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.

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.

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.

Kristian Frank is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on developing strategies and recommendations for individuals and families to help them meet their financial and retirement goals. Kristian holds multiple 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). Kristian graduated in 1996 from Grove City College with a Bachelor of Science degree. He began his career in financial services with Smith Barney in 2000 and joined Merrill Lynch in 2006. His expertise includes corporate executive services, divorce transition planning, legacy planning, personal retirement planning, philanthropic planning, tax minimization, and retirement income. In addition to his professional work, Kristian is actively involved in his community. He has served on the Board of Directors for organizations such as the American Cancer Society, Capitol Theatre, Civitan International, Habitat for Humanity, Kismore's Mission Support Team, and the Leukemia and Lymphoma Society. His personal interests include gardening, hiking, ice hockey, pottery, reading, spending time with family, traveling, and writing.

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.

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.

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.

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 26 years of industry experience. She has been with Raymond James since 2007 and previously worked briefly at Edward Jones. Outside of advising, she is an author and owns Fresh Events, an LLC supporting funding for study groups and retreats. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored planning and consulting using risk profiling and modeling 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.

Ronda Washinger is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Merrill since 2023 and has prior experience with the Greencastle Antrim School District and the Vets Canteen Association. Outside of her advisory role, she has been involved with the Minnequa Social Club and Messiah United Methodist Church for over a decade. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Shawn Michael is a financial advisor at Cetera with 7 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Cetera and F&M Trust since 2017, with prior experience at Axa Advisors. Outside of his advisory role, he serves as president of the board for the Boys and Girls Club of Chambersburg and Shippensburg. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and reported over $256 billion in assets under management.

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.