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 been with SunTrust Advisory Services since 2016 and has worked with related SunTrust entities since 2012. Outside of his advisory work, he serves in a customer service role at Twin Oaks Home Sales, a family-owned manufactured homes dealership. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of discretionary and non-discretionary investment solutions, combining model portfolios, third-party managers, and advisor-led asset allocation, supported by research shared across its affiliated channels.

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 in Oakland, MD, holding a Series 66 designation. He has experience assisting clients with account administration and estate planning through his role at First United Bank & Trust. Prior to his current positions, he worked in insurance and held various roles in retail and service industries. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, combining retirement capabilities with trust and institutional services.

David Sharps is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and possessing 20 years of industry experience. He has been with Cetera and its related entities since 2005 and also works with First United Bank & Trust. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of over 6,800 advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing a combination of advisor-managed accounts, firm-sponsored model portfolios, and third-party managed solutions.

David Upole is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Cetera and its affiliated entities since 2015. Outside of his advisory role, he serves as a trust officer for First United Trust and Investments, where he assists in developing financial plans and determining asset allocation. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of portfolio management and fiduciary solutions, combining retirement capabilities with a broad trust and institutional network.

Sarah Michael is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. Prior to joining Cetera, she worked at First Peoples Community Federal Credit Union and LPL Financial for 11 years. She also serves as a wealth advisor in the trust department at First United Bank & Trust, focusing on soliciting and retaining trust business. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement capabilities with a broad trust and institutional platform.

John Rose is a financial advisor at Edward Jones with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Edward Jones since 2005. Outside of his advisory role, he is the sole member of MAJAR Properties LLC, a real estate management business based in Oakland, MD. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 financial advisors and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Julia Hershman is a CFP® professional with four years of industry experience, currently affiliated with Cetera. Her background includes roles at First United Bank and Trust and involvement in small business operations such as Hershman Pre-Owned Auto Sales. Outside of financial advising, she serves as a board member and endowment chair for Potomac Highlands United Way and coaches for Beachbody. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement and institutional capabilities within a broad advisory platform.

Amy Brandts is a financial advisor with Cambridge Investment Research Advisors and holds the ChFC® designation along with Series 63 and Series 65 licenses. She has 42 years of industry experience and has been with Cambridge Investment Research Advisors since 2005. In addition to her advisory role, she serves as treasurer for the Hamlet at Leesburg Homeowners Association and is involved as a managing member and independent insurance agent with Symphony Financial. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations through a large network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing various account platforms and third-party strategists.

Braydon Lofstead is a financial advisor at Ameriprise with a Series 66 designation and one year of industry experience. His prior work includes roles outside the financial industry, such as positions with Mountaineer Line Striping and Lowe's, and involvement in golf-related organizations. He also manages an advisory business through CFI Management Group LLC. Ameriprise offers retirement-income planning services targeting individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations. The firm delivers a wide range of advisory, brokerage, and insurance solutions through affiliated entities typical for a large institutional firm.

Keith Sanders is a Series 66-licensed financial advisor with Cetera, based in Oakland, Maryland, and has 25 years of industry experience. He has been with Cetera and its affiliated entities since 2002. Outside of his advisory role, Sanders serves as a board member of United Way and participates in community activities through the Rotary Club and local organizations such as Garrett County Schools Teets Foundations and Garrett Regional Medical Center. Cetera Investment Advisers supports a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement capabilities with an extensive trust and institutional platform.

Annette Chapman is a financial advisor at Cetera with 18 years of industry experience. She holds the CFP® designation and securities licenses Series 63 and Series 66. In addition to her advisory role, she serves as a Relationship Manager and Trust Officer at First United Bank & Trust, focusing on trust accounts and financial and estate planning without providing investment advice. She is also Treasurer and Board Member of Garrett Mentors, where she presents financial information and signs tax returns. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement and trust capabilities with a broad advisory platform.

Dario Cavazos is a CFP® professional with 18 years of experience, currently serving as a financial advisor at Edward Jones since 2007. Outside of his advisory role, he co-hosts a local podcast where he interviews community guests. Edward Jones is a full-service wealth management firm serving a diverse client base, including individual and institutional clients, with over $1 trillion in assets under management and a nationwide network of more than 23,000 advisors.

Edward Lytle is a financial advisor with LPL Financial in Mc Henry, MD, holding Series 63 and Series 65 licenses and with 25 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory role, he is involved in a family real estate rental business through YOUGH RIVER HILL, LLC. LPL Financial provides advisory and brokerage services to a wide range of clients, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers diverse investment solutions supported by in-house research and a large network of investment adviser representatives.