Janine Sam is a CFP® with five years of industry experience, currently advising at Empower Advisory Group. Her prior roles include positions at GWFS Equities, Inc. and teaching appointments at Shepherd University and Massey University. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage account holders. The firm’s services integrate with Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates through both standalone plans and managed account solutions.

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 in Williamsport, MD, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. He has worked at Commonwealth Financial Network since 2010 and previously operated Urner Andra Investment Management. Andra also manages fixed insurance sales from a branch location. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and back-office support, allowing advisors discretion in constructing portfolios while offering model portfolios and specialized program options through its Investment Management and Research team.

Alfred Norton III is a financial advisor at NewEdge Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Mass Mutual Investors Services and MassMutual Life Insurance Company. Outside of his advisory role, Norton is the managing partner of Norton Consulting III, where he provides consulting and sales services related to Medicare Advantage, Medicare Supplement, and other health insurance plans. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a wide range of portfolio management and consulting services, utilizing multiple program structures and technology tools to support advisors and clients.

Nathanael Hanft is a CFP® professional with 22 years of industry experience, currently serving as a financial advisor at Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at Serafini Financial Group and Commonwealth Financial Network. Hanft also operates a side business related to real estate rental in Hagerstown, MD. 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 offers financial planning, asset management, and specialized consulting with an investment process that combines passive and active management guided by quantitative and fundamental research.

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 with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial and affiliated with The Hose Group since 2010. Outside his advisory role, he is involved with Hose Group, Inc., including a non-variable insurance business with a minority ownership stake. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Forrest Miles is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 41 years of industry experience. He previously worked at PNC Investments for 16 years before joining LPL Financial in 2022. Outside of his advisory role, he is involved with Miles Financial Solutions LLC, a business entity established for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from both in-house and third-party sources.

Evan Vink is a financial advisor with LPL Financial in Hagerstown, MD, holding a Series 66 license and five years of industry experience. His prior roles include positions at Sterling Financial Management, the Department of Defense, and Red Bull. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Bradley Mullins is a financial advisor with Equitable Advisors, holding a Series 66 designation and two years of industry experience. Prior to joining Equitable Advisors, he was self-employed for five years and worked for the Commonwealth of Virginia for three years. Equitable Advisors serves individual investors, retirement plan sponsors and participants, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model and offers both advisory and brokerage/insurance channels to implement client recommendations.

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.

Allison Myers is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has previously worked at Anchor Home Inc. and Frederick County Parks and Recreation. 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 under management and offers a range of investment advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

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 financial advisor at Wells Fargo Clearing with 40 years of industry experience. He holds the CFP® and ChFC® designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Abeles serves as treasurer for the Hagerstown-Wesel Sister City Affiliation and is a member of the board of trustees for the YMCA of Hagerstown. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA 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 among its investment offerings.

Amy Stine is a Series 66-licensed financial advisor at Edward Jones with one year of industry experience. She previously worked with the Arts Alliance of Greater Waynesboro from 2016 to 2017. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

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 four years of industry experience. She holds the Series 66 designation and has previously worked at Cetera, Edward Jones, and Wells Fargo Home Mortgage. Outside of her advisory work, she is involved with ARCC 172 Flyers, LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research and third-party subadvisors.

James Holzapfel is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 53 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following prior positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of financial advising, Holzapfel is involved in several community and recreational ventures, including serving on the finance committee of St. Marks Episcopal Church, holding leadership roles at the Washington County Museum of Fine Art, participating on the advisory board for the University System of Maryland at Hagerstown, and managing local baseball-related businesses. Morgan Stanley Wealth Management serves individual and institutional clients by providing a broad range of advisory programs and tailored financial planning services. The firm uses structured planning tools and investment research to develop client plans and offers a variety of investment and financial product solutions across retail and institutional sectors.