John Urner Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at B. Riley Wealth Advisors, Wunderlich Securities, F&M Trust, Cetera Investment Advisors, Commonwealth Financial Network, RBC Capital Markets, and Ferris, Baker Watts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary models and third-party strategies across discretionary and non-discretionary accounts.

Jeremiah Thompson is a CFP® professional with 11 years of experience in the financial services industry. He is currently with OSAIC and has previously worked with FSC Securities Corporation and Kramer Financial, LLC, where he also supports other advisors. Thompson is the founder of FYIFI, a financial literacy website that provides content in American Sign Language. He also serves as a council member for Capital Group’s ABLE Advisory Council. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors and participants, charities, and corporations, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Jennifer Johnson is a CFP®-credentialed financial advisor at Cambridge Investment Research Advisors with 27 years of industry experience. She has held roles at multiple firms including Lighthouse Wealth Management and SII Investments, Inc., and maintains ownership of JLJ Financial and Jennifer L. Johnson, LLC, through which she sells and services long-term care and life insurance products. Additionally, she is involved with Audio-Video Group, LLC, a company specializing in design and installation of commercial audio and video systems. Cambridge Investment Research Advisors serves a varied client base that includes individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates multiple platforms and proprietary model strategies to support both discretionary and non-discretionary management.

Michael Lynch is a Series 66 credentialed financial advisor at Edward Jones with four years of industry experience. He has prior experience at T. Rowe Price, Fidelity Investments, The Leaders Group Inc, and Gideon Strategic Partners. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices.

Lisa Dewing is a CFP® with 19 years of industry experience, currently an advisor at OSAIC since 2023. She previously worked at Fsc Agency and FSC Securities Corporation for 17 years. Outside of her advisory work, she is a sign language interpreter and serves as a board member for a homeowners association in North Myrtle Beach. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering a range of brokerage and advisory services with a focus on model-based asset allocation and portfolio optimization. The firm is notable for its scale, complex affiliate network, and recent consolidation activity.

Rebecca Cathcart is a financial advisor at Edward Jones with a Series 66 designation and four years of industry experience. Her prior roles include positions at OSAIC, Randy Scritchfield & Associates, Securities America Advisors, Equitable Advisors, and multiple State Farm agencies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of household types and organizations. The firm offers discretionary and non-discretionary strategies, access to separately managed accounts and affiliated mutual funds, and operates under a fiduciary standard.

Christopher Hoult serves as a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. In his role, he acts as a financial coach, building relationships that assist clients in navigating wealth management, estate planning, portfolio, and investment management. Leveraging the resources of Merrill and the banking services of Bank of America, he works with clients who prefer to delegate strategic investment planning as they pursue their life goals. Christopher has been with Merrill Lynch Wealth Management since 1989. His professional designations include Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He holds a bachelor's degree from Shippensburg University. Christopher resides in Frederick County with his wife, Rixey, and their two adult children, Nick and Jessie. Outside of his professional work, he is involved in coaching youth sports and maintains a connection to the Governor Thomas Johnson High School community. His client focus areas include liquidity management, portfolio management services, and retirement income. Christopher's approach is guided by understanding clients’ life goals, risk tolerance, time horizon, and liquidity needs.

Kimberly Bishop is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved planning tools.

Timothy Moore Sr. is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 43 years of industry experience. His career includes roles at VOYA Financial Advisors and his own insurance and financial services business dating back to 1976. Outside of his advisory work, he serves as a permanent deacon at two Roman Catholic churches and works as a FINRA arbitrator. Cambridge Investment Research Advisors serves a diverse clientele of individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm employs thousands of financial professionals and provides a range of discretionary and non-discretionary management platforms along with proprietary model strategies.

Moni Engineer is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. Prior to joining Merrill, Engineer worked at Bank of America and Capital One Bank, accumulating a total of 20 years in the banking sector. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Scott Geisbert is a CFP® with 22 years of industry experience, currently affiliated with LPL Financial. His prior experience includes roles at Grove Point Investments, Grove Point Advisors, H.Beck, Inc., and Osaic FA, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, institutions, and retirement plan participants. The firm provides diverse investment options, including model portfolios and third-party asset management, supported by technology tools for operational and research assistance.

