Baltimore-Washington Financial Advisors, Inc. (BWFA) is a Fee-Only wealth management firm established in 1986, offering Financial Planning, Investment Management, Tax, and Business Services. BWFA's compensation is not contingent on financial product sales, ensuring objective advice. The firm's Investment Management Services cover a range of securities listed on public exchanges, government securities, and collective investment funds. BWFA's investment strategy focuses on long-term growth of capital, with a core investment horizon of three to five years. The firm tailors advisory services to individual client needs, offering various portfolio strategies and accommodating restrictions or special instructions. BWFA provides tax preparation, estimated tax, and tax advisory services integrated with financial planning. Business Services include business valuations, succession planning, accounting, and business financing assistance. For employer-sponsored retirement plans, BWFA offers fund lists, portfolio strategies, and educational seminars without managing employee assets. BWFA acts as a fiduciary, providing full investment discretion for managed accounts. The firm encourages clients to compare BWFA statements with custodian statements and offers detailed client reports. BWFA does not receive compensation for client referrals and does not take custody of client funds. The firm exercises full discretion over investment decisions, including proxy voting for client securities. BWFA maintains a strong financial condition and has never been subject to bankruptcy. Clients can request further details on the firm's financial condition if needed.

Keeney Financial Group Inc. is an independent financial advisor firm established in October 2015, with John P. Keeney as the principal owner. The firm specializes in providing personalized financial planning and investment management services to individuals, families, trusts, charitable organizations, pensions, and corporations. Keeney Financial Group's mission is to offer unbiased advice, emphasizing transparency and accountability to earn and maintain clients' trust. The firm requires clients to place a minimum of $500,000, which may be waived at their discretion. Clients receive asset management services on a discretionary basis, allowing Keeney Financial Group to make investment decisions without specific client approval. The firm encourages clients to complete a financial plan to guide investment objectives based on factors like risk tolerance, liquidity needs, and income requirements. Investment strategies focus on long-term goals, with portfolios tailored to meet individual client needs. Keeney Financial Group charges fees ranging from 0.00% to 1.25% annually for asset management, with financial planning fees varying based on services provided. Clients' accounts are held at a qualified custodian, typically Schwab, with trades executed to seek best execution. The firm discloses potential conflicts of interest related to insurance product recommendations and third-party manager compensation. Keeney Financial Group does not charge performance-based fees and has no disciplinary history. Clients are encouraged to review account statements and confirmations directly from the custodian.

Lowe Wealth Advisors, LLC is a financial advisory firm based in Columbia, Maryland. It currently has approximately $356,384,171 of assets under management and employs about 9 people. Lowe Wealth Advisors, LLC uses a fee structure of a percentage of assets under your management, hourly charges and fixed fees.

Financial Advantage, Inc., operating as FAI Wealth Management, is a registered investment advisor based in Columbia, Maryland, established in 1987. The firm's team, including Mark O. Stinson, Curtis R. Gross, and Andrew L. Smith, offers a range of services such as wealth management, financial planning, investment management, retirement plan consulting, and hourly consulting. Wealth management services are provided on a retainer basis, with fees based on a tiered schedule starting at 1% annually for assets under management. Investment management services, available to legacy clients, are charged at 1% annually with a minimum of $5,000. FAI's investment strategies include long-term and short-term purchases, as well as option writing. The firm employs fundamental, cyclical, and charting analysis to tailor investment advice to clients' financial goals and risk tolerance. FAI does not accept performance-based fees or engage in side-by-side management. Clients have investment discretion over their accounts, and the firm does not vote proxies on their behalf. FAI's team, led by Mark O. Stinson and Skyler D. Hutcheson, upholds high ethical standards and provides transparent, client-focused financial services. For more information, visit www.faiwealth.com.

Alpha DNA Investment Management LLC, based in Columbia, Maryland, has been providing investment advisory services since May 2017. The firm offers discretionary and non-discretionary portfolio management services for individuals, with a focus on equity securities, government securities, options contracts, money market funds, and derivatives. They manage client assets totaling $207,394,119 on a discretionary basis and $6,701,177 on a non-discretionary basis as of December 31, 2024. The annual fee for portfolio management services does not exceed 1.00% of managed assets and is billed quarterly in arrears. The firm may charge performance-based fees to clients with a net worth greater than $2,100,000 or managing at least $1,000,000. Alpha DNA utilizes a systematic quantitative research platform and proprietary machine learning algorithms to select stocks for client portfolios. The firm may engage in margin transactions, option writing, and trading strategies to optimize client investments. Clients have the option to grant discretionary authority over their accounts, allowing Alpha DNA to make investment decisions without prior approval. The firm follows a Code of Ethics to ensure compliance with laws and regulations and maintains transparency regarding client referrals and compensation. Clients' privacy and data security are prioritized, with strict policies in place to safeguard personal information. In case of trade errors, Alpha DNA will take corrective actions to restore accounts to their correct positions.

Pointer Financial Advisors LLC, established in April 2023, offers investment management and financial planning services. The firm provides discretionary investment management services, primarily allocating client assets among various securities globally diversified for geographical diversification. Clients can engage the firm to manage various investment products, including assets not maintained at their primary custodian. Financial planning services offered include cash flow planning, retirement income planning, and estate planning, among others. The firm charges management fees of up to 1.25% of assets under management annually, with the ability to negotiate lower fees based on certain criteria. Pointer Financial Advisors tailors its services to meet individual client needs and provides ongoing reviews of client portfolios. The firm has $139,443,361 in regulatory assets under management. Clients are required to enter into written agreements outlining the terms and conditions of the advisory relationship. The firm exercises investment discretion over client accounts and accepts authority to vote client securities. Pointer Financial Advisors does not compensate third parties for client referrals and does not offer advisory services through a wrap fee program.