Brian Barrows is a CFP®-certified financial advisor with three years of industry experience, currently affiliated with Cetera. He has held roles at multiple firms, including Barrows Trostle Advisors and Avantax Advisory Services. Outside of advising, he is involved in client service management focused on accounting and tax preparation. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Megan Stickell is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with Merrill since 2015. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Helen Taormina is a financial advisor with Raymond James & Associates in Chambersburg, PA, holding a Series 66 license and 10 years of industry experience. She previously worked at Merrill from 2015 to 2023 before joining Raymond James in 2023. Outside of her advisory role, she is a co-owner of an LLC with her husband, although she does not have direct management responsibilities. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and advisory services with a range of portfolio management strategies.

Alfred Smith is a Senior Resident Director and Wealth Management Advisor at Merrill, where he provides personalized wealth management strategies tailored to clients' individual financial goals. He leverages access to Merrill’s investment insights and Bank of America’s banking and lending solutions to create flexible strategies that adapt to changing market conditions. With a focus on managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income, Alfred employs a rational, goals-based approach to help clients manage risk and pursue long-term financial objectives. With over twenty years of experience navigating diverse economic and market environments, Alfred offers guidance to individuals, families, and businesses seeking to secure their financial futures. He holds the Certified Financial Planner (CFP®) and Personal Investment Advisor (PIA) designations, reflecting his commitment to professional standards and ongoing education. Alfred is a graduate of Tulane University and also holds a high school diploma from Montclair High School. Outside of his professional role, Alfred is active in community service, upholding Merrill’s tradition of local engagement. He enjoys cooking, golfing, running marathons, and playing tennis. When not working with clients, he spends time with his family, including his wife and two daughters, as well as pursuing yardwork and reading history.

Darrien Uglow is a financial advisor at Cetera with a Series 66 designation and no prior industry experience. He has been affiliated with Cetera and Cetera Investment Services LLC since 2025 and 2026, respectively, and has a background working at F&M Trust Co. and in the hospitality industry. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. It offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment strategies and third-party managers.

Phyllis Nye is a CFP® professional with 34 years of industry experience, currently serving at Cetera. Her career includes long-term roles at Orrstown Bank and Cetera Wealth Services, LLC. She is involved in community and nonprofit activities such as serving on the finance committee at Our Lady of the Visitation church, acting as vice president of the Summit Health Foundation Board, and participating on the Cumberland County Land Preservation board. Nye also holds leadership roles in local businesses, including vice president of H & H Chevrolet and Cadillac. Cetera Investment Advisers LLC is an SEC-registered firm that supports a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and advisory services, operating a multi-manager platform that allows advisors to implement model portfolios or bespoke strategies with discretionary and non-discretionary authorities.

Jarred Knott is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 12 years of industry experience. He has worked with Cetera since 2014 and is also a member of the Waynesboro Borough Council. Knott is involved in nonprofit activities, serving as president and treasurer of Mainstreet Waynesboro and participating on the Leadership Franklin County Steering Committee. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

John Reinert is a financial advisor with Edward Jones in Chambersburg, PA, holding CFP®, ChFC®, and Series 63 designations and having 35 years of industry experience. He has been with Edward Jones since 1990. Outside of his advisory work, he serves as president of a condominium association managing building operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm offers a range of advisory programs and investment options supported by a large network of advisors and branch offices nationwide.

Darren Grove is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1997 and focuses on delivering personalized attention and disciplined, customized investment strategies to high-net-worth individuals and families. His expertise encompasses areas such as education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and retirement income. Darren holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) credentials. He earned a Bachelor of Science degree in Business Administration with a major in Finance from Shippensburg University, Pennsylvania. Throughout his career, he has been involved in various community and professional roles, including membership in the Chambersburg Exchange Club, service at the Presbyterian Church of Falling Spring, and participation on the Shippensburg University Finance Advisory Council. Outside of his professional life, Darren enjoys biking, running, swimming, and music. He also spends time with his family, actively supporting his two daughters’ school and extracurricular activities.

