Scott Toms is a financial advisor with CWM, LLC who holds Series 63 and 65 designations and has 25 years of industry experience. His prior firms include Cetera Advisor Networks, Carson Wealth, Linsco Private Ledger Corp, and Cornerstone Wealth Management Group. Outside of his advisory work, he is an insurance agent selling life, annuities, and long-term care products. 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 employs discretionary account management using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools tailored for retirement plans and institutional services.

Karsyn Burker is a financial advisor at CWM, LLC with a Series 65 credential and four years of industry experience. Prior to joining CWM, Burker worked at Carson Wealth and Middletown Valley Bank. 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 partner offices and over 600 advisors. The firm provides portfolio management, financial planning, sub-advisory services, and retirement-plan offerings with a focus on discretionary management using model portfolios overseen by an in-house Investment Committee.

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 and holds a Series 66 designation. He has nine years of industry experience at Kestra and has been involved with Graber Financial Services, Inc. for over 22 years, where he serves as Vice President. His other business activities include managing an investment partnership and assisting with insurance and financial planning services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design and compliance, employee education, and advisor-managed accounts, serving large institutional investors among its diverse client base.

Henry Wixon is a CFP® certificant and holds a Series 66 license with three years of industry experience. He is currently with PNC Wealth Management and previously worked at Merrill. Outside of finance, Wixon has worked as a freelance musician since 2012. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic risk assessment and third-party managed portfolios focused on mutual funds and ETFs.

Christopher Swedberg is a financial advisor with PNC Wealth Management in Frederick, MD, holding Series 63 and Series 65 licenses and 18 years of industry experience. He has been with PNC Investments, LLC since 2016. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio strategist product available to employees with PNC Bank online credentials. The firm employs algorithm-driven risk assessments and utilizes third-party managers for portfolio execution and oversight.

Edward Kain is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and offering 29 years of industry experience. He has been with Truist Advisory Services and its affiliated firms since 2018, following a 16-year tenure at BB&T Investment Services. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate clients, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting and uses third-party platforms and AI-enabled research tools to support its investment process.

Morgan Kelly is a CFP® professional with 13 years of industry experience, currently serving as a partner at Kestra Advisory. Prior to joining Kestra in 2020, he worked at Bank of America and Merrill from 2014 to 2020. Kelly is also a board member of the Rotary Club of Carroll Creek. Kestra Advisory provides investment advisory and retirement-plan consulting services to a diverse range of institutional and individual clients, including large plan sponsors and sovereign wealth funds. The firm offers fiduciary consulting, plan design, and access to multiple management platforms and third-party solutions.

Andrew Gilbert is a financial advisor with PNC Wealth Management, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Wells Fargo Clearing, Raymond James & Associates, and Coldwell Banker Realty. Outside of his advisory work, he serves as president of AG Industries LLC, a non-investment related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio strategy pilot for PNC Bank employees. The firm employs algorithm-driven risk assessments to guide investment models implemented via mutual funds and ETFs, with portfolio management delegated to third-party strategists.

Kenneth Graber is a CFP® with 35 years of industry experience, currently serving as an Investment Advisor Representative at Kestra Advisory. He has worked with Kestra Advisory since 2016 and previously with Kestra Investment Services, LLC and Graber Financial Services, Inc. Outside of his advisory role, he is a trustee for The Mathias Washington County Charitable Trust, where he manages investment funds and oversees disbursements to charities. He also serves on the boards of local nonprofit organizations including Tabitha's Table Inc. and HOPE Prison Ministry. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving approximately $79.8 billion in assets under management and including large institutional investors such as sovereign wealth funds.

Mohammad Amer is a financial advisor with Voya Financial Advisors, Inc. He holds CFP® and ChFC® designations and has eight years of industry experience. His prior work includes positions at New York Life Insurance Company, MassMutual, and Frederick Wealth. Outside of his advisory role, he is principal and CEO of Amer Financial Group and manages multiple residential rental properties. Voya Financial Advisors serves a broad range of individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, and consulting services through various program structures, with a focus on recommendation-based, non-discretionary client relationships.

