Ryan Timmins is a financial advisor with Independent Wealth Network, Inc., holding a Series 65 designation and four years of industry experience. He has worked with Evergreen Financial Group, LLC and Holt Advisory Group, and previously has experience at the University of Maryland, College Park. Independent Wealth Network, Inc. provides wealth management, financial planning, and consulting services to individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and corporations. The firm’s advisers manage approximately $518 million in client assets and utilize a combination of discretionary portfolio strategies, third-party managers, and oversight of held-away accounts to align investments with client goals.

Erik Holt is a financial advisor with Independent Wealth Network, Inc. He holds a Series 66 designation and has 21 years of industry experience. His prior roles include positions at Emerson Equity LLC, Brokers International Financial Services, LLC, and Broker Dealer Financial Services/IAC. Holt is also involved in managing a fixed insurance business focused on life, disability, and health insurance. Independent Wealth Network serves a diverse client base including individuals, trusts, pension plans, estates, charitable organizations, and corporations. The firm combines fundamental and technical analysis with various trading strategies and access to third-party managers to tailor investment approaches according to client goals and risk tolerances.

Tiffany Amspacher is a financial advisor at Founders Financial Securities LLC with a Series 66 designation. She joined the firm in 2024 and has prior experience in various roles including hospitality and education. Outside of advising, she works part-time as a golf cart bartender and a catering bartender. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers portfolio management, financial planning, retirement consulting, and other services through various programs and sub-advisory relationships.

David Latch is a financial advisor at Royal Fund Management, LLC with 15 years of industry experience. He holds a Series 65 designation and has worked at Frederick Tax Pros and Liberty Insurance, LLC, where he also serves as president and insurance agent. His role at Liberty Insurance involves assessing client needs for life, disability, annuity, and long-term care insurance. Royal Fund Management serves individual investors, corporations, and retirement plans by providing portfolio management, financial planning, and pension consulting. The firm constructs tailored portfolios using various analytical methods and strategies, manages client accounts through established Investment Policy Statements, and offers both discretionary management and held-away advice.

Karl Korade is a financial advisor with Advisory Services Network and holds the Series 63 and Series 65 designations. He has 32 years of industry experience, including prior roles with Arbor Point Advisors and Securities America, Inc. In addition to his advisory work, he owns a CPA and CDFA practice providing accounting and tax services to small businesses and individuals. Advisory Services Network offers investment advisory and planning services through a network of independent representatives serving individuals, families, corporations, and retirement plans, employing a range of strategies and investment products tailored to client objectives and risk tolerances.

Alvin Arunkumar is a financial advisor with OneSeven in Frederick, MD, holding Series 63, 65, and 66 licenses and having eight years of industry experience. His prior roles include positions at Deloitte, TRUIST Investment Services, and Merrill. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, offering portfolio management, financial planning, and retirement-plan consulting. The firm’s investment approach is primarily long-term focused with flexibility for shorter-term trading, utilizing diversified portfolios and access to alternatives and private placements.

Thomas Senseney Jr. is a financial advisor with Founders Financial Securities LLC in Frederick, MD, holding Series 63 and Series 65 licenses and having 12 years of industry experience. He has worked at Founders Financial Securities LLC since 2016 and previously at Mass Mutual Investors Services. Outside of his advisory role, he serves on the board of the Thunderbolt Foundation and is a recreational musician. Founders Financial Securities provides investment advisory services to individuals, retirement plan sponsors, trusts, and corporate clients through a network of IARs managing approximately $4.1 billion in client assets. The firm offers multiple advisory platforms and services, with investment approaches delegated to its advisers who deliver tailored portfolio management and fiduciary solutions.

Cindy Everly is a financial advisor with Founders Financial Securities LLC, holding a Series 66 designation and 21 years of industry experience. She has worked at Founders Financial Securities since 2012 and has operated Everly Financial Services, providing accounting, tax, financial planning, and insurance services since 1985. Prior to this, she spent 11 years at Steven Katz, CPA. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of portfolio management programs, financial planning, retirement consulting, and brokerage and insurance services, utilizing both traditional and subscription-based delivery methods.

John Zinaich is a financial advisor at Founders Financial Securities LLC with 26 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations and has been with Founders Financial Securities since 2008. Outside of his advisory role, he serves as chairman of Paramount Baptist Church. Founders Financial Securities provides investment advisory services to individuals, retirement plan sponsors, trusts, and corporate clients through a network of investment adviser representatives managing approximately $4.1 billion in client assets. The firm offers multiple advisory platforms and services, including managed portfolios and specialized consulting such as 1031 exchanges.

