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.

Alexis Bush is a financial advisor at Carson Wealth with a Series 65 designation and four years of industry experience. Prior to joining Carson Wealth, Alexis held roles at Bowers Advisory Group and MVB Bank, and was a full-time student for nine years. CWM, LLC is an SEC-registered investment adviser operating an enterprise platform with over 650 advisors and approximately $50.6 billion in assets under management. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing an Investment Committee to construct and monitor model portfolios and providing tailored solutions such as Orion Custom Indexing and access to alternative investments.

Scott Ford is a financial advisor with Carson Wealth and holds Series 63 and Series 65 licenses. He has 28 years of industry experience and has worked at firms including Cetera Advisor Networks, LPL Financial, and Cornerstone Wealth Management Group. Ford is involved in a variety of outside activities including authoring financial education materials, chairing the Four World International Institute, and volunteering with Eastern Panhandle Search & Rescue. CWM, LLC operates as an SEC-registered investment adviser with more than 650 advisors and oversees approximately $50.6 billion in assets. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing model portfolios and tailored investment solutions through partnerships and integrated custodial platforms.

Sevda Yakhuzova is a Series 65 credentialed advisor with Carson Wealth, bringing several years of experience in financial services and banking. She has held positions at Carson Wealth since 2023 and previously worked at Middletown Valley Bank and United Bank. CWM, LLC operates an enterprise platform with over 650 advisors managing approximately $50.6 billion. 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 through partner platforms and third-party sub-advisors.

Christopher Corcoran is a CFP® with 21 years of industry experience, currently serving as a financial advisor at Raymond James Financial. He previously worked at Cetera Investment Services LLC and BB&T Investments. Corcoran is also involved with Alexander Financial Group in a non-owner advisor role. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports municipal and public finance through a unique affiliation with a municipal advisor.

David Girio is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the Chambersburg, PA office. He has been with his current employer for over 16 years and has more than 26 years of experience in the financial services industry. David specializes in individual wealth planning, goal attainment, and portfolio management. His areas of expertise include college education planning, liquidity management, managing new wealth, personal retirement planning, socially responsible and ESG investing, women and wealth, sports and entertainment, tax minimization, and retirement income strategies. David holds the designation of Personal Investment Advisor (PIA) and earned a Bachelor's Degree from Bloomsburg University of Pennsylvania. David follows Merrill’s tradition of community involvement and is active in volunteering within the local community. Outside of his professional work, he has personal interests in fishing, golfing, and hunting. His approach is centered on working one-on-one with clients to develop personalized financial strategies aimed at pursuing their long-term goals.

Grant Keyser is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and currently in his first year in the industry. Prior to joining Wells Fargo, he held various roles in hospitality and real estate sectors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

William Abeles Jr. is a CFP® and ChFC® with 41 years of industry experience, currently associated with Wells Fargo Clearing since 2016. He is based in Hagerstown, MD, and serves as treasurer for the Hagerstown-Wesel Sister City Affiliation and sits on the board of trustees for the YMCA of Hagerstown. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

James Holzapfel is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 63 license and over 54 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following a four-year tenure at Wells Fargo Clearing. Outside of his advisory role, Holzapfel is involved in various community and charitable activities, serving as a trustee for local trusts and foundations, participating on the finance committee of St. Marks Episcopal Church, and holding leadership roles with the Washington County Museum of Fine Art and the Holzapfel Family Charitable Foundation. He also has entrepreneurial interests in local recreational ventures including baseball-related businesses. Morgan Stanley Wealth Management provides advisory services to individuals and institutions, offering tailored financial planning supported by structured discovery and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and combines a wide range of retail and institutional offerings with specialized investment and financial planning resources.

Jerred Brown is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2016 and previously spent time at Securities America Advisors, Inc. and Edward Jones. Outside of his advisory role, he serves as Branch Manager at Antietam Wealth Management II and as CoChair of the Administrative Committee at St. Andrew Presbyterian Church. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through its advisory programs and institutional consulting network.

Barbara Winters is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Catharine Weber is a financial advisor at RBC Capital Markets with a Series 66 credential and three years of industry experience. She has worked at firms including City National Bank, Johnson, Gasink & Baxter, LLP, and Compass Wealth Strategies. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and customizes investment strategies based on client risk profiles, utilizing both in-house and third-party managers.

Luke Ocker is a CFP® professional with four years of industry experience, currently serving as an advisor at Cetera. He has previously worked with Avantax Insurance Services and Avantax Advisory Services, and operates Ocker Financial Services LLC. Outside of his advisory roles, he has experience in business operations and client advising through his own financial services firm. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a nationwide network of independent advisors and employs a multi-manager platform with both discretionary and non-discretionary account options.

Gretchen Gawler is a Series 66-credentialed financial advisor with RBC Capital Markets, bringing 2 years of industry experience. She has been with RBC Wealth Management since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides services to individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients' risk profiles.

Lori Gontz is a financial advisor at Primerica Advisors with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Primerica Advisors since 2019, following prior roles at PFS Investments Inc. and Primerica Financial Services. Outside of her advisory work, she has been involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Zane Schreiber is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at The George Washington University from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Kelsi Munson is a financial advisor at Edward Jones with seven years of industry experience. She holds a Series 66 designation and has been with Edward Jones since 2013. Outside of her advisory role, Munson serves on the board of The Children's Village in Hagerstown, MD, and creates and sells jewelry made from sea glass through a local consignment shop. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, as well as affiliated mutual funds and tax-efficient services.

Suzanne Hayes is a financial advisor at Merrill with Series 63 and Series 65 credentials and 51 years of industry experience. She has worked with Merrill since 2006 and Bank of America since 2009. Outside of her advisory work, she owns a farm business and serves on the Washington County Agricultural Land Preservation Advisory Board in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Kenneth Holzapfel is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley and Wells Fargo Clearing before his current role at Morgan Stanley Private Bank, N.A. since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques as part of its advisory services.