Jerred Brown is a financial advisor with Raymond James Financial in Hagerstown, MD, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has worked with Raymond James Financial Services Advisors Inc. and related entities since 2016, with prior experience at Securities America and Edward Jones. Outside of his advisory role, Brown serves as Branch Manager at Antietam Wealth Management II and is CoChair of the Administrative Committee at St. Andrew Presbyterian Church. 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, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting through analytical tools and supports a wide advisor network along with targeted programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

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.

Bruce Neterer is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has worked at LPL Financial and Sterling Financial Management since 2019. Prior to his advisory roles, he spent time at California University of Pennsylvania and Waynesboro Area Highschool. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by a large network of advisors and technology tools.

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 previously worked at Raymond James Financial Services from 2001 to 2006 and has been with LPL Financial since 2010. Outside of his advisory role, he provides pension administration services for municipal pension plans in Pennsylvania. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, and institutional platforms, supported by advanced advisor tools and oversight of significant discretionary assets.

Billy Shank Jr. is a financial advisor with LPL Financial in Cascade, MD, holding a Series 66 designation and 22 years of industry experience. He has previously worked with Covered Bridges Financial Strategies, Grove Point Advisors, and Bre Financial Solutions. He is also involved in Covered Bridges Financial Strategies, LLC, where he engages in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with investment approaches that include strategic and tactical allocations, direct indexing, and alternative exposures.

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.

Victor Lombardi is a financial advisor with LPL Financial, holding a Series 66 designation and over 25 years of industry experience. His prior roles include positions at Midatlantic Retirement Planning Specialists, Cadaret, Grant & Co., Inc., and Morgan Stanley. He also operates LFS Lombardi Financial Services, which has been active since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolios, and institutional platforms, supported by various investment strategies and advanced research tools.

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.

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.

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.

Gabriel King is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Before joining Edward Jones, he served on multiple county boards of education, including Putnam, Boone, and Kanawha counties, between 2016 and 2024. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, managing approximately $1.01 trillion in assets through a large nationwide network of financial advisors and branch offices.

Elizabeth Rodriguez is a financial advisor at Osaic Wealth, Inc. with one year of industry experience. She holds a Series 66 designation and has previously worked in the salon and day spa industry. Osaic Wealth, Inc. serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes firm-provided tools and third-party platforms to construct diversified portfolios, supporting both discretionary and non-discretionary management.

Maria Nicholas is a financial advisor with UBS Financial Services in Gettysburg, PA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She worked at Merrill for nine years before joining UBS in 2017. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, offering proprietary research and a range of capital markets and lending programs.

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.

Aaron Smith is a CFP® and holds a Series 66 license, with nine years of industry experience. He has worked at Edward Jones since 2024 and previously spent seven years with Ameriprise Financial Services, LLC. His background also includes roles at Shippensburg University and a period of self-employment. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including various types of households, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs and investment solutions, operating under a fiduciary standard.