulting services to individuals, families, trusts, retirement plans, and other entities. The firm focuses on non-discretionary portfolio oversight, recommending independent third-party investment managers, and offering flexible financial planning arrangements.

Robert Sandler is the sole advisor at Robert A. Sandler, LLC in Clarksville, MD, holding a Series 65 designation with nine years of industry experience. Prior to founding his independent firm in 2017, he worked for four years at Element Fleet Management. Robert A. Sandler, LLC provides personalized financial planning and investment management primarily to individual clients. The firm focuses on diversified, low-cost index mutual funds and ETFs, employing a buy-and-hold strategy with regular rebalancing and tailored asset allocations based on client risk profiles.

Stephen Lee is a CFP® with 46 years of industry experience, currently serving as the principal of Lee Financial Group, Inc. in Columbia, MD. He has previously worked at Raymond James Financial and Commonwealth Financial Network. Outside of financial advising, he is the owner of a law office specializing in wills and trusts and serves on the advisory board of a local high school’s Future Business Leaders of America program. Lee Financial Group provides individualized financial planning and wealth-management advice to individuals, families, trusts, estates, and charitable organizations, focusing on a written financial plan and follow-up consultations. The firm does not act as a custodian or provide discretionary asset management, and recommendations may include mutual funds, ETFs, stocks, bonds, and separately managed accounts, with fees charged on a fixed or hourly basis.

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.

David Merkel is a CFA charterholder and principal of Aleph Investments, LLC, an independent advisory firm he founded in 2010. He has 15 years of industry experience. Outside of his advisory work, he maintains AlephBlog.com, a website providing educational content for investors since 2007. Aleph Investments manages discretionary portfolios primarily for individual investors, as well as charitable organizations and small pension clients. The firm employs fundamental equity analysis and a risk-conscious fixed income approach, offering strategies including a yield-oriented balanced portfolio and customizable accounts, with features such as hedged equity options and client-imposed ethical restrictions.

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.

John Gillick is a CFP® with four years of industry experience currently serving as the sole advisor at Adenry Wealth LLC in Columbia, MD. His prior experience includes roles at Commonwealth Financial Network, Financial Council, Inc., and The Colony Group. Adenry Wealth LLC provides discretionary asset management, financial planning, and an online educational workshop to individuals, small businesses, trusts, estates, and high-net-worth clients. The firm’s investment approach is based on modern portfolio theory, offering customized asset allocation using mutual funds and ETFs, with portfolio reviews that include rebalancing and tax-loss harvesting.

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.

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.

John Fremont Smith is the sole advisor at Friends Wealth Management in Ellicott City, MD, holding Series 63 and Series 65 licenses with 26 years of industry experience. His prior roles include positions at Ameriprise Financial, Calamos Advisors LLC, and several Prudential entities. He is also a licensed insurance agent. Friends Wealth Management offers portfolio management and comprehensive financial planning for individuals, high-net-worth clients, and business entities. The firm employs a combination of analytic approaches and manages accounts directly, providing both discretionary and non-discretionary services aligned with client-specific investment policies.

WHO WE SERVE We specialize in working with three types of clients: 🔹 High-Net-Worth Retirees — You've built significant wealth and want a coordinated plan to make it last. We help you design a sustainable, tax-efficient retirement income strategy, optimize Social Security timing, and ensure your assets are structured to support a 30+ year retirement. 🔹 Pre-Retirees (50s–early 60s) — You're in the final years of your career with serious assets and serious decisions ahead. We help you model retirement readiness, execute Roth conversion strategies, and build a transition plan so you retire on your terms. 🔹 High-Earning Professionals (30s–40s) — Your income is strong but your financial picture is complex — equity compensation, rising taxes, multiple accounts, and long-term goals competing for attention. We bring structure and strategy to the complexity. WHAT WE DO We offer fee-only, advice-only financial planning — no products, no commissions, no conflicts of interest. ✅ Retirement Income Design — Building sustainable, tax-efficient withdrawal strategies for 30+ years ✅ Roth Conversion & Tax Planning — Identifying multi-year windows to reduce lifetime tax burden ✅ Equity Compensation Planning — RSUs, ISOs, NSOs, ESPP — timing, taxation, and concentration risk ✅ Portfolio Construction & Risk Management — Evidence-based investing aligned to your goals ✅ Comprehensive Financial Planning — A coordinated, big-picture approach across all areas of your finances WHY WORK WITH US 🔹 Featured in Business Insider, Forbes, Fortune, Investopedia, and U.S. News & World Report. 🔹 No Sales. No Commissions. Just Advice. — Our only priority is your financial success. 🔹 Institutional-Grade Expertise — 10+ years managing $800M+ institutional portfolios before founding Wealthwyzr. 🔹 Complex Topics, Simplified — We translate financial complexity into clear, actionable decisions. 🔹 Fiduciary, Fee-Only — We always act in your best interest, with complete transparency.

Zhi Wang is the sole advisor and owner of Genesis Capital Management, LLC, an independent firm based in Ellicott City, MD. He holds the CFA® designation and Series 63 license, with 13 years of industry experience. Mr. Wang has a long tenure at OneMain and World Financial Group, Inc. Outside of advisory work, he is involved in statistical analysis and operational support within the lending industry. Genesis Capital Management provides discretionary portfolio management and financial planning to individuals, businesses, and institutional clients. The firm offers balanced and alternative managed-account strategies that incorporate proprietary analytical models and valuation techniques, with an emphasis on options trading and portfolio monitoring.