Kerst Ter Weele

Michael Karwic is a CFP® with 28 years of industry experience, currently serving as an advisor at Glenayr Family Advisors LLC. His prior roles include positions at Third Eye Associates, Commonwealth Financial Network, Lincoln Investment, and Iron Valley Wealth Management. He is a faculty member with The Sudden Money Institute, where he teaches Transition Finances, and he owns a woodworking business through Apogee Innovations, LLC. Glenayr Family Advisors works with individuals, couples, professionals, business owners, and multi-generational families, focusing on life transitions such as divorce, inheritance, retirement, health events, or sudden wealth. The firm emphasizes values-based, holistic financial and transition planning, referring investment management to vetted third-party managers rather than managing portfolios directly.

Mark Stys is a financial advisor at WS Wealth Management, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with WS Wealth Management since 2013. The firm provides financial planning, consulting, and discretionary investment management primarily to individual and high-net-worth clients. WS Wealth Management employs a tactical, diversified asset-allocation approach utilizing various investment vehicles, managing approximately $90.5 million across about 70 client relationships.

Richard Czechowski is a CFP® with 33 years of industry experience, currently serving as an advisor at WS Wealth Management, LLC. He joined the firm in 2021 after 16 years with LPL Financial. WS Wealth Management provides financial planning, consulting, and discretionary investment management to individuals, trusts, estates, charitable organizations, and business entities. The firm primarily serves individual and high-net-worth clients with a tactical, well-diversified asset-allocation approach tailored to clients’ objectives and considerations.

Jonathan Wagner is a CFA® charterholder with 20 years of industry experience. He is currently with WS Wealth Management, LLC, where he has worked since 2024, following an 11-year tenure at W&S Wealth Management, LLC. WS Wealth Management provides financial planning, consulting, and discretionary investment management primarily to individual and high-net-worth clients, managing approximately $90.5 million across about 70 relationships. The firm uses a tactical, diversified asset-allocation approach incorporating ETFs, mutual funds, individual equities, fixed income, alternative investments, and covered options, tailoring portfolios to clients’ objectives, liquidity, tax, and legal considerations.

Peggy Frye is a CFP® professional with 23 years of industry experience, currently serving at Glenayr Family Advisors LLC since 2014. She is also an adjunct instructor at the Kinder Institute of Life Planning and the Financial Transitionist Institute and co-owns Glenayr Farm LLC, a working farm specializing in breeding championship show dogs and Angus beef cattle. Glenayr Family Advisors works with individuals, couples, professionals, business owners, and multi-generational families, focusing on life transitions such as divorce, inheritance, retirement, health events, or sudden wealth. The firm emphasizes values-based, holistic planning using the Kinder Method and Financial Transitionist tools and refers investment management to vetted third-party managers rather than managing portfolios directly.

James Mullins is a CFP® professional with 15 years of experience in financial advising. He has worked at Piedmont Wealth Management since 2011 and joined Burke & Herbert Wealth Services, LLC in 2026. Piedmont Wealth Management is a fee-only firm serving individuals, trusts, foundations, pensions, and corporations with personalized financial planning, investment management, and consulting services. The firm manages portfolios based on client-specific investment policies using a combination of mutual funds, stocks, bonds, and ETFs, primarily guided by fundamental analysis.