Tyler Kitner is a financial advisor at Hoxton Planning & Management, LLC with a Series 65 designation and one year of industry experience. Prior to joining Hoxton Planning & Management, he worked at Jefferson Security Bank and has experience in retail and education. Hoxton Planning & Management, LLC provides financial planning, consulting, investment, and wealth management services to a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and government entities. The firm employs a strategic asset allocation approach informed by Modern Portfolio Theory and combines active management with diversified portfolios tailored to client risk tolerance, time horizon, and tax considerations.

Rhiannon Turner is a financial advisor at Hoxton Planning & Management, LLC with one year of industry experience. She holds a Series 65 designation and has prior experience at Martinsburg Institute, Taco Bell, and Shepherd University. Hoxton Planning & Management, LLC provides financial planning, consulting, investment, and wealth management services to individuals, trusts, estates, charitable organizations, corporations, and state and municipal government entities. The firm employs a strategic asset allocation approach informed by Modern Portfolio Theory and tailors portfolios to client risk tolerance, time horizon, and tax considerations.

Matthew Kradel is a CFP® professional with 14 years of industry experience. He is currently with Founders Financial Securities LLC and Morgan Financial Group, where he has worked since 2020. His prior experience includes roles at Cetera and First United Bank and Trust. Kradel is a member of the Shepherd University Alumni Association. 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 services such as portfolio management, financial planning, retirement consulting, and access to third-party asset managers, utilizing various advisory platforms and a combination of advisory, broker-dealer, and insurance capabilities.

Amanda Giangola is a financial advisor at United Brokerage Services, Inc. with 12 years of industry experience. She holds Series 65 and Series 63 licenses and has been with United Brokerage Services since 2015. United Brokerage Services, Inc. provides investment advisory services to individuals, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm’s investment approach includes strategic and tactical asset allocation, use of mutual funds and ETFs, individual equity and fixed income selection, and tax-aware overlays, with advice generally provided on a non-discretionary basis.

Julia Connell is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at United Capital Financial Advisors since 2016. She is the author of *Think Ahead: Ten Reasons Why You Need a Financial Planner* and holds board positions with the Valley Health System and the Community Foundation of the Northern Shenandoah Valley. United Capital provides national financial planning and discretionary investment management to a diverse client base, including high-net-worth individuals, retirement plans, and institutional accounts. The firm’s platform supports customized investment strategies and offers sub-advisory and consulting services, as well as technology and practice support through FinLife Partners.

Kathryn Lopez is a financial advisor at Wealthcare Advisory Partners LLC with a Series 65 credential and one year of industry experience. Her prior roles include positions at Water Street Financial, Navy Federal Credit Union, and Midatlantic Farm Credit. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, and retirement plans. The firm uses a goals-based financial advising method that incorporates proprietary software and behavioral economics, combining both passive and active investment strategies.

Shane Marrone is a financial advisor with United Brokerage Services, Inc. He holds a Series 66 designation and has five years of industry experience. Prior to his current role, he worked at United Bank for eight years. Marrone serves as a board member for Good Shepherd Interfaith Volunteer Caregivers in Shepherdstown, 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.

Ryan Oates is a CFP® professional with 19 years of experience in the financial services industry. He is affiliated with Wealthcare Advisory Partners LLC and has previously worked with Water Street Financial LLC and LPL Financial. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based financial advising approach supported by patented Wealthcare software and incorporates quantitative metrics alongside fundamental, technical, and behavioral analysis, offering both passive index-tracking and active management strategies.

Adam Stewart is a financial advisor at United Brokerage Services, Inc. in Martinsburg, WV, holding a Series 66 designation with 20 years of industry experience. He has been with United Brokerage Services since 2005. United Brokerage Services, Inc. provides investment advisory and brokerage services to individuals, including high-net-worth clients, as well as corporate pension and profit-sharing plans and trust clients. The firm offers various programs such as unified managed accounts and separately managed/manager-of-managers options, primarily managing assets on a non-discretionary basis while maintaining an affiliation with United Bank.

Michael Danjczek is a financial advisor with Great Valley Advisor Group, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior work includes roles at LPL Financial, Madison Avenue Securities, Brighter Financial Capital Management, Clark & Associates, Kalos Capital, and Prudential Financial Planning Services. Outside of his advisory work, he is a marksmen trainer and coach in Berryville, VA. Great Valley Advisor Group is a multi-team SEC-registered investment adviser serving individuals, retirement plans, trusts, and other entities. The firm offers discretionary and non-discretionary investment management, financial planning, and retirement consulting, utilizing a combination of in-house strategies and third-party managers across various platforms.

