Jacob Caldwell is a CFP® professional with three years of industry experience, currently affiliated with Founders Financial Securities LLC. He has held roles at Morgan Financial Group, Park Avenue Securities, and Guardian Life Insurance Company. Outside of his advisory work, he serves as a board member for the nonprofit Week of Compassion. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of services such as portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing multiple investment programs and a combination of advisory, broker-dealer, and insurance capabilities.

Cindy Everly is a financial advisor with Founders Financial Securities LLC, holding a Series 66 designation and 21 years of industry experience. She has worked at Founders Financial Securities since 2012 and has operated Everly Financial Services, providing accounting, tax, financial planning, and insurance services since 1985. Prior to this, she spent 11 years at Steven Katz, CPA. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management programs, financial planning, retirement consulting, and brokerage and insurance services, utilizing both traditional and subscription-based delivery methods.

Chuckie Young is a financial advisor with Founders Financial Securities LLC, holding a Series 66 designation and three years of industry experience. He is also the managing partner of CoxHollidaYoung, PLLC, a CPA firm where he has worked since 1996. Founders Financial Securities serves a diverse client base including individuals, high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management and financial planning services, utilizing both traditional and non-traditional delivery methods and combining advisory, broker-dealer, and insurance capabilities.

Peter Warren is a financial advisor at United Brokerage Services, Inc. with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at United Brokerage Services since 2013. In addition to his advisory role, he serves as Market President at United Bank in Martinsburg, WV. United Brokerage Services, Inc. provides investment advisory and brokerage services to individuals, corporate pension and profit-sharing plans, and trust clients through various wrap fee and advisory programs. The firm primarily manages client assets on a non-discretionary basis and is affiliated with United Asset Management Corporation, a subsidiary of United Bank.

John Zinaich is a financial advisor at Founders Financial Securities LLC with 26 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations and has been with Founders Financial Securities since 2008. Outside of his advisory role, he serves as chairman of Paramount Baptist Church. Founders Financial Securities provides investment advisory services to individuals, retirement plan sponsors, trusts, and corporate clients through a network of investment adviser representatives managing approximately $4.1 billion in client assets. The firm offers multiple advisory platforms and services, including managed portfolios and specialized consulting such as 1031 exchanges.

Alfred Labib is a financial advisor with Kovack Advisors, Inc., holding a Series 66 credential and 27 years of industry experience. He previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., and Sunamerica Securities, Inc. Labib is also involved in managing Legacy Wealth Management, LLC. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, banks, and government entities, providing portfolio management and financial planning services through a combination of internally created models and third-party managers.

John Stevens III is a financial advisor with United Brokerage Services, Inc., holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Sharebuilder 401 K, Capital One Sharebuilder, Capital One Investment Services LLC, and Chevy Chase Financial Services Corporation. United Brokerage Services, Inc. provides investment advisory services to individuals, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm offers various managed account programs and emphasizes strategic and tactical asset allocation, use of mutual funds and ETFs, individual equity and fixed income selection, and tax-aware overlays.

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.

Karsyn Burker is a financial advisor at Carson Wealth with a Series 65 designation and four years of industry experience. Prior to joining CWM, LLC in 2026, Burker worked at Middletown Valley Bank and AC&T. CWM, LLC is an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing model portfolios developed by an Investment Committee and providing tailored investment solutions.

Daniel Graber is a financial advisor with Kestra Advisory who holds a Series 66 designation and has 10 years of industry experience. He has been with Kestra Advisory since 2017 and also serves as Vice President of Graber Financial Services, Inc., a firm he founded in 2004. In addition to his advisory work, he is involved in an investment partnership that focuses on publicly traded stocks. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services that include fiduciary consulting, plan-level investment advice, and advisor-managed accounts. The firm manages approximately $79.8 billion in assets and serves a range of clients including large institutional investors and sovereign wealth funds.

Michael Kolasa is a Series 65-licensed financial advisor at AE Wealth Management, LLC with six years of industry experience. He has worked at AE Wealth Management since 2020 and also has a longstanding role with Epic Planning, LLC, where he is involved in life insurance and annuity sales. Outside of his advisory work, he is an owner of The Hub Co-Op, LLC, a real estate leasing business in Martinsburg, WV. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a range of services including model portfolio solutions, discretionary asset management, financial planning, and plan consulting, supported by a platform that integrates multiple model managers and advisor-managed portfolios.

Zebulon Sale is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His career includes roles at Bb&T Bank and Bb&T Investments before joining Truist in 2019. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations, implementing advice through a combination of discretionary manager relationships and non-discretionary consulting supported by multiple third-party platforms.

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.

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.

Ashley Sowers is a financial advisor with Carson Wealth and holds Series 63 and Series 65 licenses. She has 23 years of industry experience, including roles at M&T Bank and First Command Financial Planning. Outside of her advisory work, she serves as a co-leader for a local Girl Scout troop. CWM, LLC, where she is affiliated, is an SEC-registered enterprise platform managing approximately $50.6 billion through over 650 advisors. The firm offers discretionary asset management, financial planning, and tailored investment solutions, supported by an Investment Committee that constructs and monitors portfolios using fundamental and technical analysis.

Shane Heizer is a financial advisor with Carson Wealth, holding a Series 65 license and six years of industry experience. Prior to joining Carson Wealth in 2020, he worked at Middletown Valley Bank for two years. He serves as a board member of the United Way of Washington County, MD. CWM, LLC is an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to construct and monitor model portfolios while providing tailored solutions and integrating custodial and technology partnerships.

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.

David Collins is a financial advisor with Stratos Wealth Partners, Ltd., holding Series 63, 65, and 66 licenses and bringing 32 years of industry experience. His career includes roles at LPL Financial, Crown Capital Securities, and Wilbanks Securities, among others. Outside of his advisory work, he is also a fitness instructor. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise firm with approximately 379 advisors and $18.6 billion in assets under management, serving a diverse range of individuals, retirement plans, corporations, nonprofits, and institutional clients. The firm employs an IAR-driven model with an open-architecture approach that integrates multiple third-party platforms and managers, offering discretionary and non-discretionary portfolio management tailored to client goals.

Adam Clayton is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 65 and Series 66 designations and seven years of industry experience. He has been with Bankers Life Advisory Services since 2019 and has a longer history at Bankers Life dating back to 2009. Clayton also manages a team of agents in his role as a unit supervisor and is involved in training and overseeing insurance product offerings, including Medicare Supplement and annuities. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan services. The firm uses a combination of fundamental, technical, and cyclical analysis to tailor asset allocations and provides both wrap and non-wrap investment programs.