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.

Connor Smith is a CFP® professional with five years of industry experience, currently serving as a financial advisor at Osaic Advisory Services, LLC. He previously worked at Kampstra Wealth Management and Triad Advisors, among other roles. He is also a shareholder and financial advisor at Kampstra Enterprises, where he participates in business management and oversight. Osaic Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base, including individuals, pension plans, corporate and charitable entities, and sovereign wealth funds. The firm employs a mix of fundamental and technical analysis, tactical trading, direct indexing, and structured products, offering a range of investment solutions through both discretionary and non-discretionary account management.

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.

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 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.

Kelly Kampstra is a CFP® professional with 14 years of industry experience, currently with Osaic Advisory Services, LLC. She previously worked with Triad Hybrid Solutions, Triad Advisors, Geneos Wealth Management Inc, and Ferrara Kampstra. Kampstra serves as treasurer for the Adams County Library System, a local nonprofit organization. Osaic Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, pension and profit-sharing plans, corporate and charitable entities, and sovereign wealth funds. The firm offers a range of managed programs, retirement plan consulting, financial planning, and access to alternative investments through an integrated platform model.

Gina Kiefer is a CFP® professional at Beacon Pointe Advisors, LLC with one year of industry experience. Her background includes six years at The Family Firm and prior roles in both education and advisory settings. Beacon Pointe Advisors, LLC serves a diverse client base including individuals, corporations, and institutional clients, offering wealth advisory, financial planning, retirement-plan services, and outsourced chief investment officer solutions. The firm utilizes a combination of asset-allocation modeling and third-party Independent Managers, applying both active and passive strategies across public and private asset classes.

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.

Lee Fortenberry is a CFP® and ChFC® with 34 years of industry experience, currently serving as a financial advisor at Guardian Life and Park Avenue Securities in Gettysburg, PA. He has an extensive background including nearly three decades at Northwestern Mutual. Outside of his advisory role, he is an adjunct professor at Shippensburg University, a leadership coach, and works as a golf course starter. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporations, retirement plans, and nonprofits. The firm offers a combination of advisor-led discretionary management and model-based strategies, with tailored client relationships and access to insurance products and alternative investments.

John Saunders II is a financial advisor at Carson Wealth with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cetera Advisor Networks, LPL Financial, and Cornerstone Wealth. Outside of advisory work, he serves as treasurer for a homeowners association and is involved in life insurance sales and farmland rental operations. He is also affiliated with CWM, LLC, an SEC-registered investment adviser managing approximately $50.6 billion through a platform of over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing a committee-driven investment process and incorporating various tailored portfolio solutions.

Joseph Gagliardi Jr is a financial advisor at PNC Wealth Management with 22 years of industry experience. He holds the Series 66 designation and has been with PNC Investments since 2016. Prior to that, he worked at Grove Point Investments, LLC for eight years. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithmic risk assessment and implements investments via approved model strategies managed by PNC or third-party strategists.

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, holding Series 63 and Series 65 designations and having 15 years of industry experience. Her career includes roles at Truist Advisory Services since 2021 and prior positions with 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, utilizing both discretionary manager relationships and non-discretionary consulting supported by third-party platforms and AI-enabled research tools.