Anthony Lippis is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. His background includes roles at Penn Mutual Life Insurance Company and several financial services firms, including Transamerica and Citigroup. In addition to his advisory duties, he assists with insurance sales and service for multiple carriers, including Penn Mutual Life Insurance Company. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, offering a range of investment and brokerage services with approximately $8.37 billion in discretionary assets under management as of December 2025.

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.

Juan Barrowes is a Certified Financial Planner® (CFP®) with 31 years of industry experience. He has been with PNC Investments since 2007 and is currently affiliated with PNC Wealth Management in Frederick, MD. PNC Wealth Management offers retail brokerage and advisory services through several model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven portfolio recommendations and third-party managed strategies.

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 Miller is a financial advisor with Stratos Wealth Partners, Ltd in Frederick, MD, holding a Series 66 designation and 26 years of industry experience. He has been with Stratos Wealth Partners since 2016 and has also worked at LPL Financial since 2007. Stratos Wealth Partners, Ltd is an SEC-registered enterprise wealth management firm serving over 24,000 clients through a network of approximately 366 advisors. The firm employs an open-architecture investment approach, offering advisor-managed and model-based portfolios, financial planning services, and retirement plan consulting.

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.

Mohammad Amer is a financial advisor with Voya Financial Advisors, Inc. and holds the CFP® and ChFC® designations. He has eight years of industry experience and has previously worked with firms including New York Life and MassMutual. In addition to his advisory role, he is principal and CEO of Amer Financial Group and is involved in managing multiple residential rental properties. Voya Financial Advisors, Inc. serves a diverse client base that includes individual and institutional investors such as retirement plan sponsors, charitable organizations, and high-net-worth individuals. The firm offers a variety of financial planning and portfolio management services, delivering advice primarily through non-discretionary programs and maintaining a dual role as both an SEC-registered adviser and broker-dealer.

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.

Emily Kestler is a financial advisor with OSAIC Advisory Services, LLC, holding a Series 66 designation and 12 years of industry experience. Her career includes roles at Arbor Point Advisors, Securities America Inc., and Centaurus Financial, Inc. Outside of advising, she owns a rental property currently occupied by family. OSAIC Advisory Services, LLC is an SEC-registered investment adviser serving a broad client base including individuals, pension plans, corporations, and charitable organizations. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple program models and partners with custodians such as Schwab and Fidelity.

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.

Timothy Kovalchick is a financial advisor at Money Concepts Capital Corp with a Series 66 designation and two years of industry experience. His prior work includes roles at K&R Holdings, Thriv Nutraceuticals, Dutch's Daughter Restaurant, and Middletown High School. He is also involved with Katz Metzner Financial, LLC, supporting office operations. Money Concepts Capital Corp provides portfolio management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporations. The firm manages assets through a variety of programs using model portfolios, third-party sub-advisers, and both discretionary and non-discretionary account structures.

Tamara Trocha is a financial advisor at First Command Advisory Services with 14 years of industry experience. She holds a Series 66 designation and has been with First Command Advisory Services since 2015, having previously worked at affiliated entities since 2011. Outside of her advisory role, she serves as a township auditor for Hamiltonban Township. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm provides financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to design and manage model portfolios.

Katy Chase is a CFP® and holds a Series 66 license with 12 years of industry experience. She is currently with Wealth Enhancement Advisory Services, LLC and has prior experience at Lighthouse Financial Advisors and LPL Financial. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm that serves a diverse client base, including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm employs a strategic investment approach combining passive and active management, guided by an internal Investment Committee and quantitative and fundamental research.