Luke Becker is a financial advisor with PNC Wealth Management in Hagerstown, MD, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked at PNC since 2014 in various roles including PNC Investments and PNC Bank. Outside of finance, Becker serves as a wrestling official for the Washington County Wrestling Official Association. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and third-party strategists to manage portfolios primarily through mutual funds and ETFs.

Scott Toms is a financial advisor with CWM, LLC who holds Series 63 and 65 designations and has 25 years of industry experience. His prior firms include Cetera Advisor Networks, Carson Wealth, Linsco Private Ledger Corp, and Cornerstone Wealth Management Group. Outside of his advisory work, he is an insurance agent selling life, annuities, and long-term care products. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm employs discretionary account management using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools tailored for retirement plans and institutional services.

Karsyn Burker is a financial advisor at CWM, LLC with a Series 65 credential and four years of industry experience. Prior to joining CWM, Burker worked at Carson Wealth and Middletown Valley Bank. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of partner offices and over 600 advisors. The firm provides portfolio management, financial planning, sub-advisory services, and retirement-plan offerings with a focus on discretionary management using model portfolios overseen by an in-house Investment Committee.

Daniel Graber is a financial advisor with Kestra Advisory and holds a Series 66 designation. He has nine years of industry experience at Kestra and has been involved with Graber Financial Services, Inc. for over 22 years, where he serves as Vice President. His other business activities include managing an investment partnership and assisting with insurance and financial planning services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design and compliance, employee education, and advisor-managed accounts, serving large institutional investors among its diverse client base.

Kenneth Graber is a CFP® with 35 years of industry experience, currently serving as an Investment Advisor Representative at Kestra Advisory. He has worked with Kestra Advisory since 2016 and previously with Kestra Investment Services, LLC and Graber Financial Services, Inc. Outside of his advisory role, he is a trustee for The Mathias Washington County Charitable Trust, where he manages investment funds and oversees disbursements to charities. He also serves on the boards of local nonprofit organizations including Tabitha's Table Inc. and HOPE Prison Ministry. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving approximately $79.8 billion in assets under management and including large institutional investors such as sovereign wealth funds.

Douglas Nigh is a CFP® professional with 25 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. His prior roles include positions at Serafini Financial Group and Commonwealth Financial Network. He is also involved with Serafini Financial Services, operating under the dba Opal Medigap insurance agency. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental analysis.

Emily Helman is a financial advisor with Private Advisor Group, LLC and holds the Series 66 designation. She has one year of industry experience and previously worked with Mariner Advisor Network, as well as maintaining a role with Nurtured Wealth, LLC since 2019. Private Advisor Group serves a diverse client base including individuals, businesses, trusts, estates, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting through various advisory programs and access to third-party asset managers and turnkey platforms.

Todd Varney is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with Bankers Life Advisory Services since 2019 and has held various roles within the Bankers Life organization since 2004, including branch sales manager overseeing a team of agents focused on insurance products for the senior market. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, emphasizing customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in their investment approach.

Dwayne Horst is a financial advisor at Truist Advisory Services with 20 years of industry experience and holds the Series 66 designation. His prior roles include positions at Bb&T Securities, LLC and BBTIS before joining Truist in 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, using a combination of discretionary manager relationships and non-discretionary consulting supported by advanced research and supervisory oversight.

Ashley Sowers is a financial advisor with CWM, LLC, holding Series 63 and Series 65 licenses and has 22 years of industry experience. Her career includes roles at Carson Wealth, Cetera Advisor Networks, First Command, and M&T Bank. She is also a co-leader of a local Girl Scout troop. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios guided by an investment committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.

Shane Heizer is a financial advisor with CWM, LLC holding a Series 65 designation and six years of industry experience. He has worked at Carson Wealth since 2020 and previously at Middletown Valley Bank from 2018 to 2020. He serves as a board member for the United Way of Washington County, MD. CWM, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of partner offices. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an in-house Investment Committee and offers a range of portfolio management, financial planning, and retirement plan services.

