Jeff Judge, CFP®, ChFC®, CLU®, AEP®, is Managing Partner of Chesapeake Financial Planners in Forest Hill, Maryland. He helps families, executives, and business owners navigate retirement, business exit, equity compensation, tax, and estate planning through the firm's proprietary R.U.D.D.E.R. Method™ — a structured six-step process for aligning wealth with life goals. A 2005 graduate of Goucher College, Jeff began his career in regional and national banks before joining MetLife in 2011 and founding his first firm a year later. He co-founded Chesapeake Financial Planners with Mark Rossbach, CPA, in 2017. Jeff is a Kiplinger contributor, a Five Star Wealth Manager (2017–2026), and an NAEPC-affiliated estate planner. He leads financial-literacy workshops for Fortune 500 and mid-sized employers across the Mid-Atlantic. Securities offered through LPL Financial, Member FINRA/SIPC. Advisory services through Great Valley Advisor Group, a separate RIA. Jeff lives in Forest Hill with his family.

Graeme Woods is the sole advisor at G.S. Woods Wealth Management with 16 years of industry experience. He holds the ChFC® designation along with Series 65 and Series 63 licenses. Apart from his advisory role, he manages GSW Trading Company, a wholesale import and export business, and serves as CEO of Multi Arbitrage Capital Solutions, a firm focused on risk consulting, insurance production, and business acquisitions. G.S. Woods Wealth Management serves individuals, families, small businesses, professionals, charitable organizations, and employee benefit plans through financial planning, insurance advice, business planning, and pension consulting. The firm emphasizes goals-based planning and long-term strategic asset allocation without managing client assets directly, referring clients to third-party asset managers and offering specialized services including an AI-based budgeting application and programs for veterans and public service personnel.

Christopher Yeagle is a financial advisor at Honeygo Financial with eight years of industry experience. He holds the Series 66 designation and previously worked at Merrill Lynch and Life Plan Financial. Yeagle’s background also includes over a decade at TJ Distributors, Inc. Honeygo Financial provides investment management and comprehensive financial planning to individual clients, serving both mass-affluent and high-net-worth households. The firm employs a Modern Portfolio Theory-based approach, primarily using passive strategies with index mutual funds and ETFs, and emphasizes documented investment policies, tax efficiency, and coordination with outside tax and legal professionals.

Ethan Lytle is a financial advisor at Candlelight Financial Solutions with a Series 65 designation and one year of industry experience. Prior to his advisory role, he worked for 19 years at Lincoln University. He is also affiliated with Income and Estate Planning Partners P.A. Candlelight Financial Solutions is a newly formed registered investment adviser that serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and municipal entities. The firm focuses on customized investment policy statements, discretionary portfolio management using fundamental analysis and modern portfolio theory, and offers a free monthly newsletter.

Craig Lytle is a CFP® professional with 26 years of industry experience. He currently serves at Candlelight Financial Solutions and has held previous roles at Integrity Alliance, Lion Street, and Signator Investors. Lytle owns Income and Estate Planning Partners, P.A., a firm focused on comprehensive financial planning, and is also an independent insurance agent specializing in life, accident, health, and property/casualty insurance. Candlelight Financial Solutions provides portfolio management and financial planning services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and municipal entities. The firm uses fundamental analysis and modern portfolio theory, establishing personalized Investment Policy Statements and occasionally referring client assets to third-party advisers after due diligence.

Benjamin Huber is a CFP® professional at Five Rivers Financial Advisors, LLC with seven years of industry experience. He has been with Five Rivers Financial Advisors since 2011. Five Rivers Financial Advisors manages approximately $52.6 million for a range of clients including individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and small businesses. The firm provides fee-based portfolio management and financial planning services, utilizing a tailored approach based on client objectives, time horizons, risk tolerance, and liquidity needs.

Raymond Heidel is a Certified Financial Planner® with 25 years of industry experience. He has been with Five Rivers Financial Advisors, LLC since 1997. The firm manages approximately $52.6 million for individuals, trusts, pension and profit-sharing plans, estates, charitable organizations, and small business entities, serving both high-net-worth and non-HNW clients. Five Rivers Financial Advisors provides fee-based portfolio management and financial planning services, utilizing a tailored approach based on client objectives, risk tolerance, and liquidity needs.

Vincent Silvestri is a financial advisor with Silvestri Financial and Tax Advisors, Inc. He holds a Series 66 designation and has 12 years of industry experience. His career includes roles at Chesapeake Capital Management, LLC and Sageguard Investment Advisory Services. In addition to advisory services, he manages individual federal and state tax return preparation annually. Silvestri Financial and Tax Advisors provides financial planning, consulting, and tax-related advice to individual and corporate clients, including high-net-worth individuals. The firm recommends third-party portfolio managers, offers insurance products, and hosts educational seminars primarily for retirement-age attendees, focusing on traditional asset classes while placing portfolio management with selected external managers.

