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.

John Hose II is a Series 66-credentialed advisor with 14 years of industry experience. He has been with Madison Avenue Securities, LLC since 2011 and is also president and owner of Life Financial, a business focused on life and health insurance and annuities. Outside of his advisory roles, he serves as treasurer for Ravens Roost #7, a nonprofit that awards scholarships and donates to local charities including Special Olympics. Madison Avenue Securities, LLC provides investment advisory and related services to individuals, charitable institutions, foundations, trusts, and employer-sponsored retirement plans. The firm manages approximately $2.0 billion in assets and offers a range of portfolio management, financial planning, pension consulting, and college-savings services through a variety of account platforms and investment approaches.

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 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.

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.

Ashley Sowers is a financial advisor with CWM, LLC, holding Series 63 and Series 65 licenses and 23 years of industry experience. Her career includes roles at Carson Wealth, Cetera Advisor Networks, First Command, and M&T Securities. She is also involved as a co-leader of a local Girl Scout troop. CWM, LLC is an SEC-registered investment adviser serving individuals, families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm employs discretionary portfolio management with model portfolios overseen by an internal Investment Committee and offers a range of services including financial planning, retirement-plan management, and sub-advisory solutions.

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.

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. He holds Series 65 and Series 66 licenses and has seven years of experience in advisory services, with a total of 17 years at Bankers Life. He also manages a team of agents and is involved in hiring and training within his insurance role. Bankers Life Advisory Services, Inc. serves mass-affluent and high-net-worth individuals with discretionary portfolio management, investment consulting, and retirement plan consulting. The firm utilizes a combination of fundamental, technical, and cyclical analysis to create tailored portfolios aligned with clients’ goals and risk tolerances.

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.

Gregory Andra is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with Commonwealth since 2010 and has managed his own practice, Andra Wealth Management, since 2016. His outside business activities include fixed insurance sales from his branch location. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and their individual and institutional clients. The firm provides a comprehensive adviser-support platform with access to model portfolios, third-party asset managers, retirement consulting, and custody services.

Alfred Norton III is a financial advisor with NewEdge Advisors and holds Series 63 and Series 65 licenses. He has 26 years of industry experience, including 16 years with Mass Mutual Investors Services and 17 years with MassMutual Life Insurance. Outside of investment advising, he is the managing partner of Norton Consulting III, specializing in Medicare sales and consulting. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a variety of services, including portfolio management, financial planning, and retirement consulting, and employs a range of program structures combining in-house and third-party manager strategies with technology-driven tools.

Nathanael Hanft is a CFP® with 23 years of experience in the financial services industry. He is currently affiliated with Wealth Enhancement Advisory Services, LLC and has prior experience with firms including Serafini Financial Group and Commonwealth Financial Network. Hanft is also involved with an insurance agency, Opal Medigap. Wealth Enhancement Advisory Services (WEAS) provides financial planning, asset management, and retirement-plan consulting for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment process blending passive and active managers, supported by an internal Investment Committee.

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.

Sevda Yakhuzova is a financial advisor at CWM, LLC with a Series 65 credential and one year of industry experience. Her prior roles include positions at Carson Wealth, Middletown Valley Bank, and United Bank. 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 offers portfolio management, financial planning, and retirement-plan services, employing discretionary management with model portfolios overseen by an in-house Investment Committee.

Steve Hose is a financial advisor at LPL Financial with 31 years of industry experience. He has held positions at LPL Financial since 2010, previously working at M&T Securities, Inc. and Raymond James Financial Services, Inc. He is registered with Series 63 and Series 65 credentials and is involved with The Hose Group, which includes non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing various investment strategies and tools to support its extensive network of over 22,800 advisors managing more than $819 billion in discretionary assets.