Bryce Redding is a financial advisor with Founders Financial Securities LLC, holding a Series 66 designation and beginning his career in 2026. Prior to joining the firm, he served one year in the Pennsylvania State Senate and has experience working in education and youth fitness organizations. He is also involved with United Athletics Tumbling & Youth Fitness, a role he has held since 2019. Founders Financial Securities serves individuals, retirement plan sponsors, trusts, and corporate clients through a network of advisors managing approximately $4.1 billion in assets. The firm offers a range of advisory platforms and services, including managed portfolios, retirement guidance, and 1031 exchange consulting, while delegating investment decisions to its advisers under various models and third-party manager access.

Alfred Labib is a financial advisor with Kovack Advisors, Inc., holding a Series 66 credential and 27 years of industry experience. He previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., and Sunamerica Securities, Inc. Labib is also involved in managing Legacy Wealth Management, LLC. Kovack Advisors, Inc. is a multi-team registered investment adviser with approximately 260 advisors and over $6 billion in client assets. The firm serves a diverse client base including individuals, pension plans, charitable organizations, banks, and government entities, providing portfolio management and financial planning services through a combination of internally created models and third-party managers.

John Stevens III is a financial advisor with United Brokerage Services, Inc., holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His prior roles include positions at Sharebuilder 401 K, Capital One Sharebuilder, Capital One Investment Services LLC, and Chevy Chase Financial Services Corporation. United Brokerage Services, Inc. provides investment advisory services to individuals, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm offers various managed account programs and emphasizes strategic and tactical asset allocation, use of mutual funds and ETFs, individual equity and fixed income selection, and tax-aware overlays.

Courtney Abrecht is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 credentials and 19 years of industry experience. She has worked at Truist Advisory Services since 2021 and previously held positions at BB&T Investments and BB&T Securities. Outside of her advisory role, she serves as a board member and treasurer for her local homeowners association in Frederick, MD. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, utilizing a combination of discretionary and non-discretionary manager relationships supported by third-party platform and manager arrangements.

Jason Nichols is a financial advisor at Stratos Wealth Partners, Ltd with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at LPL Financial, Global Financial Private Capital, LLC, and operated his own firm, Jason Nichols Financial, Inc. He is based in Frederick, MD. Stratos Wealth Partners is an SEC-registered enterprise firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and other institutions, offering a range of investment advisory and financial planning services through an open-architecture platform that incorporates multiple third-party managers and strategies.

Syed Alam is a financial advisor at PNC Wealth Management with eight years of industry experience. He holds a Series 66 designation and previously worked at firms including Morgan Stanley, M&T Bank, LPL Financial, and Wells Fargo Clearing Services. Prior to his financial services career, he was employed at the International Monetary Fund and the United Nations for seven years. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. These programs use algorithmic risk assessments and delegate portfolio implementation to third parties, employing mutual funds and ETFs with annual rebalancing.

Luke Becker is a financial advisor with PNC Wealth Management in Hagerstown, MD, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked at PNC since 2014 in various roles including PNC Investments and PNC Bank. Outside of finance, Becker serves as a wrestling official for the Washington County Wrestling Official Association. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and third-party strategists to manage portfolios primarily through mutual funds and ETFs.

Justin Ramsburg is a financial advisor with Truist Advisory Services, holding Series 63, 65, and 66 designations and seven years of industry experience. Prior to joining Truist Investment Services in 2022, he worked at FCB Bank and Middletown Valley Bank. Outside the financial sector, he has managed JR Ramsburg Farm since 2002. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers asset allocation, fiduciary support, and a manager-selection program, combining discretionary and non-discretionary approaches with AI-enhanced research and integrated inter-affiliate services.

Karsyn Burker is a financial advisor at Carson Wealth with a Series 65 designation and four years of industry experience. Prior to joining CWM, LLC in 2026, Burker worked at Middletown Valley Bank and AC&T. CWM, LLC is an SEC-registered investment adviser managing approximately $50.6 billion through a network of over 650 advisors. The firm offers discretionary asset management, financial planning, and retirement plan services, utilizing model portfolios developed by an Investment Committee and providing tailored investment solutions.

Juan Barrowes is a Certified Financial Planner (CFP®) and holds a Series 66 designation, with 32 years of industry experience. He has been with PNC Investments since 2007 and is based in Frederick, MD. Barrowes is affiliated with PNC Wealth Management, a firm providing retail brokerage and advisory services through model-based programs. The firm offers an invitation-only digital discretionary model account that uses algorithmic risk assessment and invests primarily in mutual funds and ETFs, with portfolio implementation delegated to third parties.

Daniel Graber is a financial advisor with Kestra Advisory who holds a Series 66 designation and has 10 years of industry experience. He has been with Kestra Advisory since 2017 and also serves as Vice President of Graber Financial Services, Inc., a firm he founded in 2004. In addition to his advisory work, he is involved in an investment partnership that focuses on publicly traded stocks. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services that include fiduciary consulting, plan-level investment advice, and advisor-managed accounts. The firm manages approximately $79.8 billion in assets and serves a range of clients including large institutional investors and sovereign wealth funds.