Matthew Larsen is a Wealth Management Advisor with Merrill Lynch Wealth Management. He focuses on creating personalized financial strategies tailored to the individual goals and changing market conditions of his clients. His approach involves providing access to investment insights from Merrill and banking solutions from Bank of America to support his clients' wealth management needs. Matthew specializes in areas such as education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and values-based investing, and retirement income. He works with corporate executives, entrepreneurs, professionals, and their families to develop coordinated financial strategies that support their current lifestyle, retirement income, and legacy objectives. He earned his Bachelor's Degree in Finance from Salisbury University and is a member of several professional organizations including Beta Gamma Sigma Honor Society, Financial Management Association, and Sigma Phi Epsilon Fraternity. In February 2016, Matthew obtained the CERTIFIED FINANCIAL PLANNER® certification. He also holds designations as a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Outside of his professional life, Matthew enjoys boating, golfing, ice hockey, spending time with his family, and traveling.

Courtney Carberry is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and two years of industry experience. Her prior roles include positions at WatersEdge Wealth Management and Honeywell. She is based in Woodsboro, MD. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses firm-approved software for goal analysis and delivers written recommendations in collaborative annual planning relationships.

Grant Keyser is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and currently in his first year in the industry. Prior to joining Wells Fargo, he held various roles in hospitality and real estate sectors. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment offerings.

William Abeles Jr. is a CFP® and ChFC® with 41 years of industry experience, currently associated with Wells Fargo Clearing since 2016. He is based in Hagerstown, MD, and serves as treasurer for the Hagerstown-Wesel Sister City Affiliation and sits on the board of trustees for the YMCA of Hagerstown. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by extensive research and analytics.

Elizabeth Pakenas is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including her current role at Morgan Stanley Private Bank, National Association since 2015. Pakenas serves as a board member of the Washington and Lee University Investment Committee. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets and utilizing structured planning tools and a broad range of investment offerings.

Stuart Wright is a financial advisor with Cetera and holds a Series 66 designation. He has 10 years of industry experience, including prior roles at TIAA, Bank of America, and Merrill. In addition to his advisory work, he administers trusts for ACNB Bank, handling client communications and account administration without authority over securities transactions or investment decisions. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services through a multi-manager platform that supports various investment strategies and program structures.

Tracy Bush is a financial advisor with LPL Financial in Frederick, MD, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. Prior to joining LPL Financial in 2025, Bush worked at Grove Point Investments, LLC and Grove Point Advisors, LLC from 2021 to 2025, and at H. Beck, Inc. from 2002 to 2021. Bush also has an ongoing temporary employment with the Buffalo Bills since 2019. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm supports individuals, retirement plan participants, banks, trust companies, and institutions with a range of financial planning and investment management solutions.

Heidi Reif Jones is a financial advisor at LPL Financial with five years of industry experience. She holds the Series 66 designation and has previously worked at Cetera, Edward Jones, and Wells Fargo Home Mortgage. In addition to her advisory role, she is involved with Sequoia Wealth Solutions LLC. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kenneth Root is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses, and has 38 years of industry experience. He has been with RBC Capital Markets Corporation since 2009. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs featuring discretionary and non-discretionary portfolio management, tailored to each client’s risk profile and utilizing a combination of in-house and third-party investment managers.

James Holzapfel is a financial advisor with Morgan Stanley in Hagerstown, MD, holding a Series 63 license and over 54 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020, following a four-year tenure at Wells Fargo Clearing. Outside of his advisory role, Holzapfel is involved in various community and charitable activities, serving as a trustee for local trusts and foundations, participating on the finance committee of St. Marks Episcopal Church, and holding leadership roles with the Washington County Museum of Fine Art and the Holzapfel Family Charitable Foundation. He also has entrepreneurial interests in local recreational ventures including baseball-related businesses. Morgan Stanley Wealth Management provides advisory services to individuals and institutions, offering tailored financial planning supported by structured discovery and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and combines a wide range of retail and institutional offerings with specialized investment and financial planning resources.

Madison Lilly is a financial advisor at Edward Jones in Frederick, MD, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, Madison worked in roles at Iron Rooster and the University of Maryland College Park. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of investment advisory programs with approximately $1.01 trillion in assets under management. The firm is notable for its extensive network of financial advisors and branch offices, as well as a variety of discretionary and non-discretionary investment strategies and affiliated financial services.

Jerred Brown is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2016 and previously spent time at Securities America Advisors, Inc. and Edward Jones. Outside of his advisory role, he serves as Branch Manager at Antietam Wealth Management II and as CoChair of the Administrative Committee at St. Andrew Presbyterian Church. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports clients through its advisory programs and institutional consulting network.

Barbara Winters is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Catharine Weber is a financial advisor at RBC Capital Markets with a Series 66 credential and three years of industry experience. She has worked at firms including City National Bank, Johnson, Gasink & Baxter, LLP, and Compass Wealth Strategies. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of advisory programs and customizes investment strategies based on client risk profiles, utilizing both in-house and third-party managers.

Gretchen Gawler is a Series 66-credentialed financial advisor with RBC Capital Markets, bringing 2 years of industry experience. She has been with RBC Wealth Management since 2009. RBC Wealth Management, a division of RBC Capital Markets, LLC, provides services to individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple wrap fee advisory programs with discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients' risk profiles.

Robert Buttarazzi is a financial advisor at Stifel with 34 years of industry experience. He has held his current position at Stifel Nicolaus since 2008. Outside of his advisory role, he serves as Golf Chairman for the Lido Civic Club, where he organizes an annual golf tournament to raise funds for scholarships. Stifel serves a broad range of clients, including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm utilizes a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Annette Bratt is a Senior Financial Advisor at Merrill Lynch Wealth Management. She specializes in family wealth management strategies, liquidity management, personal retirement planning, small business strategies, women and wealth, and retirement income. Annette utilizes the investment insights of Merrill and the banking services of Bank of America to address diverse aspects of her clients' financial lives, focusing on developing personalized financial strategies based on clients' individual goals. Annette began her career in wealth management at SunTrust in 2004 and joined Merrill Lynch Wealth Management in 2017. She holds a Bachelor of Science degree in Business Management from the University of Maryland. She has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). A native of the Washington DC region, Annette lives in New Market, Maryland with her husband and two children. Outside of work, she enjoys spending time with family and friends, participating in local 5k and 10k charity runs, and traveling to O’ahu. She and her team are actively involved in community initiatives where they live and work.

Jason Jennings is a financial advisor with LPL Financial in Frederick, MD, holding Series 63 and Series 66 credentials and possessing 26 years of industry experience. He previously worked at Merrill from 2001 to 2009 before joining LPL Financial in 2009. Jennings is also involved with Key Financial Group, LLC. 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 financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Mark Van Bibber is a financial advisor at Thrivent Investment Management with nine years of industry experience. He holds the Series 66 designation and previously worked at Edward Jones, Equitable Advisors, LLC, Valic Financial Advisors, and Agia. Outside of advisory work, he is appointed as an agent to sell non-securities insurance products for AGIA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm offers goal-based, holistic analyses covering various planning areas and separates planning services from managed-account programs under a consolidated billing option called “WealthPlan.”

Zane Schreiber is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds the Series 66 designation and has been with Wells Fargo Clearing since 2017. Prior to that, he worked at The George Washington University from 2013 to 2017. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and providing a range of investment options including insurance-related vehicles and bank deposit sweep programs.