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.

Bonny Brown is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds Series 63 and Series 65 credentials and has worked extensively with Wells Fargo Clearing, including a prior 21-year tenure and a recent return in 2025. Outside of her advisory role, she serves as the power of attorney for her mother and administrator of her father’s estate. Wells Fargo Clearing provides retirement plan consulting for qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, notably insurance-related vehicles and bank deposit sweep programs.

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.

Stephanie Kennedy is a financial advisor with Wells Fargo Clearing in Hagerstown, MD, holding a Series 66 designation and eight years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent ten years with WELLS FARGO Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

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.

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 Series 66 credentialed financial advisor at Edward Jones in Williamsport, MD, with one year of industry experience. She has held prior roles at Truist and Etsy among other organizations, and has academic experience from the University of California Irvine. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory and investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Urner Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His prior roles include positions at B. Riley Wealth Advisors, Wunderlich Securities, F&M Trust, Cetera Investment Services, and managing his own firm, Urner Andra Investment Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Frank Pinto is a financial advisor with Edward Jones in Waynesboro, PA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he worked at PHEAA from 2009 to 2022. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, 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 large national network of financial advisors and branch offices.

Toby Kline is a financial advisor at LPL Financial with 19 years of industry experience. He holds the CFP® and ChFC® credentials and has worked at LPL Financial since 2021. Prior to that, he was with M&T Securities for 13 years and has been associated with M&T Bank for 18 years. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technologies across discretionary and non-discretionary management approaches.

Emily Bivona is a financial advisor at Edward Jones in Waynesboro, PA, holding the Series 66 designation. She joined Edward Jones in 2026 and has prior experience with Teaching Strategies, LLC, Visit Mikley Vacations, and Regent Education. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Steven Channing is a financial advisor with Edward Jones in Hagerstown, MD, holding a Series 66 designation. He joined Edward Jones in 2025 and previously worked at Citibank for 30 years. Outside of his advisory role, he is involved in crowd management and event security through Contemporary Services Corporation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

Bonita Yetter is a financial advisor at Morgan Stanley with 16 years of industry experience. She has held positions at RBC Capital Markets, LLC from 2009 to 2021 before joining Morgan Stanley in 2021. She holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by proprietary tools and models, managing approximately $2.74 trillion in client assets.

William Hoover is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Covered Bridges Financial Strategies, Grove Point Investments, Grove Point Advisors, H. Beck, Inc, and Foliofn Investments, Inc. He is involved with Covered Bridges Financial Strategies, LLC, a business related to his advisory work. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research support from multiple sources.

David Handler is a financial advisor with Morgan Stanley in Hagerstown, Maryland, holding Series 63 and Series 65 licenses with 31 years of industry experience. He has been with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves as Treasurer for the Hagerstown Fire Police Association and is a member of the Finance Committee at the Hagerstown Aviation Museum. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and proprietary planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and its Estate Planning Strategies Group.

Joan Bowers is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She worked at Edward Jones for 15 years before joining Raymond James in 2016. Bowers serves as a board member of the Washington County Community Foundation. 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, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Brandi Small is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and three years of industry experience. She has worked at Cetera and First United Bank and Trust, where she assists the Trust Department with estate planning and administration tasks. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party money managers.

Bradley Ciucci is a financial advisor with Morgan Stanley who holds a Series 66 designation and has 20 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets starting in 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, employing structured planning tools and models while managing approximately $2.74 trillion in client assets.