John Norberg is a CFP®-certified financial advisor with eight years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL in 2023, he worked at Edward Jones for five years and has experience in the restaurant and solutions sectors. Outside of his advisory role, he has been involved with Norberg Wealth Management and serves as a Colonial Life insurance agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Kegan Murphy is a financial advisor with Cetera in Hagerstown, MD, holding a Series 66 designation and beginning his industry career in 2025. His prior work includes roles at First United Bank & Trust, CNB Bank, and positions at West Virginia University and Fairmont State University. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management options and operates a multi-manager platform with significant assets under management and a large advisor network.

John Hershey is a financial advisor with RBC Capital Markets in Hagerstown, MD, holding a Series 66 designation and two years of industry experience. His prior roles include positions at EAB Global Inc and Yext. He serves on the board of The John R. Hershey Jr. and Anna L. Hershey Family Foundation, Inc., where he reviews grant applications. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies utilizing in-house and third-party managers and integrates capital markets capabilities and alternative investments.

Marissa Bowers is a financial advisor with Raymond James Financial, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining Raymond James, she worked at the Walter Reed Army Institute of Research and held various roles in consulting, education, and the service industry. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting services aligned with client goals.

Elizabeth David is a CFP® and Series 66 credentialed financial advisor with 19 years of industry experience. She currently works at Edward Jones, where she has been since 2023, and previously spent 16 years at Blue Heron Financial Group, formerly affiliated with LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households, pension plans, corporate clients, and charitable organizations. The firm offers discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard with approximately $1.01 trillion in assets under management.

Michael Cronin serves as a Resident Director at Merrill, bringing extensive experience in retirement planning and wealth management. He focuses on addressing the pre- and post-retirement needs of families, individuals, and business owners, utilizing a disciplined wealth management process tailored to clients’ investment objectives. Michael draws on Merrill’s resources and Bank of America’s platform to offer a consistent and personal approach to investing, including the management of custom investment strategies and a wide range of Merrill model portfolios and third-party options. Michael holds several professional designations, including Chartered Retirement Planning Counselor (CRPC™), Certified Divorce Financial Analyst (CDFA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated Magna Cum Laude from Drexel University in 2004 with a concentration in finance. Michael has also held leadership roles such as President Emeritus of the Board for Volunteer Frederick and positions within Business Networking International Group and Tau Kappa Epsilon International Fraternity. Outside of his professional responsibilities, Michael is a father of three and values family deeply. His personal interests include cooking, soccer, spending time with his family, and traveling. He is fluent in English and Spanish.

Peter Loysen is a financial advisor with Edward Jones in Frederick, MD, holding a Series 66 designation and 19 years of industry experience. He has been with Edward Jones since 2007. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of financial advisors and branch offices.

Jeffrey Wheeler is a CFP® with 22 years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at VOYA Financial Advisors and Frontier Financial Group. Wheeler also maintains a role as a non-variable insurance agent through Frontier Financial Group. LPL Financial serves a wide range of clients including individuals, retirement plans, and institutional entities. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

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 at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and third-party research to provide both discretionary and non-discretionary management.

Stephanie Kennedy is a financial advisor with Wells Fargo Clearing in Hagerstown, MD, holding a Series 66 designation and eight years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent ten years with WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

June Burton is a financial advisor at Cambridge Investment Research Advisors with two years of industry experience. She holds Series 65 and Series 63 licenses. Her prior work experience includes roles at New York Life Insurance Company and NYLife Securities LLC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a variety of portfolio management strategies and platform arrangements.

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. She holds Series 63 and Series 65 licenses and operates as a sole proprietor through D'Souza Financial Strategies. Outside of her advisory role, she volunteers at Saint Katherine Drexel Church. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services delivered via a network of independent Financial Professionals using a range of discretionary and non-discretionary investment platforms and strategies.

Glenn Hain serves as a Wealth Management Advisor at Merrill Lynch Wealth Management. He leads the Hain Dailey Team, providing personalized advice and guidance to help clients design and implement customized wealth management strategies. The team focuses on simplifying the complexities of financial life to help clients achieve their financial goals. With over 22 years of experience in the financial services industry, Glenn has expertise in corporate benefits, executive compensation, retirement and legacy planning, tax minimization, and services for endowments, foundations, and non-profits. His credentials include the Chartered Financial Consultant® (ChFC®), Chartered Retirement Plans Specialist™ (CRPS™), Chartered Retirement Planning Counselor™ (CRPC™), and Personal Investment Advisor (PIA) designations, equipping him to navigate complex financial products and tailor strategies to unique client needs. Glenn holds a Master's Degree from Frostburg State University and a Bachelor's Degree from Mainsfield University. He is actively involved in community organizations such as the Blue Collar Project, Boys & Girls Club of Frederick County (where he served as past board chair), and the Rotary Club of Frederick, MD. Outside of his professional commitments, Glenn enjoys gardening, golfing, ice hockey, woodworking, and spending time with his family.

Jeffrey Cantrell is a financial advisor with Cetera, holding the ChFC® designation and Series 66 license, with 27 years of industry experience. He has been associated with Cetera and its related entities since 2013 and is also a partner at Bowman Gaskins Financial Group. Outside of advising, he is an independent insurance agent specializing in disability, fixed annuities, life, accident, health, and long-term care insurance. Cetera Investment Advisers LLC is a large SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

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 financial advisor at Morgan Stanley with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Glover is based in Frederick, MD. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling to support its financial planning process.

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.