Suzanne Hayes is a financial advisor at Merrill with Series 63 and Series 65 credentials and 51 years of industry experience. She has worked with Merrill since 2006 and Bank of America since 2009. Outside of her advisory work, she owns a farm business and serves on the Washington County Agricultural Land Preservation Advisory Board in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

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.

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 in Chambersburg, PA, holding Series 63 and Series 65 licenses and having 30 years of industry experience. He has worked as a Registered Representative since 2007 and was previously employed at Merrill from 2003 to 2007. Outside of his advisory role, Sabatino owns residential and commercial rental properties. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, third-party asset management, and institutional platforms.

Peter Llaguno is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 credentials. His prior work experience includes roles 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension 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, serving as a member of The Grove-Hoffeditz Group. This Wealth Management Advisory team focuses on high net worth, multi-generational families and retirees, assisting them in managing all aspects of their financial lives. Lori's role involves helping clients with family wealth management strategies, personal retirement planning, portfolio management services, and other areas tailored to their unique financial goals. Lori began her career with Merrill in 1988 as a Client Associate and has held various roles including Resident Director's Assistant before becoming a Financial Advisor in 2015. She is a qualified Portfolio Advisor capable of recommending investment strategies 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 and holds the Personal Investment Advisor (PIA) designation. Residing in Chambersburg with her husband and son, Lori is involved in the Chambersburg Gridiron Club and enjoys activities such as fitness training, OCR racing, swimming, kayaking, biking, and painting.

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 bringing 27 years of industry experience. She previously worked at M&T Securities, Inc. for 18 years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

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.

Tiffany Frederick is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She previously worked at M&T Securities, Inc. for eight years before joining LPL Financial in 2021. Outside her advisory role, she is involved as a business owner of T&T F Investments LLC in Big Pool, MD, and Greencastle, PA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolios, third-party asset management, and institutional platforms, with a combination of discretionary and non-discretionary investment strategies.

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.