Julia Marie Hershman

Frank Fato Jr. is a financial advisor with Truist Advisory Services, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked with SunTrust Advisory Services and related SunTrust entities since 2012. Outside of his advisory role, he is involved as a customer service representative at Twin Oaks Home Sales, a family-owned manufactured homes dealership. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors, participants, and charitable organizations. The firm combines discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Jason Sweitzer is a CFP® professional with 25 years of industry experience, currently serving as a financial advisor at Ameriprise since 2021. He previously worked at Cetera and First United Bank. Sweitzer serves on the Board of Directors for the Frostburg State University Foundation. Ameriprise provides retirement-income planning services primarily for clients nearing or in retirement who meet specific asset criteria. The firm offers advisory, brokerage, and insurance solutions through affiliated entities, combining research, modeling, and tax-efficient strategies to deliver tailored retirement income recommendations.

Michael Freiman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015. Outside of his advisory work, he serves on the boards of the Field of Firsts Foundation and the University of Maryland College Park Foundation, participating actively in their investment committees. He is also involved with Zuma4Productions, a commercial, music video, and film production company. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer offering a wide range of advisory programs to both individual and institutional clients, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by firm-approved tools and the Global Investment Committee’s return estimates.

Trevor Phillips is a financial advisor affiliated with Cetera and holds the Series 66 designation. He has been in the industry since 2025 and previously worked with Colonial Life Accident & Insurance Company and Walmart. In addition to his advisory role, he assists clients with estate planning and manages trust documents at First United Bank & Trust. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a large nationwide network of advisors, utilizing multiple program structures and third-party money managers.

David Sharps is a financial advisor with Cetera, holding Series 63 and Series 65 designations and bringing 20 years of industry experience. He has worked with Cetera and its affiliated entities since 2005 and also has a background with First United Bank & Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

David Upole is a financial advisor at Cetera with 27 years of industry experience. He holds the Series 63 and Series 65 credentials and has been with Cetera and affiliated entities since 2015. Outside of his advisory role, he serves as a trust officer for First United Trust and Investments, assisting with financial planning and asset allocation. Cetera Investment Advisers LLC serves a broad client base, including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.