Eric Alleman is a financial advisor with Edward Jones in Chambersburg, PA, holding a Series 66 designation and four years of industry experience. He previously worked at ACNB Bank for five years and Farmers and Merchants Trust Company for nine years. Outside of his advisory role, Alleman serves on the boards of the CASD Foundation and Greenvillage Youth League, and is a member of the finance committee at Five Forks Church. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies. The firm is notable for its large network of advisors and branches, affiliated mutual funds, and comprehensive services such as tax-efficient strategies and securities-based lending.

Megan Wall is a financial advisor with Ameriprise in Shippensburg, PA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Her prior roles include positions at Avantax Insurance Agency, Avantax Advisory Services, and Sniegocki Weaver Financial Solutions. Outside of her advisory work, she is employed by LJS Group LLC, a legal entity related to advisory services, and is involved in coordinating care between CPAs and clients through Pennoptic CPAs and Strategic Partners. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with their financial advisors.

Kristian Frank is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings a commitment to helping clients develop individualized wealth management strategies, focusing on areas such as corporate executive services, divorce transition planning, legacy planning, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Kristian works closely with his clients to balance risk and reward solutions based on their unique financial situations, goals, and risk tolerance. Kristian holds several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated in 1996 from Grove City College with a B.S. in Accounting and Political Science and also attended Gettysburg Theological Seminary for three years. Beyond his professional activities, Kristian is involved in various community organizations such as the American Cancer Society, Capitol Theatre, Chambersburg Council for the Arts, Civitan International, Kismore's Mission Support Team, and the Leukemia and Lymphoma Society. He enjoys gardening, hiking, ice hockey, pottery, reading, spending time with his family, traveling, and writing during his personal time.

Gregory Ocker is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Cetera since 2025. He previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. for over 25 years. Outside of advising, Ocker is involved in a window treatment franchise, handling bookkeeping and tax preparation duties. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services, offering flexible program options including discretionary and non-discretionary management across multiple custodial relationships.

William Graham V is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Merrill, and the Ludwig Institute for Cancer Research. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,000 financial advisors, offering a range of advisory programs and affiliated investment products.

Donetta Friese is a financial advisor at Cetera with 17 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Cetera Investment Services since 2013 and Farmers & Merchants Trust from 2006 to 2024. Outside of her advisory work, she is the owner and operator of a candle sales business called Country Trading Post. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services and access to third-party money managers.

Scott Bechtold is a financial advisor with Ameriprise, holding the ChFC® designation and Series 63 license, with 28 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, he is involved in business ownership and management activities related to office operations and market research through entities such as LJS Group LLC. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets. The firm provides advisory, brokerage, and insurance solutions, delivering retirement-income recommendations through a centralized consulting team using research, modeling, and tax-efficiency analysis.

Ronda Washinger is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Merrill since 2023 and has prior experience with the Greencastle Antrim School District and the Vets Canteen Association. Outside of her advisory role, she has been involved with the Minnequa Social Club and Messiah United Methodist Church for over a decade. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Galilee Harter is a financial advisor at Cetera with 14 years of industry experience and holds the Series 66 designation. Her prior experience includes roles at Wheatland Advisors, Inc and Orrstown Financial Services. She serves on the board of the Chambersburg Area Education Foundation, working to advance educational opportunities in her community. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform with access to affiliated and third-party managers across multiple program structures.

Shawn Michael is a financial advisor at Cetera with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at AXA Advisors and Amazon Fulfillment. Shawn serves as president of the board at the Boys and Girls Club of Chambersburg and Shippensburg, overseeing the CEO and managing board activities. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting various investment strategies and program structures.

Roderick Salter is a financial advisor at Edward Jones with 22 years of industry experience. He holds Series 63 and Series 65 designations and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds, operating under a fiduciary standard.