Scarborough Capital Management is an SEC-registered investment adviser based in Annapolis, Maryland, with roots dating back to 1989. The firm primarily offers portfolio management services, financial planning, and consulting. They act as a sub-adviser to Retirement Management Systems Inc., providing advice to plan participants on employer-sponsored plans like 401(k)s. Scarborough's portfolio management services are provided on a discretionary basis, allowing them to make investment decisions without client approval. The firm charges asset-based fees for these services, with a maximum annual fee of 2.50%. Additionally, Scarborough offers financial planning services for negotiated fees ranging from $0 to $2,500. Clients can also opt for consultation services at hourly rates or flat fees. The firm does not engage in performance-based fees or block trading. Clients receive account statements from the custodian, Charles Schwab, and are encouraged to review them regularly for accuracy. Scarborough does not vote proxies on behalf of clients and does not require prepayment of fees exceeding $1,200 per client. The firm has not been involved in any bankruptcy proceedings in the past decade.

Bay Point Wealth, established in 1995 as Annapolis Financial Services, LLC, and registered with the SEC since 2015, offers discretionary investment advisory services primarily to individuals, trusts, estates, and small businesses. The firm's owners are William J. Hufnell and William J. Hufnell. Services include financial planning, investment management, and consulting. Clients can impose restrictions on investments, and the firm provides ongoing supervision of accounts. Fees are based on a percentage of assets under management, with a negotiable annual fee structure. The firm does not receive commissions and is fee-only. Investment strategies include traditional equity investments, long/short funds, and global fixed income investments. Bay Point recommends Schwab or Fidelity for custody and brokerage services. The firm does not vote proxies on client securities. Clients are responsible for voting proxies and making legal decisions. Bay Point does not have financial impairments affecting client commitments. For more information, clients can contact the Chief Compliance Officer, William James Hufnell.

Marks Wealth Management is a registered investment adviser based in Annapolis, MD, established in August 2020 by Charles Marks. The firm specializes in providing comprehensive wealth management services, including financial planning, consulting, and investment management. Marks Wealth Management operates as a fiduciary, acting in the best interests of its clients. The firm manages client investment portfolios on a discretionary basis, primarily allocating assets among various exchange-traded funds (ETFs) and occasionally utilizing mutual funds and individual securities. Clients have the option to engage the firm for additional financial planning and consulting services, with full discretion over implementation decisions. The fee structure is based on a percentage of assets under management, ranging from 2.50% for portfolios up to $499,999 to 0.75% for portfolios over $10,000,000. Marks Wealth Management does not charge performance-based fees and does not engage in side-by-side management. The firm follows a code of ethics to ensure fair and transparent practices, including providing investment advice in the best interest of clients. Clients receive regular account reviews and statements from the custodian, with the firm having the authority to exercise investment discretion on behalf of clients. Marks Wealth Management does not accept voting authority for client securities and does not provide compensation to third-party solicitors for client referrals.

1 North Wealth Services, LLC is a registered investment adviser established in 1997 and located in Annapolis, MD. The firm specializes in providing investment advisory services and financial planning. They offer discretionary investment advice, asset allocation services, and financial planning services tailored to clients' objectives, risk tolerance, and management style. The firm's investment philosophy includes a focus on capital preservation, total return, growth, and sustainable investing strategies. Clients have the option to participate in a Discretionary Managed Account Program, where the firm actively manages accounts based on client goals and preferences. The minimum new client investment in the Discretionary Management Account Program is $500,000. The firm charges advisory fees based on a percentage of the market value of account assets, with fees ranging from 1.15% to 0.60% per annum depending on the total managed portfolio assets. Financial planning services are offered on an hourly or flat fee basis, ranging from $400 hourly to $3,200 annually. The firm does not charge performance-based fees and acts as a fiduciary in clients' best interests. Clients of 1 North Wealth Services include individuals, closely-held corporations, retirement plans, estates, trusts, and Charitable Foundations. The firm does not have any disciplinary disclosures, and clients have the responsibility to vote on proxies for securities in their portfolios. The firm primarily uses no- to low-load mutual funds and ETFs for diversification. The team at 1 North Wealth Services collaborates to manage accounts, and clients receive regular account reviews and reports. The firm's Chief Compliance Officer is James Brennan, CFP, who oversees compliance and addresses client questions.

Westbourne Investment Advisors, Inc. is a registered investment advisor based in Bethesda, Maryland, established in 2007. The firm manages 420 accounts with approximately $359,090,832 in assets on a discretionary basis. They offer personalized investment portfolio management for various types of accounts, including individual, retirement, trust, corporate, pension, and non-profit accounts. The preferred minimum account size is generally $100,000, with the flexibility to accept smaller accounts that may be combined with others. Clients sign an Advisory Agreement that can be terminated at any time. The firm's investment approach includes a mix of U.S. and foreign stocks, fixed income assets, exchange-traded and mutual funds, royalty trusts, and cash reserves. They may utilize covered options and tailor portfolios based on client preferences, risk tolerance, and financial goals. WIA charges investment advisory fees up to 1.50% per annum, billed quarterly in advance. The firm does not participate in wrap fee programs and does not charge penalties for closing accounts. WIA acts as a fiduciary for ERISA accounts, ensuring no conflicts of interest in investment advice. The firm does not receive compensation for selling securities or investment products. Clients have the option to grant WIA discretionary authority for managing securities, with the firm providing ongoing account monitoring and reporting. WIA maintains a Code of Ethics and follows strict procedures for personal trading to avoid conflicts of interest. The firm does not receive soft dollar benefits and recommends broker-dealers based on execution quality. Clients may direct brokerage to preferred firms but may incur additional costs. WIA does not have solicitor agreements and does not engage in proprietary trading. The firm votes proxies in the best interests of clients and provides transparent proxy voting guidelines. Financially, WIA has no conditions impairing its ability to meet client commitments and has not been subject to bankruptcy proceedings.