Mitchell Belella is a CFP® with 12 years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His previous roles include positions at LPL Financial, Commonwealth Financial Network, and Serafini Financial Group. He also serves as a Vice President and Financial Advisor involved in fixed insurance activities. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach that combines passive and active strategies overseen by an internal Investment Committee.

Adam Clayton is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 66 and Series 65 licenses and seven years of industry experience. He has been with Bankers Life since 2009, serving in a supervisory role managing a team of agents and overseeing hiring and training. His responsibilities include offering health, life, and fixed insurance products, as well as Medicare Supplement, annuity, and long-term care insurance products. Bankers Life Advisory Services, Inc. is an SEC-registered investment adviser that primarily serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm uses a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and portfolio management aligned with clients’ goals and risk tolerances.

Bryce Diller is a financial advisor with Lincoln Investment, holding a Series 66 designation and one year of industry experience. Prior to joining Lincoln Investment, he worked in various roles, including as a sales assistant at First Choice Insurance and as a security officer at WellSpan Health Chambersburg Hospital. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning and retirement plan advice through a range of advisor-managed and firm-managed investment programs that incorporate both strategic and tactical approaches.

John Saunders II is a financial advisor with CWM, LLC, holding Series 63 and Series 65 credentials and over 28 years of industry experience. His career includes roles at Carson Wealth, Cetera Advisor Networks, Cornerstone Wealth, and LPL Financial. Outside of advising, Saunders serves as treasurer for a homeowners association and is involved in life insurance sales and farmland rental with local farmers. CWM, LLC is an SEC-registered investment adviser serving individuals, families, institutions, and corporations through a network of over 600 advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customized investment solutions.

Brian Lantz is a financial advisor at Truist Advisory Services with four years of industry experience. He holds a Series 66 designation and has a background that includes roles at Truist Investment Services, the Defense Information Systems Agency, and several technology firms. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and a manager-selection program implemented through a mix of discretionary and non-discretionary arrangements, supported by AI-enabled research tools and extensive inter-affiliate coordination.

Michelle Seville is a financial advisor with Truist Advisory Services who holds Series 63 and Series 65 licenses and has 14 years of industry experience. She has worked at Truist Advisory Services and Truist Investment Services since 2021 and previously held roles at BB&T Securities and Bbtis. Outside of her advisory work, she serves as a lay minister and worship leader at the Tuscarora Lutheran Parish. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm employs a combination of discretionary and non-discretionary manager relationships and integrates inter-affiliate resources, including support from Truist Investment Services and Truist Bank, to deliver its AMC Advantage program and related services.

Nathanael Hanft is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at Serafini Financial Group and Commonwealth Financial Network. Hanft also operates a side business related to real estate rental in Hagerstown, MD. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized consulting with an investment process that combines passive and active management guided by quantitative and fundamental research.

Alexis Bush is a financial advisor with CWM, LLC, holding a Series 65 credential and four years of industry experience. Her career includes roles at Carson Wealth, Bowers Advisory Group, Bowers Insurance, and MVB Bank. CWM, LLC is an SEC-registered investment adviser serving a diverse client base that includes individuals, high-net-worth families, foundations, endowments, corporations, and institutions through a network of more than 600 advisors. The firm offers portfolio management, financial planning, and retirement-plan services using discretionary model portfolios overseen by an in-house Investment Committee.

Scott Ford is a financial advisor at CWM, LLC with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Carson Wealth, Cetera Advisor Networks, LPL Financial, and Cornerstone Wealth Management Group. Outside of his advisory role, Ford is involved in multiple business activities including authoring financial education materials, chairing the Four World International Institute focusing on social networks and environmental restoration, and volunteering with Eastern Panhandle Search & Rescue. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm manages accounts primarily on a discretionary basis using model portfolios and combines fundamental and technical analysis with third-party sub-advisors and customization tools, with a strong operational focus on retirement plans and institutional services.