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.

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 has been with LPL Financial since 2010 and has additionally been involved in pension administration services as a third-party administrator for municipal pension plans. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations, offering a range of financial planning, advisory programs, and brokerage services supported by research and model portfolios.

Billy Shank Jr. is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. He has worked at firms including Covered Bridges Financial Strategies, LLC and Grove Point Advisors, LLC. Outside of his advisory role, he is involved with Covered Bridges Financial Strategies, LLC, a non-variable insurance business. LPL Financial serves individual clients, retirement plans, financial institutions, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management along with model portfolios and third-party research.

Kenneth Holzapfel is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Advisors/Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Alex Bacay is a financial advisor at Ameriprise with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Cuso Financial Services, LP for 16 years. Outside of advising, he serves on the Finance Council of Corpus Christi Catholic Church in Chambersburg, PA. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Jacquelin Brumbaugh is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 12 years of industry experience. She has worked at Raymond James since 2018 and previously spent seven years with Wells Fargo Advisors Financial Network. Outside of her advisory role, she supports operations at The Alexander Financial Group in McConnelsburg, PA. 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, institutions, and charitable organizations. The firm delivers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a municipal advisor affiliation, offering a range of advisory programs and consulting services.

Carol Gillespie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and bringing 31 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent seven years with Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm is notable for including insurance-related vehicles and bank deposit sweep options within its investment menus, alongside traditional investment products.

Ryan Flurie is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he manages the finances of R&J Assets LLC, a real estate holding company in which he holds a 51% ownership stake. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christopher Sabatino is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has served as a Registered Representative since 2007. Outside of his advisory role, he is involved in the operation of a wellness center run by his fiancée in a commercial building he owns. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from LPL and third-party providers.

Peter Llaguno is a financial advisor at Merrill with 18 years of industry experience. He holds Series 66 and Series 63 designations. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, and PNC Investments. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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.

Lori Hoffeditz is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Grove-Hoffeditz Group, a Wealth Management Advisory team. The team focuses on serving high net worth, multi-generational families and retirees by assisting them in managing all aspects of their financial lives. Lori's role involves providing traditional advice and guidance, as well as recommending individual or combined investment strategies, funds, or portfolios from Merrill or approved third-party managers. Lori holds a Bachelor of Science Degree in Business Administration with a concentration in Finance from Millersville University of Pennsylvania. She began her career at Merrill in 1988 as a Client Associate and has held various roles including Resident Director's Assistant before becoming a Financial Advisor in June 2015. She is a qualified Portfolio Advisor and holds the Personal Investment Advisor (PIA) designation. Lori has also contributed to peer-to-peer training as a member of the Merrill Optimal Practice Model Client Associate Faculty Alumni Team. Residing in Chambersburg with her husband and son, Lori enjoys fitness training, OCR racing, swimming, kayaking, biking, and painting. She is involved in the Chambersburg Gridiron Club.

Brittany Morton is a financial advisor with Wells Fargo Clearing in Hagerstown, MD, holding a Series 66 designation and three years of industry experience. She has worked at Wells Fargo Clearing since 2018 and previously spent two years at Citi Corp. Prior to her finance career, she was employed at MedExpress Urgent Care for five years. 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 approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

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.

Michael Mcguire is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and families develop personalized financial strategies to support their long-term goals. Michael works closely with clients to prioritize objectives, allocate resources, and establish an investment process tailored to their needs. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income. Michael combines his client-centered approach with access to Merrill Lynch’s financial resources to provide integrated support for his clients’ financial lives. Michael holds a High School Diploma from Conrad Weiser Area School District and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is involved with Kiwanis International and spends time volunteering in the community. Outside of work, Michael enjoys basketball, cooking, football, and golfing.

Jill Mumaw is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at LPL Financial since 2021 and has been with M&T Securities, Inc. since 2003. Outside of her advisory role, she is a member of Liberty Group LLC, involving herself in tenant management for the group's rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves 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, including model portfolios and research support from LPL Research and third-party subadvisors.

Elizabeth Rodriguez is a financial advisor at Osaic Wealth, Inc. with one year of industry experience. She holds a Series 66 designation and is based in Hagerstown, Maryland. Her prior work includes roles outside the financial industry, including positions in salon and day spa services and time as a full-time student. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through an extensive network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, financial planning, and access to third-party money managers, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various investment types.

Tiffany Frederick is a financial advisor with LPL Financial in Chambersburg, PA, holding Series 63 and Series 66 credentials and having 12 years of industry experience. She has worked at LPL Financial since 2019 and has also been affiliated with M&T SECURITIES, Inc. since 2013. Outside of her advisory work, she is the owner and member of T&T F Investments LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Lisa Taylor is a ChFC® with 17 years of industry experience, currently serving as a financial advisor at Edward Jones since 2011. She is licensed with Series 63 and Series 66. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including non-high-net-worth and high-net-worth households, pension and profit-sharing plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Weston Waytow is a financial advisor at Thrivent Investment Management with Series 63 and Series 65 designations. He has been with Thrivent since 2026 and has prior experience with the Borough of Chambersburg and Outdoor Living LLC. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on various financial planning topics without implementing those recommendations. The firm emphasizes holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”