Ryan Ruark is a financial advisor at Candlelight Financial Solutions with three years of industry experience. He holds a Series 66 designation and has worked at firms including Integrity Alliance, LLC and Lion Street Advisors. Outside of his advisory work, Ruark serves as a volunteer board member for the JT Dorsey Foundation and is a committee member of The Foundation for Enhancing Communities. Candlelight Financial Solutions is a registered investment adviser providing portfolio management and financial planning to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and municipal entities. The firm uses fundamental analysis and modern portfolio theory to implement strategies tailored to clients’ goals and risk tolerances and offers a monthly newsletter as part of its client communications.

Brian Silvestri is a financial advisor at Silvestri Financial and Tax Advisors, Inc with five years of industry experience. He holds a Series 65 designation and previously worked at Booz Allen Hamilton for 13 years, where he served as Lead Associate and Project Manager in the Strategic Innovation Group. Silvestri Financial and Tax Advisors provides financial planning, consulting, and tax-related advice to individuals, including high-net-worth clients, and corporate clients. The firm recommends third-party portfolio managers, offers insurance product recommendations, and hosts educational seminars primarily for retirement-age attendees, focusing on tailored financial plans and due diligence through the AssetMark platform.

Lyle Hardgrove is a financial advisor at CFM Advisors Inc with 11 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at CFM Advisors since 2018, following prior roles at Paychex Securities Corporation and Paychex, Inc. CFM Advisors serves individual clients, including high-net-worth individuals, as well as pension and profit-sharing plans and corporate clients. The firm specializes in non-discretionary portfolio management and retirement plan advisory services, managing over $200 million in client assets outside of retirement plans and advising on more than $2.7 billion in 401(k) assets.

Christopher Hardy is a Series 66-credentialed advisor at First Advisors National, LLC with 26 years of industry experience. He has been with First Advisors National since 2019, following prior roles at Royal Alliance Associates, Inc. and Signator Investors, Inc. Outside of his advisory work, Hardy serves as an assistant basketball coach for the Maryland Hoopmasters AAU team. First Advisors National provides investment management and retirement plan consulting primarily to individual clients, including ERISA plan participants. The firm employs tactical and strategic asset allocation, largely managing accounts on a discretionary basis through third-party money managers and supplements portfolios with advice on individual equities, ETFs, and mutual funds.

Ronald Hammons is a financial advisor with Founders Financial Securities LLC, holding Series 63 and Series 65 licenses and over 21 years of industry experience. He has been with Founders Financial Securities since 2011. Outside of his advisory role, Hammons provides business consulting services focused on ownership guidance, efficiency improvement, and exit planning for business owners. Founders Financial Securities serves a diverse client base including individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients. The firm offers a range of services such as portfolio management, financial planning, retirement consulting, and brokerage and insurance services, utilizing various advisory platforms and a combination of mutual funds, ETFs, and sub-advised strategies.

Thomas Clark Jr. is a financial advisor at Creative Planning with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Lockton Companies in various capacities from 2006 to 2021. Outside of his advisory role, he consults on software through a separate business, Benetic. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by direct indexing, tax-loss harvesting, and selective private market exposure.

Jennifer Hoffman is a financial advisor at Creative Planning with one year of industry experience. She holds the Series 65 designation and previously worked at Lockton Investment Advisors, LLC for five years. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that integrates low-cost indexing, buy-and-hold strategies, and selective private market exposure while managing approximately $295.6 billion in client assets.

Stephen Pupa Jr. is a CFP® professional with 33 years of industry experience, affiliated with Commonwealth Financial Network. He has been associated with Commonwealth Equity Services, Inc. and First Susquehanna Financial Group, Inc. since 1997. Outside of his advisory work, he is involved in fixed insurance sales as an agent and operates Stephen Pupa, Inc., a securities-related company. Commonwealth Financial Network is a national dual-registered broker/dealer and SEC-registered investment adviser supporting approximately 2,900 affiliated advisors and managing over $212 billion in client assets. The firm provides a range of managed-account programs, access to third-party asset managers, and custodial services, serving both individual and institutional clients.

Callum Krach is a financial advisor at Empower Advisory Group with six years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, Coldwell Banker, and Mutual of Omaha. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, focusing on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Kenneth Buckner is a financial advisor with PNC Wealth Management, holding Series 63 and Series 65 licenses and bringing 12 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Cetera, among others. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a discretionary digital portfolio solution available by invitation to employees with PNC Bank online credentials. The firm uses algorithm-driven risk assessments and delegates portfolio implementation to third-party strategists.

Kenneth Arnold is a financial advisor with GWN Securities Inc. in Salisbury, MD, holding a Series 66 designation and five years of industry experience. Prior to joining GWN Securities, he worked at Benfield Electric Company, Inc. for 13 years. Arnold is also active as a life insurance agent, focusing primarily on term coverage and long-term care insurance through partnerships with New Directions Financial Group and Osborne Financial Group. Additionally, he serves as a SmartVestor Pro, providing investment guidance to clients referred by Dave Ramsey. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through discretionary managed accounts, financial planning, and access to third-party sub-advisers. The firm manages approximately $3.65 billion across more than 37,000 client accounts and offers a range of managed-account programs and model portfolios, including strategies that combine traditional asset allocation with legacy market-timing and momentum-based approaches.