Brett Baile is a financial advisor at Merrill with three years of industry experience. He holds a Series 66 designation and has worked at Merrill since 2023. Outside of his advisory role, Brett is a partial owner of Beaver Creek Country Club, a golf course in Hagerstown, MD, and has provided consulting services for a landscaping and snow removal company. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Cherie Edwards is a Private Wealth Advisor at Merrill Private Wealth Management and a member of The Orr Group. She works with a select group of clients including entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. Cherie's role involves organizing and simplifying her clients' financial lives to help them focus on meaningful personal and professional pursuits. She began her career at Merrill in 1999 and is a CERTIFIED FINANCIAL PLANNER™ certificant, a designation awarded by the Certified Financial Planner Board of Standards, Inc. Cherie graduated from East Carolina University with a bachelor's degree in Financial Services. Her expertise includes wealth planning strategies, analysis, portfolio reviews, and assisting clients with multigenerational family wealth dynamics and governance. Outside of her professional work, Cherie and her husband Shane have three children and are active in their local youth baseball program, often coordinating and volunteering. Her personal interests include baseball, boating, skiing, spending time with her family, and traveling.

David Handler is a financial advisor with Morgan Stanley in Hagerstown, Maryland, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as Treasurer for the Hagerstown Fire Police Association and is a member of the Finance Committee at the Hagerstown Aviation Museum. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and its Estate Planning Strategies Group.

Marcus Hull is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 credentials and offering 25 years of industry experience. He has been with RBC Capital Markets since 2009 and has also worked at City National Bank since 2018. Outside of his advisory role, Hull serves on the Board of Directors for the Three Rangers Foundation, a veteran service organization. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides various advisory programs that offer discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to each client’s risk profile.

Matthew Owens is a CFP® professional with seven years of experience in financial advising, currently with Edward Jones since 2019. Prior to joining Edward Jones, he spent nine years at PGC Landscape. He serves as a board member at the Delaplaine Arts Center in Frederick, MD, where he supports the organization’s community engagement efforts. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs, separately managed accounts, and affiliated investment products. The firm operates under a fiduciary standard and is notable for its extensive retail advisor network and affiliated capabilities beyond advisory services.

Michael Dailey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with individuals and families to pursue financial objectives through a focused and proactive approach to wealth management, emphasizing wealth accumulation, preservation, and the transition of assets to the next generation. Michael assists clients in simplifying complex financial challenges by taking time to understand their priorities. His expertise includes divorce transition planning, education planning, family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. Michael holds professional designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Michael earned a Bachelor's Degree in Economics from the University of Maryland. A native of Maryland, he currently resides in Frederick, MD. In his personal time, Michael enjoys fishing, golfing, skiing, and spending time with his family.

James Wilson Jr. is a financial advisor with UBS Financial Services in Frederick, MD, holding a Series 66 designation and bringing 23 years of industry experience. His prior roles include positions at Steward Partners Investment Solutions, Raymond James Financial Services, and Morgan Stanley Smith Barney. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Brandi Small is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and three years of industry experience. She has worked at Cetera and First United Bank and Trust, where she assists the Trust Department with estate planning and administration tasks. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party money managers.

William Orr is a Private Wealth Advisor at Merrill Private Wealth Management. He founded The Orr Group in 1989 to assist ultra-affluent families and individuals in managing significant wealth. William focuses on creating customized investment strategies, including investment planning, asset allocation modeling, and manager selection. He also guides clients in establishing family foundations and provides financial education for the next generations. A key component of his work involves collaborating with clients' external advisors, such as accountants and attorneys, to coordinate asset, liability, and wealth transition management strategies. William serves a select clientele comprising entrepreneurs, business owners, senior executives, multigenerational families, and private foundations. He is committed to building close, long-term relationships with clients and team members. William holds the Certified Investment Management Analyst® (CIMA®), Personal Investment Advisor (PIA), and Sports & Entertainment (SE) designations. He earned a Bachelor's Degree from Clemson University, where he developed a lifelong friendship with his business partner, Tim Mellott. In addition to his professional commitments, William is involved with the Frederick Memorial Signature Gifts Committee. His personal interests include biking, boating, golfing, hiking, skiing, and traveling.