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 with Cetera, holding a Series 66 designation and one year of industry experience. Prior to joining Cetera, he worked at Colonial Life Accident & Insurance Company and has also been employed by Walmart. Outside of advising, he assists clients with estate planning and trust document management at First United Bank & Trust. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to affiliated and third-party managers across multiple program structures.

David Sharps is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 21 years of industry experience. He has been with Cetera and its affiliated entities since 2005 and also has a long tenure at First United Bank & Trust since 2004. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with various program options and custodial relationships.

David Upole is a financial advisor at Ameriprise with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Cetera Investment Advisers LLC, Cetera Investment Services LLC, and M&T Securities, Inc. Outside of advisory roles, he serves as a trust officer for First United Trust and Investments, assisting in financial planning and asset allocation. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.