Christopher Redos is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and bringing 30 years of industry experience. He has been with LPL Financial since 2006. Outside of his advisory work, he is president and sole owner of Windy Meadows Holdings, LLC, which is involved in the sale of cattle, hay, eggs, and wholesale frozen food, and he is also active as a musician in a local band. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services through a national network of investment adviser representatives.

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.

John Reinert is a financial advisor with Edward Jones in Chambersburg, PA, holding CFP®, ChFC®, and Series 63 designations and having 35 years of industry experience. He has been with Edward Jones since 1990. Outside of his advisory work, he serves as president of a condominium association managing building operations. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans and charitable organizations. The firm offers a range of advisory programs and investment options supported by a large network of advisors and branch offices nationwide.

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.

Nadine Oliver is a financial advisor at LPL Enterprise with 29 years of industry experience. She holds the Series 63 and Series 65 designations. Her prior experience includes roles at the Prudential Insurance Company of America and PRUCO Securities, LLC spanning from 2007 to 2024. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and brokerage products. The firm combines advisory programs with a broad range of financial products and utilizes both in-house and third-party portfolio management strategies.

Darren Grove is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1997 and focuses on delivering personalized attention and disciplined, customized investment strategies to high-net-worth individuals and families. His expertise encompasses areas such as education planning, family wealth management strategies, legacy planning, personal retirement planning, portfolio management services, and retirement income. Darren holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation awarded by the Certified Financial Planner Board of Standards, Inc., as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) credentials. He earned a Bachelor of Science degree in Business Administration with a major in Finance from Shippensburg University, Pennsylvania. Throughout his career, he has been involved in various community and professional roles, including membership in the Chambersburg Exchange Club, service at the Presbyterian Church of Falling Spring, and participation on the Shippensburg University Finance Advisory Council. Outside of his professional life, Darren enjoys biking, running, swimming, and music. He also spends time with his family, actively supporting his two daughters’ school and extracurricular activities.

Eric Alleman is a financial advisor with Edward Jones in Chambersburg, PA, holding a Series 66 designation and four years of industry experience. He previously worked at ACNB Bank for five years and Farmers and Merchants Trust Company for nine years. Outside of his advisory role, Alleman serves on the boards of the CASD Foundation and Greenvillage Youth League, and is a member of the finance committee at Five Forks Church. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies. The firm is notable for its large network of advisors and branches, affiliated mutual funds, and comprehensive services such as tax-efficient strategies and securities-based lending.

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.

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.

Kristian Frank is a Wealth Management Advisor at Merrill Lynch Wealth Management. He brings a commitment to helping clients develop individualized wealth management strategies, focusing on areas such as corporate executive services, divorce transition planning, legacy planning, personal retirement planning, philanthropic planning, tax minimization, and retirement income. Kristian works closely with his clients to balance risk and reward solutions based on their unique financial situations, goals, and risk tolerance. Kristian holds several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He graduated in 1996 from Grove City College with a B.S. in Accounting and Political Science and also attended Gettysburg Theological Seminary for three years. Beyond his professional activities, Kristian is involved in various community organizations such as the American Cancer Society, Capitol Theatre, Chambersburg Council for the Arts, Civitan International, Kismore's Mission Support Team, and the Leukemia and Lymphoma Society. He enjoys gardening, hiking, ice hockey, pottery, reading, spending time with his family, traveling, and writing during his personal time.

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.

Gregory Ocker is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Cetera since 2025. He previously worked at Avantax Advisory Services and Avantax Investment Services, Inc. for over 25 years. Outside of advising, Ocker is involved in a window treatment franchise, handling bookkeeping and tax preparation duties. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a nationwide network of independent advisors. The firm serves individual, retirement plan, corporate, charitable, and institutional clients with a range of portfolio management and financial planning services, offering flexible program options including discretionary and non-discretionary management across multiple custodial relationships.

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.

Donetta Friese is a financial advisor at Cetera with 17 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Cetera Investment Services since 2013 and Farmers & Merchants Trust from 2006 to 2024. Outside of her advisory work, she is the owner and operator of a candle sales business called Country Trading Post. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary services and access to third-party money managers.

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.