Bonny Brown is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has worked extensively with Wells Fargo Clearing, including a prior 21-year tenure and a recent return in 2025. Outside of her advisory role, she serves as the power of attorney for her mother and administrator of her father’s estate. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, notably insurance-related vehicles and bank deposit sweep programs.

Kenneth Smith is a financial advisor with LPL Financial in Hagerstown, MD, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior experience includes roles at Santander Securities LLC and Raymond James Financial Services, Inc. He maintains several business entities related to his advisory activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management solutions through a large network of advisors, with a focus on both advisory and brokerage services supported by institutional platforms and technology tools.

Stephanie Kennedy is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions.

Hunter Brindle is a CFP® and CFA® professional with five years of industry experience, currently with Cetera. He has held roles at Cetera Wealth Services, DoorDash, Orrstown Bank, and other organizations. Brindle serves as a board member for the Chambersburg YMCA, participating in monthly meetings and committees. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Anneliese D'souza is a CFP® professional with 28 years of industry experience, currently affiliated with Cambridge Investment Research Advisors since 2005. Her prior experience includes five years at Voso Financial Advisers, LLC. She volunteers at Saint Katherine Drexel Church. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals.

Glenn E. Hain is a Wealth Management Advisor at Merrill Lynch Wealth Management. He and his team provide a full range of wealth management services to corporate executives and their families, utilizing the global resources of Merrill to address complex financial needs. Glenn has been with Merrill Lynch since 2004, bringing over 27 years of experience in the financial services industry. His expertise encompasses corporate benefit programs including equity compensation, defined benefit, defined contribution, and nonqualified deferred compensation plans. Glenn works closely with clients to integrate their corporate benefits into long-term financial strategies, serving areas such as executive compensation, personal retirement planning, philanthropic planning, and tax minimization. Glenn holds a Master's Degree from Frostburg State University and a Bachelor's Degree from Mainsfield University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), and Personal Investment Advisor (PIA). Beyond his professional endeavors, Glenn is involved with community organizations such as the Blue Collar Project, the Boys & Girls Club of Frederick County where he served as Board Past Chair, and the Rotary Club of Frederick, MD. His personal interests include gardening, golfing, ice hockey, spending time with his family, and woodworking.

Jeffrey Cantrell is a financial advisor with Cetera, holding the ChFC® and Series 66 designations and bringing 28 years of industry experience. He has worked with Cetera since 2013 and is a partner at Bowman Gaskins Financial Group since 2000. Outside of advising, he is an independent insurance agent specializing in disability, fixed annuities, and life, accident, health, and long-term care insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with discretionary and non-discretionary program options.

Toby Crites is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 11 years of industry experience. His career includes roles at Fidelity Investments, Edward Jones, and T. Rowe Price before joining LPL Financial and CNB Bank in 2024. He currently serves as a Senior Investment Analyst at CNB Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by extensive operational and research tools.

Rae Schoenberg is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Rae Schoenberg earned a Bachelor's Degree and a Master of Business Administration (MBA) from the University System of Georgia. Her credentials and education support her work in providing wealth management and retirement consulting services.

William Holzapfel is a CFP® and holds a Series 66 license, with eight years of experience in the financial industry. He currently works at Morgan Stanley and has prior experience at Wells Fargo Clearing and Cambridge Associates LLC. Holzapfel serves as a board member on the finance committees for both the Maryland Symphony Orchestra and the Community Free Clinic of Washington County. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including customized financial planning leveraging firm-approved tools and modeling techniques.

Marcus Glover is a Series 66-licensed financial advisor with 15 years of industry experience. He is currently with Morgan Stanley, where he has worked since 2026, and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and models.

Kathleen Schwartz is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 15 years of experience in the financial industry. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Alyssa Groves is a financial advisor with Edward Jones in Williamsport, MD, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Truist, Etsy, and Chrome Solutions Inc., as well as involvement with Lighthouse Counseling Christian Ministry. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

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.

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.

Toby Kline is a CFP® and ChFC® credentialed financial advisor with 20 years of industry experience. He is currently with LPL Financial, where he has worked for five years, following 13 years at M&T Securities and prior experience at Ameriprise. He also maintains an ongoing affiliation with M&T Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.