Zachary Delphi is a financial advisor with Ameriprise in Martinsburg, WV, holding Series 63 and Series 66 licenses and three years of industry experience. He previously worked at Fidelity Investments and The Vanguard Group, Inc. He serves as Treasurer on the Board of Directors for The Robert C. Byrd Center for Congressional History and Education. Ameriprise Financial Services is a large diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies.

Steven Butler is a financial advisor with Ameriprise in Martinsburg, WV, holding a Series 66 designation and seven years of industry experience. He has worked at Ameriprise since 2019 and previously at Axa Advisors LLC. Outside of finance, he was involved with Butler's Farm Market during his time at West Virginia University. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team.

John Hershey III is a financial advisor at RBC Capital Markets with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at RBC Capital Markets since 2009 and City National Bank since 2017. Outside of his advisory role, he serves as president of a family foundation and holds board positions with a nonprofit cemetery and a health system. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations, offering a range of advisory programs with tailored investment strategies executed through in-house and third-party managers.

Jessica Reid is a financial advisor with Equitable Advisors in Martinsburg, WV. She holds a Series 66 designation and has one year of industry experience. Prior to joining Equitable Advisors, she worked at Berkeley County Schools for eight years and Walmart for eleven years. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, often delivering solutions through LPL-sponsored programs and endorsed TAMPs.

Daniel Norris is a financial advisor with Mass Mutual Investors Services in Hagerstown, MD, holding Series 63 and 65 licenses and bringing 26 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and also works with MassMutual Life Insurance Company. Outside of advising, he is a leadership board member of the Fellowship of Christian Athletes and owns Oak Valley Farms. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, structuring planning engagements as collaborative annual relationships focusing on client goals and strategies.

Dena Morgan is a financial advisor with Edward Jones in Martinsburg, WV, holding CFP® and Series 66 credentials and with seven years of industry experience. She previously worked at Bechtel Corporation for nine years and served as a county engineer for Berkeley County. Morgan is active in her community as a board member of Horses with Hearts and the Professional Business Women's Association, and she serves as vice president of BNI Martinsburg. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Phillip Mccoy is a financial advisor with Ameriprise who holds Series 63 and Series 66 designations and has 14 years of industry experience. He has been with Ameriprise and its affiliated entities since 2012. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers services through a centralized consulting team working alongside financial advisors.

Gerald Spessard II is a financial advisor with RBC Capital Markets in Hagerstown, MD, holding a Series 66 designation and 11 years of industry experience. He has worked at RBC Capital Markets since 2014 and concurrently at City National Bank since 2017. He serves on the board of The John R. Hershey Jr. and Anna L. Hershey Family Foundation, Inc., a charitable institution. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers multiple advisory programs with tailored investment strategies implemented through a range of in-house and third-party managers.

Cameron Baumgardner is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 66 designation. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2025 and previously worked at Guidehouse from 2023 to 2025. Cameron has no prior industry experience before joining the financial sector. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and serves clients through a combination of direct and corporate financial planning agreements.

Karen Dattilio is a financial advisor at Morgan Stanley with 31 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2020. Her previous roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and modeling tools to help clients develop tailored plans.

Joshua Mongold is a financial advisor with Edward Jones, holding a Series 66 designation and having one year of industry experience. Prior to joining Edward Jones in 2024, he worked at Azer Scientific for two years and has extensive experience in the healthcare sector, including roles at the VA Medical Center in Martinsburg and WVU Medicine - Jefferson Medical Center. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets through a large network of financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Kegan Murphy is a financial advisor with Cetera in Hagerstown, MD, holding a Series 66 designation and beginning his industry career in 2025. His prior work includes roles at First United Bank & Trust, CNB Bank, and positions at West Virginia University and Fairmont State University. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, retirement plans, and institutional accounts. The firm offers diverse portfolio management options and operates a multi-manager platform with significant assets under management and a large advisor network.

John Hershey is a financial advisor with RBC Capital Markets in Hagerstown, MD, holding a Series 66 designation and two years of industry experience. His prior roles include positions at EAB Global Inc and Yext. He serves on the board of The John R. Hershey Jr. and Anna L. Hershey Family Foundation, Inc., where he reviews grant applications. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients through a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies utilizing in-house and third-party managers and integrates capital markets capabilities and alternative investments.

Marissa Bowers is a financial advisor with Raymond James Financial, holding a Series 66 designation and beginning her advisory career in 2026. Prior to joining Raymond James, she worked at the Walter Reed Army Institute of Research and held various roles in consulting, education, and the service industry. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, institutions, and charitable organizations. The firm uses analytical tools and risk profiling to tailor non-discretionary planning and consulting services aligned with client goals.

Colin Waldeck is a financial advisor at Equitable Advisors with a Series 66 credential and less than one year of industry experience. His prior work includes roles at Massey Hyundai and teaching positions at Shepherd University and Jefferson High School. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Kenneth Smith is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes model portfolios and third-party research to provide both discretionary and non-discretionary management.

Derek Helman is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. His prior experience includes roles at SCF Securities, Bank of America, Merrill, Fidelity Investments, and Mission Financial Advisors. Outside of his advisory work, he has been involved in managing family-owned restaurant businesses. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs and investment solutions. The firm manages over $1 trillion in assets and operates a large national network of financial advisors and branch offices.

Hunter Brindle is a CFP® and CFA® professional with five years of industry experience, currently with Cetera. He has held roles at Cetera Wealth Services, DoorDash, Orrstown Bank, and other organizations. Brindle serves as a board member for the Chambersburg YMCA, participating in monthly meetings and committees. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to both affiliated and third-party investment strategies.

Toby Crites is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior roles include positions at Fidelity Investments, Edward Jones, and T. Rowe Price. He also serves as a Senior Investment Analyst at CNB Bank. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charities through a broad network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

William Holzapfel is a CFP® and holds a Series 66 license, with eight years of experience in the financial industry. He currently works at Morgan Stanley and has prior experience at Wells Fargo Clearing and Cambridge Associates LLC. Holzapfel serves as a board member on the finance committees for both the Maryland Symphony Orchestra and the Community Free Clinic of Washington County. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including customized financial planning leveraging firm-approved tools and modeling techniques.