Alexander Metzner is a financial advisor with Money Concepts Capital Corp in Frederick, MD, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Money Concepts Capital Corp since 2016. Outside of his advisory role, he serves on the investment committee of Liberty One Investment Management, LLC. Money Concepts Advisory Service provides investment advisory, financial planning, and consulting services to a diverse client base that includes individuals, pension plans, trusts, estates, and corporations. The firm employs model-driven and asset-allocation strategies, offering both discretionary and non-discretionary programs, and operates as an enterprise-scale adviser managing approximately $4.07 billion in client assets.

Lydia Hardy is a financial advisor at Citigroup Global Markets with four years of industry experience. She holds the Series 66 designation and has been with Citibank N.A. since 2006. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains in-house research and security-pricing capabilities, supporting both discretionary and non-discretionary investment solutions.

Stephen Waldych is a financial advisor with Truist Advisory Services in Frederick, MD, holding a Series 66 designation and 23 years of industry experience. He has been with Truist Investment Services since 2003 and Truist Advisory Services since 2016. Truist Advisory Services provides investment consulting and advisory services to individuals, corporate and business clients, retirement plan sponsors and participants, and charitable organizations. The firm offers asset allocation, investment policy analysis, fiduciary support, and manager-selection programs implemented through discretionary and non-discretionary arrangements, supplemented by AI-enabled research tools and supervisory oversight.

Sean Wade is a financial advisor with Commonwealth Financial Network in Frederick, MD, holding a Series 66 designation and four years of industry experience. His prior roles include positions at McCaskill Financial and Kestra Investment Services LLC, as well as work at the University of Maryland. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm provides a variety of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while supporting advisors with operations, technology, compliance, and practice management.

Douglas Nigh is a CFP® professional with 25 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. His prior roles include positions at Serafini Financial Group and Commonwealth Financial Network. He is also involved with Serafini Financial Services, operating under the dba Opal Medigap insurance agency. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment process combining passive and active management, supported by an internal Investment Committee and quantitative and fundamental analysis.

Todd Varney is a financial advisor with Bankers Life Advisory Services, Inc., holding Series 63 and Series 65 licenses and bringing eight years of industry experience. He has been with Bankers Life Advisory Services since 2019 and has held various roles within the Bankers Life organization since 2004, including branch sales manager overseeing a team of agents focused on insurance products for the senior market. Bankers Life Advisory Services, Inc. provides discretionary portfolio management and investment consulting primarily to mass-affluent and high-net-worth individuals, emphasizing customized asset allocation, tax efficiency, and a combination of fundamental, technical, and cyclical analysis in their investment approach.

Melissa Holt is a financial advisor with Kestra Advisory Services, holding Series 63 and Series 66 credentials and 29 years of industry experience. Prior to joining Kestra in 2026, she worked at Morgan Stanley Smith Barney for 17 years. She also serves as a trustee and successor in various trust and estate roles. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients. The firm offers a range of services including fiduciary consulting, plan-level investment advice, and access to multiple management platforms and third-party solutions.

Christopher Hofmeister is a Series 66-licensed financial advisor at Truist Advisory Services with one year of industry experience. His prior work includes roles at Truist Bank and Bank of America, as well as two years at Attaboy Brewery. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm offers a range of solutions including asset allocation, investment policy analysis, fiduciary support, and manager selection through its AMC Advantage program, integrating third-party platforms and employing AI-enabled research tools.

Ashley Sowers is a financial advisor with CWM, LLC, holding Series 63 and Series 65 licenses and has 22 years of industry experience. Her career includes roles at Carson Wealth, Cetera Advisor Networks, First Command, and M&T Bank. She is also a co-leader of a local Girl Scout troop. 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 manages portfolios on a discretionary basis using model portfolios guided by an investment committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.