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. He holds a Series 66 designation and has 27 years of industry experience. Prior to joining Kovack Advisors in 2022, he worked at SagePoint Financial, Inc. for 13 years. Labib is also involved in managing a wealth management business and has experience in insurance sales and property management. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves individuals, pension plans, charitable organizations, banks, and government clients using a combination of internally created models and third-party managers to construct and manage portfolios.

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.

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 23 years of industry experience. His career includes roles at Truist and its predecessor entities, including Bb&T Securities and Bb&T Bank. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a mix of discretionary and non-discretionary manager relationships supported by extensive inter-affiliate integration and AI-enhanced research tools.

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.

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.

Gregory Andra is a financial advisor with Commonwealth Financial Network in Williamsport, MD, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Commonwealth Financial Network since 2010 and previously operated Urner Andra Investment Management. Andra also manages fixed insurance sales from a branch location. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, allowing advisors discretion in constructing portfolios while offering model portfolios and specialized program options through its Investment Management and Research team.

Alfred Norton III is a financial advisor at NewEdge Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. Outside of his advisory role, Norton is the managing partner of Norton Consulting III, where he provides consulting and sales services related to Medicare Advantage, Medicare Supplement, and other health insurance plans. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a wide range of portfolio management and consulting services, utilizing multiple program structures and technology tools to support advisors and clients.

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.

Steve Hose is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial and affiliated with The Hose Group since 2010. Outside his advisory role, he is involved with Hose Group, Inc., including a non-variable insurance business with a minority ownership stake. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Forrest Miles is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He previously worked at PNC Investments for 16 years before joining LPL Financial in 2022. Outside of his advisory role, he is involved with Miles Financial Solutions LLC, a business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from both in-house and third-party sources.

Evan Vink is a financial advisor with LPL Financial in Hagerstown, MD, holding a Series 66 license and five years of industry experience. His prior roles include positions at Sterling Financial Management, the Department of Defense, and Red Bull. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Colleen Smith is a financial advisor with OSAIC holding a Series 66 designation and two years of industry experience. Her prior roles include positions at Morgan Stanley, FSC Securities Corporation, and Kramer Financial LLC. Outside of financial services, she works as an American Sign Language interpreter for Purple Communications. OSAIC serves a diverse client base ranging from individual investors to institutions, offering integrated brokerage and advisory services along with access to various managed account solutions. The firm employs comprehensive asset allocation tools and a mix of investment products tailored to client needs, supported by a complex corporate structure and multiple third-party partnerships.