Shaker Financial Services, LLC is a financial advisory firm established in 2007, with a predecessor firm dating back to 1995. The firm specializes in providing investment supervisory services on a discretionary basis, managing accounts for individuals, families, trusts, and retirement accounts. Their investment strategy focuses on Closed-End Funds (CEFs), aiming to capture discounts and enhance returns through quantitative strategies. They maintain globally diversified portfolios with specific allocations to equity funds, bond funds, and fixed income positions tailored to clients' risk levels and preferences. As of December 31, 2024, the firm managed approximately $260 million for around 350 clients. Fees are asset-based and charged quarterly, ranging from 1.50% to 1.00% based on the account size. The firm is a fiduciary, acting in clients' best interests, and does not charge performance fees. Clients typically have a minimum account size of $100,000, which is negotiable under certain circumstances. Shaker Financial Services exercises investment discretion over client accounts, with clients having the ability to place reasonable restrictions. The firm has not been involved in any legal or disciplinary events in the past ten years. Clients' accounts are held at an unaffiliated custodian, and the firm has implemented policies for voting client securities and maintaining compliance. The firm's key personnel include Robert Shaker, Kathy Shaker Baummer, and Daniel Gordon, each with specific roles and responsibilities within the firm.

The Ellerson Group, Inc. is a financial planning and investment management firm established in 1995, based in Annapolis, Maryland. The firm specializes in providing personalized financial planning and investment management services to individuals, pension and profit sharing plans, trusts, estates, charitable organizations, and small businesses. They offer fee-only services and do not sell commissioned products or act as custodians of client assets. The firm's services include financial objective determination, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Clients can choose from various agreements, including an Advisory Service Agreement with fees based on a percentage of assets under management. The minimum account size is $1,000,000, with a negotiable minimum annual fee of $7,500. Investment strategies include strategic asset allocation, globally diversified portfolios, and various securities such as equities, bonds, mutual funds, and more. The firm employs security analysis methods like fundamental and technical analysis. Clients are provided with net worth statements, periodic reviews, and performance reports. The firm has a Business Continuity Plan in place and maintains an information security program to protect client data. The principal owner, James P. Ellerson, is a 100% owner and has a Bachelor of Science degree from the University of North Carolina. The firm's advisors have bachelor's degrees and relevant financial planning certifications. James P. Ellerson serves as the principal officer and Chief Compliance Officer. The firm has no disciplinary history and does not engage in other business activities or receive additional compensation.

RCS Financial Planning, LLC is a Limited Liability Company established in November 2017, with Thaddeus N Toal Jr as the principal owner. The firm offers portfolio management services tailored to individual client goals, risk tolerance, and time horizon. Clients receive Investment Policy Statements and have the option to grant discretionary authority for securities selection and transactions. RCS follows a fiduciary duty to act in clients' best interests and avoid favoritism among client portfolios. The firm also provides ongoing financial planning services, pension consulting, and financial planning covering various aspects like investment, tax, and retirement planning. Clients may impose restrictions on investments based on personal values. RCS charges asset-based fees for portfolio management and fixed fees for financial planning and pension consulting. The firm does not accept performance-based fees and serves individuals, high-net-worth individuals, and pension and profit-sharing plans. Clients have the option to direct brokerage and receive quarterly account reports. RCS does not participate in wrap fee programs and recommends custodians based on best execution practices. The firm does not accept compensation for the sale of securities and does not engage in performance-based fees. Clients have the option to direct brokerage and receive quarterly account reports. RCS does not participate in wrap fee programs and recommends custodians based on best execution practices. The firm does not accept compensation for the sale of securities and does not engage in performance-based fees.

Chesapeake Financial Planning, located in Annapolis, MD, is represented by Katelyn M. Fisher, FPQP®. Katelyn has a background in financial planning, having worked at various financial institutions since 2013. She currently serves as an Operations Manager and Investment Advisor Representative at Bay Financial Planning and Tax Services, d/b/a Chesapeake Financial Planning. Katelyn holds the FINANCIAL PARAPLANNER QUALIFIED PROFESSIONAL™ (FPQP®) certification, demonstrating her expertise in financial planning. Katelyn is not associated with any legal or disciplinary events that could impact her services. As a Registered Representative of J.W. Cole Financial, she may recommend securities offered by the company, potentially receiving commissions in addition to advisory fees. Clients should be aware of this conflict of interest. Katelyn also spends a portion of her time at Intercoastal Wealth Planning, LLC. Clients of Chesapeake Financial Planning can contact Elizabeth M. Bennett for supervision and compliance matters. Katelyn has not faced any liabilities or bankruptcy petitions in her professional career.