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.

James Mc Neill is a financial advisor with T. Rowe Price Advisory Services, Inc., holding Series 63 and Series 66 licenses and eight years of industry experience. He has been with T. Rowe Price since 2018. Outside of his advisory role, he serves as a referee for men's and boys' lacrosse games through the Western Maryland Lacrosse Officials Association. T. Rowe Price Advisory Services offers retirement-focused financial planning and discretionary investment management to individual investors and households, utilizing proprietary mutual funds and ETFs in model portfolios guided by an online planning tool and supported by financial advisors.

Robert Brill is a Certified Financial Planner® (CFP®) with 22 years of industry experience, currently serving at PNC Wealth Management since 2011. He holds the Series 66 designation and operates out of Frederick, MD. PNC Wealth Management provides retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessments and employs mutual funds and ETFs for portfolio management.

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.

Joshua Hoffman is a Series 66-licensed financial advisor at PNC Wealth Management with three years of industry experience. He has held roles at several firms, including Merrill, Morgan Stanley, and Bank of America. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an online discretionary model account available by invitation to employees. The firm uses algorithm-driven risk assessments and implements investments via mutual funds and ETFs with annual rebalancing, delegating portfolio management and proxy voting to third parties.

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.

Jason Bowers is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Pruco Securities LLC and The Prudential Insurance Company of America for 11 years. Outside of his advisory role, he is also a financial planner at Convergent Financial Partners and an insurance agent selling fixed insurance products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Richard Streett V is a Financial Advisor at Merrill Lynch Wealth Management. He joined the firm in 2023 and focuses on retirement planning as well as assisting individuals and families with saving for college education and preparing for healthcare costs. Richard aims to help clients understand how various aspects of their financial lives interconnect to support their long-term goals. Richard holds a Bachelor of Science in Business Administration with a concentration in Finance and Portfolio Management from Coastal Carolina University. He has earned the Chartered Retirement Planning Counselor (CRPC) designation. Originally from Frederick, Maryland, he values staying connected to his community. In his free time, Richard coaches baseball at his former high school and participates in local running events such as 5Ks, 10Ks, and half-marathons.

Matthew Mcgreevy is a financial advisor at Morgan Stanley with 28 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets and Legg Mason Wood Walker. He serves on the board and finance committees of Hood College in Frederick, Maryland. Morgan Stanley Wealth Management offers a wide range of advisory programs to individuals and institutions, providing tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using proprietary tools and market simulations.

Anita Coffman is a financial advisor with Morgan Stanley in Frederick, MD, holding a Series 66 designation and 20 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets for one year. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and uses structured financial planning tools, including scenario modeling, while managing approximately $2.74 trillion in client assets.

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.

Keenan Becker is a Wealth Management Advisor at Merrill Lynch Wealth Management with over a decade of experience in the financial services industry. He began his career at Merrill Lynch in 2012 and currently serves as a Senior Vice President based in Frederick, Maryland. His professional focus includes areas such as college education planning, divorce transition planning, executive compensation, retirement income, and services for endowments, foundations, and non-profits. Keenan has earned the CERTIFIED FINANCIAL PLANNER™ certification and the Chartered Retirement Planning Counselor™ (CRPC™) designation. He holds a bachelor's degree in Business Management from West Virginia University. He is committed to helping clients clarify and prioritize their financial goals and translating complex financial challenges into clear and concise plans. Outside of his professional responsibilities, Keenan is involved with community organizations including Special Olympics Maryland and Habitat for Humanity. He enjoys cooking, golfing, ice hockey, traveling, and spending time with his family in Gaithersburg, Maryland.

Hans Hoffmeyer is a financial advisor at Cetera with 15 years of industry experience. His background includes roles at Avantax Advisory Services and Kevin O'Reilly, along with ownership of Potomac Advisory Group, where he provides tax preparation, financial advising, and insurance services. He is also involved in insurance marketing, selling specialty and commercial insurance products for collectors and business clients. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment management and financial planning services through a large network of independent advisors, utilizing multi-manager platforms and a variety of program structures.

Davin Rudy is a Senior Financial Advisor at Merrill Lynch Wealth Management, providing personalized financial strategies to help clients pursue their long-term goals. He specializes in wealth management services including portfolio construction, education planning, liability management, tax minimization strategies, and cash management. Davin works closely with business owners, physicians, executives, individuals, and families across various stages of wealth. With over twenty-five years of experience in business and team management, Davin prides himself on being a dedicated professional and family man. He is a graduate of the University of Delaware and holds professional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He is proficient in both English and Spanish. Davin and his family have lived in Frederick, Maryland, since 2001. He is involved in community activities including Habitat For Humanity, FC Frederick, and Elite Feet Dance Studio. Outside of his professional life, he enjoys chess, drawing, football, genealogy, photography, soccer, spending time with his family, traveling, and watching movies.

Matthew Larsen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on creating personalized financial strategies tailored to the individual goals and changing market conditions of his clients. His approach involves providing access to investment insights from Merrill and banking solutions from Bank of America to support his clients' wealth management needs. Matthew specializes in areas such as education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. He works with corporate executives, entrepreneurs, professionals, and their families to develop coordinated financial strategies that support their current lifestyle, retirement income, and legacy objectives. He earned his Bachelor's Degree in Finance from Salisbury University and is a member of several professional organizations including Beta Gamma Sigma Honor Society, Financial Management Association, and Sigma Phi Epsilon Fraternity. In February 2016, Matthew obtained the CERTIFIED FINANCIAL PLANNER® certification. He also holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional life, Matthew enjoys boating, golfing, ice hockey, spending time with his family, and traveling.

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.

Amy Stine is a financial advisor at Edward Jones in Waynesboro, PA, holding a Series 66 designation with two years of industry experience. She has been with Edward Jones since 2017, including a role with the Arts Alliance of Greater Waynesboro from 2016 to 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs and approximately $1.01 trillion in assets under management. The firm is notable for its extensive retail advisor and branch network and offers various managed solutions and affiliated investment products under a fiduciary standard.

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.

Elizabeth Pakenas is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, National Association since 2015. Pakenas serves as a board member of the Washington and Lee University Investment Committee. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and utilizing structured planning tools and a broad range of investment offerings.