Nathan Richardson Allen III is a Senior Financial Advisor at WMS Partners, LLC, with a background in Political Science from Trinity College. He is also a member of the Private Funds Investment Committee at WMS, overseeing four affiliated private funds. Mr. Allen has extensive experience in the financial advisory sector, having worked at firms like UBS Financial Services, Deutsche Bank Securities, A.L. Stuart Investments, and Warisan Capital Management. As of January 15, 2025, the majority of WMS Partners, LLC's assets were acquired by HB Wealth Management LLC, where Mr. Allen is dually registered. He is actively engaged in investment-related activities at HB Wealth Management, focusing on the four affiliated private funds at WMS. There are no disciplinary actions reported against Mr. Allen, and he does not have any other business activities or sources of additional compensation. WMS provides investment advisory and supervisory services in compliance with the Investment Advisers Act. Clients can reach out to the Chief Compliance Officer at WMS for any questions regarding supervision or compliance practices. The brochure does not specify the firm's minimum initial investment, fee structure, or whether the advisor acts as a fiduciary.

Maryland Capital Management, LLC is a registered investment adviser founded in 1978, specializing in providing investment advice and portfolio management solutions to high net worth individuals, family groups, and institutions. The firm offers equity, fixed income, alternative, and balanced investment strategies tailored to client needs based on factors such as tax situation, income needs, time horizon, and risk tolerance. Clients have the option to impose restrictions on investing in certain securities. The firm's assets under management as of December 31, 2021, were $2,446,287,420 for discretionary accounts and $6,879,280 for non-discretionary accounts. Maryland Capital Management charges fees based on a percentage of assets under management, with equity, balanced, and alternative portfolio management services at 1.00% annually and fixed income services at 0.75% annually. The firm does not accept performance-based fees. Clients must have a minimum opening account balance of $500,000, which may be waived at the firm's discretion. Maryland Capital Management acts as a fiduciary and manages client assets on a discretionary basis, giving the firm full authority to supervise and direct investments without prior client consultation. The firm does not have any disciplinary information to report and does not engage in other financial industry activities or have affiliations with other organizations.

Greenspring Advisors, LLC is a SEC-registered investment adviser based in Maryland, established in 2004. The firm offers private money management services to individuals, trusts, estates, and organizations, managing accounts on a discretionary or non-discretionary basis. They tailor investment strategies based on client objectives, risk tolerance, and tax considerations, covering various securities and investment types. Additionally, Greenspring provides comprehensive wealth management services, including financial planning, retirement plan consulting services for pension and profit-sharing plans, and fiduciary services. For wealth management services, fees are charged as a percentage of assets under management, with a minimum annual fee of $5,000. Retirement plan consulting fees are based on a percentage of assets under advisement or an annual fee ranging from $20,000 to $200,000. Greenspring does not charge performance-based fees and does not engage in principal transactions. The firm does not vote proxies on behalf of clients and does not have custody of client accounts. Greenspring's investment strategies include long-term and short-term purchases, asset allocation, mutual fund and ETF analysis, and third-party money manager analysis. The firm's code of ethics ensures compliance with securities laws and prohibits the use of material non-public information. Greenspring does not have any reportable disciplinary events and maintains high ethical standards in business conduct.

Founders Financial Securities, LLC is a financial advisory firm based in Towson, Maryland. It currently has approximately $1,719,763,972 of assets under management and employs about 138 people. Founders Financial Securities, LLC uses a fee structure of a percentage of assets under your management, hourly charges, subscription fees and fixed fees.

Financial Council, LLC, formerly known as Financial Council Asset Management, Inc., was established in July 1995 and restructured as Financial Council, LLC on July 1, 2023. The firm primarily serves individuals, trusts, estates, charitable organizations, and corporations. Financial Council manages discretionary client assets valued at $1,099,779,929 as of December 31, 2024. The firm offers investment advisory services through asset allocation models primarily using mutual funds, with rebalancing at the discretion of Financial Council. Clients may not impose restrictions on allocations. The firm charges asset management fees based on a percentage of assets under management, with fees ranging from 1.25% to 0.25% based on the level of assets. Financial Council acts as a fiduciary for clients' retirement accounts, providing recommendations on rollovers to IRAs. The firm does not charge performance-based fees and offers services to individuals, trusts, estates, charitable organizations, and corporations. Investment strategies include Dollar Cost Averaging, Asset Allocation, Fundamental Analysis, and Qualitative Analysis. Financial Council does not vote proxies on behalf of clients and does not accept authority to file class action claims for clients. The firm has no financial commitments impairing its ability to meet client obligations and has not been subject to bankruptcy proceedings.

