Joan Bowers is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 66 designations and has 24 years of industry experience, including 15 years at Edward Jones 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 and non-discretionary investment consulting for a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes tailored financial plans developed through client interviews and risk profiling, offering a range of implementation options and maintaining a significant non-discretionary advisory business.

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.

Karen Coyne is a financial advisor with Raymond James Financial in Hagerstown, MD, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. She has been with Raymond James Financial since 2009 and with Raymond James Financial Services since 2007. Outside of advising, she is an author and owns a business that supports study groups and retreats. Raymond James Financial Services Advisors serves a diverse client base, including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, using detailed client risk profiles and firm research to develop tailored recommendations.

Andre Johnson is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he was self-employed for six years and worked at Bank of America and Fiserv. Outside of finance, he owns and manages a fitness studio, New Age Fitness, in Hagerstown, MD. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with over $1 trillion in assets under management and a network of approximately 23,700 advisors. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Douglas Smith is a financial advisor with Edward Jones in Waynesboro, PA, holding a Series 66 license and possessing 12 years of industry experience. He has been with Edward Jones since 2013. Outside of his advisory role, Smith serves as a Range Safety Officer and classroom leader at Hill Top Arms, volunteers with Junior Achievement of South Central PA’s financial education programs, assists guests at the nonprofit event Project Big Love, and provides bookkeeping support for Jesus Alive Ministries. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory and wealth management services, operating under a fiduciary standard and managing approximately $1.01 trillion in assets through a nationwide network of advisors.

Darrell Evans is a ChFC® credentialed financial advisor with Ameriprise, bringing 10 years of industry experience. He previously spent nine years with Edward Jones before joining Ameriprise in 2025. Outside of his advisory work, he serves as president of the Antietam Exchange Club of Hagerstown and is a board member for Washington County Public Schools. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides clients approaching or in retirement with a written Recommendation Report and ongoing annual planning advice focused on dependable income and tax-aware withdrawal strategies.

Benito Vattelana is a ChFC® and Series 66 registered financial advisor with Edward Jones, where he has worked since 2007, accumulating 18 years of industry experience. Outside of advisory work, he is the president of Landon's Puzzle Pieces, a nonprofit organization focused on supporting individuals with special needs. He also owns a professional health spa and has experience in property ownership through an LLC. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Joshua Zoldan is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and three years of industry experience. He has previously worked at Wells Fargo Advisors, Wealth Enhancement Group, Mutual of Omaha Investor Services, and FSC Securities Corp. Zoldan is also involved with All Seasons Wealth, a non-investment related support company based in Williamsport, Maryland. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a distinctive focus on non-discretionary advisory services.

Dennis Koons is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has been with Raymond James Financial and Raymond James Financial Services since 2009 and has operated Koons Family LLC since 2006. In addition to his advisory role, he works as an independent contractor for Ark Financial Advisors, where he services clients and manages business development. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset allocation analysis and firm research to tailor recommendations, with a notable emphasis on advisory and implementation support rather than discretionary management.

Hondamir Burhon is a financial advisor with Catoctin Ridge Wealth Partners, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at PNC Investments and Grove Point Advisors. He is also involved in providing non-variable insurance services. Catoctin Ridge Wealth Partners offers investment advisory and financial planning services to individuals, businesses, and retirement plans, managing approximately $102 million in assets primarily on a discretionary basis. The firm emphasizes diversified, long-term strategies and tailors recommendations through a combination of in-house management, third-party managers, and wrap-fee programs.

Eric Vinores is a CFP® with 16 years of industry experience, currently with Catoctin Ridge Wealth Partner. His prior experience includes roles at LPL Financial, Grove Point Investments, and Nationwide. He is also involved in Peak Benefits Group, a non-variable insurance business. Catoctin Ridge Wealth Partners offers investment advisory and financial planning services to individuals, businesses, and retirement plans, managing approximately $102 million in assets with an emphasis on diversified, long-term strategies tailored to each client's financial situation.

David Rectenwald is a CFP®-certified financial advisor with nine years of industry experience, currently affiliated with LPL Financial. He has held roles at Grove Point Advisors, Nationwide Securities, and Huntington National Bank among others. He also provides investment advisory services through Catoctin Ridge Wealth Partners, an independent registered investment advisory firm. LPL Financial serves a diverse client base including individuals, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a wide range of advisory and brokerage services supported by an in-house research team and a variety of investment solutions tailored to client needs.