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 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.

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.

William Hoover is a financial advisor at LPL Financial with 17 years of industry experience. He holds the Series 66 designation and has previously worked at Covered Bridges Financial Strategies, Grove Point Investments, Grove Point Advisors, H. Beck, FolioFN Investments, and Ameriprise. Hoover is involved with Covered Bridges Financial Strategies, LLC in a non-variable insurance capacity. 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 financial planning, model portfolio programs, third-party asset management, retirement advice, and institutional platforms, utilizing a wide range of investment strategies supported by advisor-facing technology.

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 at Raymond James Financial with 25 years of industry experience. She previously worked at Edward Jones for nine 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 and investment consulting to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using risk profiling and modeling tools and supports various advisory programs and institutional consulting services.

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 experience in the industry. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets from 2006 to 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing tools like Monte Carlo simulations and Secular Return Estimates.

Karen Coyne is a financial advisor with Raymond James Financial, 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 advisory work, she is an author of investment-related books and owns several business ventures, including Fresh Events, which supports funding of study groups and retreats. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, pension plans, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

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.

Dennis Koons is a financial advisor with Raymond James Financial in Hagerstown, MD, holding Series 63 and Series 65 licenses and 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 provides client servicing, trade execution, and business development. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and uses analytical tools to support customized investment strategies, maintaining specialized capabilities in municipal advisory services and employer-sponsored retirement plans.

Frank Pizzuto is a Series 66-licensed financial advisor with Edward Jones, based in Gettysburg, PA, where he has worked since 2002. He has 25 years of industry experience. Outside of his advisory role, he owns a commercial property in Gettysburg that he leases to a medical business. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a nationwide network of more than 23,700 advisors.

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.