Steven Channing is a financial advisor with Edward Jones in Hagerstown, MD, holding a Series 66 designation. He joined Edward Jones in 2025 and previously worked at Citibank for 30 years. Outside of his advisory role, he is involved in crowd management and event security through Contemporary Services Corporation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

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, LLC, Grove Point Advisors, LLC, and H.Beck, Inc. He also operates Wise Retirement Solutions and Legacy Financial Associates, entities related to his LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Bonita Yetter is a financial advisor at Morgan Stanley with 16 years of industry experience. She has held positions at RBC Capital Markets, LLC from 2009 to 2021 before joining Morgan Stanley in 2021. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by proprietary tools and models, managing approximately $2.74 trillion in client assets.

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.

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.

Joan Bowers is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She worked at Edward Jones for 15 years before joining Raymond James in 2016. Bowers serves as a board member of the Washington County Community Foundation. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

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.

Cindy Ross is a financial advisor with Edward Jones in Kearneysville, WV. She holds the Series 66 designation and began her advisory career in 2025. Prior to joining Edward Jones, she worked at Carrabba’s Restaurant and Target, and spent over two decades at the Social Security Administration. Edward Jones is a full-service wealth management firm serving both individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Bradley Ciucci is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 20 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 2006. 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 and financial planning services, employing structured planning tools and models while managing approximately $2.74 trillion in client assets.

Silvia Arrue Carcamo is a financial advisor at Raymond James & Associates with two years of industry experience. She holds the Series 66 designation. Her work history includes multiple roles within Raymond James and previous positions at Pro Services, LLC, Liberty University, and J Crew. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning, investment consulting, and specialized municipal advisory services.

Matthew Misiaszek is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Equitable Advisors since 2010, previously associated with Axa Advisors LLC for a decade. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Timothy Mellott is a Private Wealth Advisor and partner of The Orr Group at Merrill Private Wealth Management. He works with a select group of affluent individuals including entrepreneurs, business owners, senior executives, and multigenerational families, focusing on personalized wealth management strategies that address short- and long-term financial goals. His approach coordinates with clients' external professional advisors to manage assets, liabilities, and wealth transition. With a consultative style rooted in careful listening, Tim designs investment and wealth strategies tailored to his clients' objectives, risk tolerances, and liquidity needs. His expertise encompasses areas such as legacy planning, philanthropic planning, tax minimization, and services for endowments, foundations, and non-profits. Tim holds a Bachelor's Degree from Clemson University, where he competed on the wrestling team alongside his business partner Bill Orr. He is a Personal Investment Advisor (PIA) and is involved in his community through coaching, mentoring, and participation in the Fellowship of Christian Athletes.

Karen Coyne is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She has been with Raymond James Financial since 2009 and with Raymond James Financial Services since 2007. Outside of advisory work, she is an author of investment-related books and owns several business ventures, including Fresh Events, which supports funding of study groups and retreats. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Andre Johnson is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he was self-employed for six years and worked at Bank of America and Fiserv. Outside of finance, he owns and manages a fitness studio, New Age Fitness, in Hagerstown, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a network of approximately 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Geoffrey Tomasetti is a financial advisor with Cambridge Investment Research Advisors in Frederick, MD, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 30 years of industry experience and has been with Cambridge Investment Research Advisors since 2015. Tomasetti is also president of Tomasetti Wealth Management LLC and operates as an independent insurance agent under Montgomery Financial Partners. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent professionals, utilizing proprietary and third-party investment strategies with multiple platform and custody options.