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.

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 spent 11 years with First Peoples Community Federal Credit Union and LPL Financial. She also serves as a wealth advisor in the trust department at First United Bank & Trust, where she focuses on soliciting and retaining new trust business. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform with access to affiliated and third-party managers across various program structures.

Keith Sanders is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been with Cetera and affiliated entities since 2002. Outside of his advisory role, he serves as a board member of United Way and participates in community activities with the Rotary Club of Maryland and local educational and medical organizations. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing multi-manager platforms and various program structures.

Annette Chapman is a CFP® professional with 19 years of industry experience, currently with Cetera Investment Advisers since 2017 and Cetera Investment Services since 2007. She also serves as a Relationship Manager and Trust Officer at First United Bank & Trust and is a board member and treasurer of Garrett Mentors, where she presents financial information and signs tax returns. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform that offers a variety of portfolio management and financial planning services. The firm supports over 10,000 advisors and manages more than $256 billion in assets.