SFG Wealth Management, LLC is a registered investment adviser established in 2016, providing asset management and investment consulting services. The firm is wholly owned by SFG Wealth Management LLC, with William Swartz and Lawrence Leitch as majority owners. SFG Wealth Management acts as a fiduciary, always prioritizing clients' best interests. The firm offers portfolio management services, financial planning, retirement plan consulting, and access to LPL-sponsored advisory programs. For Portfolio Management clients, fees do not exceed 1.50% annually, billed quarterly based on account value. Financial Planning & Consulting fees are charged hourly or on a flat fee basis, with maximums of $400 hourly and $10,000 flat fee. Retirement Plan Consulting fees are hourly or asset-based, with a maximum of 1.00% of plan assets. LPL-sponsored programs have negotiable fees, with maximums ranging from 1.35% to 3.00% annually. SFG Wealth Management uses various methods of analysis, including charting, cyclical analysis, fundamental analysis, and technical analysis. Investment strategies include asset allocation, fixed income portfolio management, and option writing. The firm does not charge performance-based fees and offers investment discretion to clients. SFG Wealth Management does not have custody of client funds and maintains strict privacy policies to protect client information. Clients have the right to opt out of certain information sharing practices.

L.K. Benson & Company is a registered investment adviser founded in 1994 by Lyle K. Benson, Jr., and Christopher D. Benson. The firm specializes in providing financial services to individuals, high net worth individuals, and families, offering financial planning, portfolio management, tax planning, and preparation services. They act as fiduciaries, obligated to act in the best interests of their clients, and do not accept performance-based fees to avoid conflicts of interest. Clients have the option to grant L.K. Benson & Company discretionary authority over their investment accounts. The firm does not have a minimum investment size requirement and charges fees based on the complexity of services provided, typically ranging from $10,000 to $32,000 annually. L.K. Benson & Company does not participate in wrap fee programs and managed $369,140,420 in client assets as of December 31, 2024. The firm's investment strategies focus on asset allocation, diversification, and risk management to help clients achieve their financial goals. Clients receive regular account reviews and statements, and the firm does not vote proxies on behalf of clients. The employees, Lyle K. Benson, Jr., and Christopher D. Benson, are Certified Public Accountants with extensive experience in the financial services industry. They maintain professional designations such as CPA, Personal Financial Specialist (PFS), and CERTIFIED FINANCIAL PLANNER™ (CFP®). The firm's Principal and Chief Compliance Officer, Christopher D. Benson, supervises all employees to ensure compliance with regulations and ethical standards.

Alere Planning LLC is a financial advisory firm established in February 2017, providing personalized financial planning and investment management services to individuals, families, trusts, charitable organizations, and corporations. The firm's principal owner is William J. Weglein Jr. Alere's investment philosophy focuses on managing clients' financial lives through life transitions, offering direction, clarity, and confidence. The firm's financial planning process includes a discovery meeting, designing a financial life plan, and ongoing plan execution. Alere offers asset management services on a discretionary basis, where clients grant the firm authority to make investment decisions without seeking specific approval for changes to client accounts. The firm may also provide asset management services on a non-discretionary basis in limited circumstances. Alere has $184,179,403 in assets under management as of December 31, 2024, managed in 468 accounts. The firm's fee structure ranges from 0.65% to 1.25% per annum based on the market value of client assets. Alere does not charge performance-based fees and requires a minimum investment of $150,000 from clients. The firm's professionals, William J. Weglein Jr. and Anthony Assadi, hold professional designations such as Chartered Financial Analyst (CFA) and Certified Financial Planner (CFP®). Alere maintains strict confidentiality and security measures to protect clients' nonpublic personal information in compliance with federal standards. The firm does not disclose clients' personal information to third parties for marketing purposes and ensures that all disclosed information is used only for the intended purposes.

The Simmons Partnership, Inc., established in 2011 by James Simmons, offers personalized financial planning and investment management services to individuals, trusts, foundations, pensions, and corporations. Clients must invest a minimum of $250,000, with discretion over their accounts. The firm may waive this minimum under certain circumstances. Investment advisory fees range from zero to 1.85% per annum of the gross market value, with fees deducted quarterly in advance. Clients may receive financial planning services on an hourly or fixed fee basis, typically ranging from $1,000 to $5,000. The firm may recommend the services of other professionals for implementation, but clients retain absolute discretion over these decisions. The firm does not engage in performance-based fees and provides detailed information on various risks associated with investing, such as political, market, currency, regulatory, and interest rate risks. The firm does not have any disciplinary information to report and does not engage in futures trading activities. Additionally, the firm's wrap fee program includes brokerage services provided by Charles Schwab & Co., Inc., with fees covering transaction costs. Clients are encouraged to review reports and statements provided by the custodian, Schwab, for accuracy. The firm's Code of Ethics emphasizes fiduciary duty, trading guidelines, and avoiding conflicts of interest.