Colleen Smith is a financial advisor with OSAIC, holding a Series 66 designation and two years of industry experience. She has worked at several firms including Morgan Stanley, FSC Securities Corporation, and Kramer Financial LLC. Outside of her advisory role, she works as an American Sign Language interpreter with Purple Communications. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its large scale, recent consolidation activities, and a complex network of affiliated entities.

Tracy Regalia is a Series 66 credentialed financial advisor with Edward Jones, where she has worked since 2019. She has seven years of experience in the financial industry and serves in the West Virginia Air National Guard as a part-time Drill Status Guardsman. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of approximately 23,701 financial advisors.

Bradley Mullins is a financial advisor at Equitable Advisors with three years of industry experience. He holds a Series 66 designation and previously worked for the Commonwealth of Virginia and as a self-employed professional. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors.

Shane Small is a financial advisor with Cetera Investment Advisors and holds a Series 66 designation. He has 16 years of industry experience, including a decade with Cetera and First United Bank and Trust. He serves as a board member of Waynesboro Country Club. Cetera Investment Advisors operates as a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm provides portfolio management, financial planning, and access to third-party money managers through various program structures nationwide.

Wilson Rimmer is a financial advisor with Thrivent Investment Management in Martinsburg, WV, holding Series 63 and Series 65 licenses and six years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2019. Prior to his financial career, he worked with the Potomac District of the Assemblies of God for 18 years. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning without discretionary trading authority and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Heidi Reif Jones is a financial advisor at LPL Financial with five years of industry experience. She holds the Series 66 designation and has previously worked at Cetera, Edward Jones, and Wells Fargo Home Mortgage. In addition to her advisory role, she is involved with Sequoia Wealth Solutions LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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.

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.

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.

Vernon Dabney is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and 12 years of industry experience. He previously worked at Edward Jones for eight years before joining Raymond James in 2022. Dabney is also the founder of Forethought Wealth Management LLC, where he serves as financial advisor and office manager. 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 institutional investors. The firm offers tailored, non-discretionary planning and employs analytical tools to support client goals, with specialized services in municipal and public finance.

Nicholas Aberegg is a financial advisor with Equitable Advisors in Martinsburg, WV, holding a Series 66 credential and 19 years of industry experience. He has been with Equitable Advisors since 2007, including its predecessor AXA Advisors, LLC. Outside of his advisory role, he serves on the boards of the Eastern Panhandle WVU Alumni Association and the Eastern West Virginia Community Foundation, where he is also a scholarship committee member. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm works through a network of Investment Adviser Representatives and partners with third-party managers to offer a broad range of investment 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.

Bruce Neterer is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has worked at LPL Financial and Sterling Financial Management since 2019. Prior to his advisory roles, he spent time at California University of Pennsylvania and Waynesboro Area Highschool. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of advisors and technology tools.

David Neterer is a financial advisor with LPL Financial in Hagerstown, MD, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He previously worked at Raymond James Financial Services from 2001 to 2006 and has been with LPL Financial since 2010. Outside of his advisory role, he provides pension administration services for municipal pension plans in Pennsylvania. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supported by advanced advisor tools and oversight of significant discretionary assets.

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.

Bradley Close is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. Prior to joining Cetera in 2025, he spent six years with Avantax Advisory Services. Outside of his advisory role, he serves on the boards of the Berkeley County Development Authority, the Eastern West Virginia Regional Airport Authority, and Hope Community Church. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a multi-manager platform that provides access to affiliated and third-party managers, discretionary and non-discretionary portfolio management, and a variety of program structures.

Jennifer Brandenburg is a financial advisor with RBC Capital Markets in Hagerstown, MD, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with RBC Capital Markets since 2009 and has owned Chesapeake Bay Seafood House since 1991. Brandenburg serves on the board of directors for the Howard & Anne Kaylor Charitable Foundation, overseeing community nonprofit disbursements. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutions, and charitable organizations with tailored investment strategies and a range of advisory programs that include portfolio management, financial planning, and brokerage services.

Kyle Anderson is a financial advisor with Equitable Advisors in Martinsburg, WV, holding a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, he spent ten years at Battery Mart of Winchester, Inc. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and various asset-management programs, utilizing a range of proprietary and third-party advisory models and investment products.

Thomas Roccograndi is a financial advisor with Charles Schwab in Hagerstown, MD, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. He has been with Charles Schwab since 2012 and also manages his own firms, Roccograndi Management, LLC, and Hope Meadows Farm, LLC. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary and discretionary investment management, supported by a large scale and integrated operational structure.