Brian Evans is a financial advisor at Navy Federal Investment Services, LLC with three years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing, Wells Fargo Bank, and Equitable Advisors. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union as well as individual investors and trusts, offering portfolio management, financial planning, retirement-plan fiduciary services, and an automated ETF-based Digital Investor product. The firm uses third-party portfolio managers on platforms such as Envestnet and provides ongoing account monitoring, rebalancing, and optional tax and impact overlay services.

Thomas Stine is a CFP® with 16 years of industry experience, currently advising at Wealthcare Advisory Partners LLC. He has worked at affiliated entities including Water Street Financial LLC and has experience implementing insurance recommendations as an insurance agent. Wealthcare Advisory Partners LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based financial advising approach supported by proprietary Wealthcare software and a behavioral economics framework, combining quantitative metrics with fundamental, technical, and behavioral analysis to guide investment decisions.

Stephanie Smith Tremoulis is a CFP® professional with 17 years of industry experience. She has been with TFO Wealth Partners since 2014 and previously worked at One To One, LLC from 2017 to 2019. TFO Wealth Partners is a multi-team registered investment adviser managing approximately $5.66 billion, offering discretionary and non-discretionary investment management, family office and Family CFO services, retirement plan consulting, and third-party manager consulting for high-net-worth individuals, family offices, trusts, charitable organizations, and businesses. The firm employs a long-term, allocation-driven investment approach based on Modern Portfolio Theory, utilizing mutual funds and ETFs with systematic rebalancing and tax-aware strategies.

Melanie Hitchen is a financial advisor at TFO Wealth Partners with 11 years of industry experience. She holds a Series 65 license and has worked at TFO Wealth Partners since 2013, with prior experience at Digital Insurance, LLC and Snellings Walters. Outside of her advisory role, she owns and operates Lockes Mill Farm, an equestrian farm, and serves as an owner and board member of Blue Ridge Capital Group, a medical management company. TFO Wealth Partners manages approximately $4.85 billion in assets for a diverse client base including high-net-worth individuals, family offices, retirement plans, trusts, and corporate clients. The firm employs a long-term, asset-allocation driven investment approach using model portfolios primarily composed of mutual funds and ETFs, with additional third-party managers for fixed income mandates.

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.

Christopher Cotterell is a financial advisor with Wealthcare Advisory Partners LLC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has worked with Wealthcare Advisory Partners and its d/b/a Water Street Financial since 2016 and has also been affiliated with LPL Financial since 2016. Cotterell is a managing partner of Water Street Financial. Wealthcare Advisory Partners LLC manages approximately $6.0 billion in client assets through a team of over 150 advisors, serving individuals, trusts, estates, retirement plans, charitable organizations, and businesses. The firm employs a goals-based, client-centered planning process supported by proprietary software and integrates evidence-based investment strategies with access to alternative and private placement investments.

Ari Sommer is a financial advisor at Avior Wealth Management, LLC with four years of industry experience. He holds a Series 65 designation and has a background in legal services, including ownership and leadership roles at Harrison & Johnston, PLC and Ari N. Sommer, Esq., PC. Outside of advising, Sommer is involved in legal services through his law practice and holds interests in insurance and other business ventures. Avior Wealth Management serves a diverse client base that includes individuals, institutions, pension plans, and banks, offering investment management, financial planning, and consulting services. The firm employs a fundamental analysis investment approach and utilizes a mixture of direct portfolio management, separately managed accounts, and third-party platforms.

Stephen Baker is a ChFC®-designated advisor with Mutual of Omaha Investor Services, Inc., bringing 29 years of industry experience. He has been with Mutual of Omaha and its related entities since 1995. Outside of his advisory work, he is involved with the Millbrook Pioneer Athletic Association, a booster club supporting high school athletics. Mutual of Omaha Investor Services, Inc. offers financial advisory services to individuals, corporations, and qualified retirement plans. The firm uses a platform in partnership with Envestnet and emphasizes managed solutions, including model portfolios and third-party money manager relationships.

Joshua Williams is a CFP® and holds a Series 65 license with seven years of industry experience. He has been with United Capital Financial Advisors since 2017, including its predecessor entity, and is based in Winchester, VA. United Capital Financial Advisors provides financial planning and investment management services nationally to a diverse client base, including individuals, corporations, retirement plans, and charitable organizations. The firm employs discretionary portfolio management using asset-allocation models and offers customized strategies including ESG and faith-based options, supported by proprietary technology and access to external research.

Kristen Money is a financial advisor with Great Valley Advisor Group, LLC, holding a Series 65 designation and five years of industry experience. She has worked at First Light Financial, Brighter Financial Capital Management, Kalos Capital, and Clark & Associates. Outside of advising, she has engaged in insurance activities through Clark & Associates, Inc. Financial Solutions. Great Valley Advisor Group is an SEC-registered, multi-team investment adviser serving individuals, retirement plans, trusts, and other entities. The firm offers discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting, utilizing a combination of in-house strategies and third-party managers.