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.

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.

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.

Courtney Carberry is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. Her prior roles include positions at WatersEdge Wealth Management and Honeywell. She is based in Woodsboro, MD. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for goal analysis and delivers written recommendations in collaborative annual planning relationships.

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.

Eric Morrow is a financial advisor with Ameriprise, holding a Series 66 designation and 24 years of industry experience. His prior work includes roles at CUSO Financial Services, Cetera Advisor Networks, Summit Financial Group, and M&T Securities. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, providing detailed Recommendation Reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver tailored, algorithm-assisted advice primarily for clients with Ameriprise-managed accounts.

Stuart Wright is a financial advisor with Cetera, holding a Series 66 designation and nine years of industry experience. His prior work includes roles at Bank of America, Merrill, TIAA, and TIAA-CREF. He also administers trusts for ACNB Bank, assisting with client inquiries and account management tasks without handling securities transactions. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, employing a multi-manager platform that provides access to affiliated and third-party money managers across various program structures.

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.

Jerred Brown is a financial advisor with Raymond James Financial in Hagerstown, MD, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with Raymond James since 2016 and also serves as Branch Manager at Antietam Wealth Management II. Additionally, he is Co-Chair of the Administrative Committee at St. Andrew Presbyterian Church. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutions. The firm provides financial planning and non-discretionary investment consulting through various programs and collaborates with clients to develop tailored financial plans and investment recommendations.

Barbara Winters is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. 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.

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.

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.

Laura Beall is a Series 66-credentialed financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. She previously worked at Edward Jones for seven years before joining Cambridge in 2020. Beall serves as a board member and first vice president of the Glad Valley Lions Club and is also on the board of the Women’s Business Network in Frederick, MD. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a broad range of clients, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, utilizing a mix of direct portfolio management, model-based solutions, and referrals to third-party managers.

Bruce Neterer is a financial advisor with LPL Financial in Hagerstown, MD, holding a Series 66 designation and two years of industry experience. He has worked at LPL Financial and Sterling Financial Management since 2019 and has teaching experience at California University of Pennsylvania and Waynesboro Area High School. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering financial planning, advisory programs, retirement plan consulting, and brokerage services. The firm provides both discretionary and non-discretionary management and utilizes model portfolios and research from LPL Research, third-party subadvisors, and TAMP sponsors.