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.

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.

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.

Joseph Kefauver is a financial advisor with OSAIC, holding a Series 66 designation and 10 years of industry experience. His previous roles include positions at Woodbury Financial Services and Questar Asset Management. Outside of his advisory work, he serves on the board of Main Street Middletown, a nonprofit organization. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs asset-allocation tools and third-party platforms to construct portfolios across multiple asset classes with discretionary and non-discretionary management options.

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 designations and has worked at Morgan Stanley Smith Barney since 2020, following four years at Wells Fargo Clearing. Morgan Stanley Wealth Management serves individual and institutional clients by offering a broad range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate agreements.

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 Services Advisors, Inc. She holds a Series 66 designation and has one year of industry experience. Prior to her current role, she worked at the Walter Reed Army Institute of Research and Navy Federal Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional investors. The firm employs analytical tools and risk profiling to tailor non-discretionary planning and investment consulting to client goals.

Kenneth Smith is a financial advisor with LPL Financial in Hagerstown, MD, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. His prior experience includes roles at Santander Securities LLC and Raymond James Financial Services, Inc. He maintains several business entities related to his advisory activities. 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 variety of financial planning and investment management solutions through a large network of advisors, with a focus on both advisory and brokerage services supported by institutional platforms and technology tools.

Derek Helman is a CFP® with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2022. His prior roles include positions at Scf Securities, Bank of America, Merrill, 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 that serves a broad client base including individual and institutional investors, offering a range of advisory and investment solutions supported by a large nationwide network of 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 licenses and 11 years of industry experience. His career includes roles at Fidelity Investments, Edward Jones, and T. Rowe Price before joining LPL Financial and CNB Bank in 2024. He currently serves as a Senior Investment Analyst at CNB Bank. 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 and access to third-party asset management, supported by extensive operational and research tools.

Rae Schoenberg is a Wealth Management Advisor with Merrill Lynch Wealth Management. She holds professional designations including Certified Private Wealth Advisor (CPWA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Rae Schoenberg earned a Bachelor's Degree and a Master of Business Administration (MBA) from the University System of Georgia. Her credentials and education support her work in providing wealth management and retirement consulting services.

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.

Kathleen Schwartz is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 15 years of experience in the financial industry. She has been with Edward Jones since 2010. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Alyssa Groves is a financial advisor with Edward Jones in Williamsport, MD, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at Truist, Etsy, and Chrome Solutions Inc., as well as involvement with Lighthouse Counseling Christian Ministry. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of financial advisors and branch offices.

John Urner Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His career includes roles at B. Riley Wealth Advisors, Wunderlich Securities, F&M Trust, Cetera Investment Advisors, Commonwealth Financial Network, RBC Capital Markets, and Ferris, Baker Watts. 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 financial planning and investment management services, utilizing both proprietary models and third-party strategies across discretionary and non-discretionary accounts.

Toby Kline is a CFP® and ChFC® credentialed financial advisor with 20 years of industry experience. He is currently with LPL Financial, where he has worked for five years, following 13 years at M&T Securities and prior experience at Ameriprise. He also maintains an ongoing affiliation with M&T Bank. 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 portfolio programs, third-party asset management, and institutional platforms.