Jeffrey Rogers is a financial advisor with PNC Wealth Management in Forest Hill, MD, holding Series 63 and Series 65 licenses. He has 24 years of industry experience, including 12 years at M&T Securities and nine years at PNC Investments. He is also a principal of Big Country LLC, a non-investment-related business. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including a digital discretionary model account available by invitation to employees. The firm uses algorithmic risk assessments and third-party portfolio management to implement investment strategies primarily via mutual funds and ETFs.

David Dively is a financial advisor with Truist Advisory Services and holds a Series 66 designation. He has 23 years of industry experience, including roles at Truist Investment Services, Bb&T Securities, and BBTIS. Truist Advisory Services provides investment consulting and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm uses a combination of discretionary manager relationships and non-discretionary consulting, supported by third-party platforms and AI-enabled research tools.

Jennifer Lowden is a financial advisor with LPL Financial who holds a Series 66 designation and has 16 years of industry experience. She has been with LPL Financial since 2017. Outside of her advisory work, she is a licensed notary public and notarizes forms for clients. 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 variety of financial planning and investment management services, including access to third-party asset managers and institutional platforms, supporting a broad range of investment strategies.

Michael Forcade is a Series 66-licensed financial advisor with Edward Jones, where he has worked since 2008, accumulating 18 years of industry experience. He is based in North East, Maryland. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a broad range of households and organizations. The firm manages approximately $1.01 trillion in assets and offers various advisory strategies through a nationwide network of financial advisors and branch offices.

John Delp is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and over 43 years of industry experience. He has been associated with Primerica Advisors since 1982 and Primerica Financial Services since 1991. Outside of advisory work, he is involved in selling loan products and home security services through affiliates of Primerica, and he owns Delp Financial Corporation, a legal entity formed for Primerica business purposes. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, managing potential conflicts through disclosure and oversight.

Mark Namvary is a financial advisor with UBS Financial Services in Forest Hill, MD, holding Series 63 and Series 65 registrations and with 30 years of industry experience. He has been with UBS since 2002. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor investment plans.

Jonathan Williams is a financial advisor at Edward Jones in Oxford, PA, holding the Series 63 and Series 65 designations with two years of industry experience. He previously worked with Florida Financial Advisors (DBA Tristate Financial Advisors) and has held roles in various firms including Nyle Maxwell and Capstone Logistics. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

David Tate is a financial professional with 11 years of industry experience, currently affiliated with Cetera. He holds the ChFC® and Series 66 designations. Prior to joining Cetera in 2023, he worked at Securian Financial Services and Minnesota Life. Outside of his advisory work, he serves as a preacher for a small congregation, delivering monthly sermons. Cetera is an SEC-registered adviser operating a nationwide network of over 10,000 independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program platforms and third-party managers.

Curtis Shambaugh is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Cetera and its related entities since 2013. Outside of his advisory role, he operates Shambaugh Financial LLC, providing financial services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and consulting services, with access to multiple program structures and third-party managers.

Charles Fisher Jr. is a CFP® professional with 33 years of industry experience, currently affiliated with LPL Financial since 2003. Based in Quarryville, PA, he has operated under the Fisher Wealth Management Group as part of his advisory activities. 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 advisory services including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and a large network of over 22,800 advisors.

David Babcock is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has worked with Equitable Advisors and its predecessor, AXA Advisors, since 1999. Outside of his advisory role, Babcock holds power of attorney for his parents, though this authority is not currently active. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs, utilizing both in-house and third-party advisory solutions.

Keith Digregorio is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at Linsco Private Ledger since 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, including model portfolio programs and institutional platforms.

Elizabeth Darling is a financial advisor with Edward Jones in Oxford, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Edward Jones, she was involved in several symphony orchestras, including the Dubuque, Billings, and Lima Symphony Orchestras, and has experience outside finance in the hospitality and brewing industries. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients with a broad range of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products.

Aaron Turner is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Hornor, Townsend & Kent, Inc. and Penn Mutual for 18 years. Outside of his advisory role, he is also active as a non-variable insurance agent with Rockwell Insurance Agency and 1847 Financial. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both proprietary and third-party investment strategies.

Gregory Wolfe is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has worked at firms including LPL Financial and Peoplesbank prior to joining Cetera and Orrstown Bank. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and serves over 800,000 clients with more than $256 billion in assets under management.

William Watson is a financial advisor with LPL Enterprise holding Series 63 and Series 65 credentials and 31 years of industry experience. His previous roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, Crown Capital Securities, Guardian Life, and Equity Services, Inc. Watson also markets his advisory services under Frame Wealth Partners. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional clients, utilizing model-driven investment implementation and offering access to third-party asset managers and various financial planning services.

Kevin Broderick is a financial advisor with LPL Financial in Kirkwood, PA. He holds Series 63 and Series 66 licenses and has nine years of industry experience. Prior to joining LPL in 2025, he worked at Bankers Life Advisory Services, Bankers Life Securities, and Wells Fargo in various roles. Outside of financial advising, he is the owner of ProSound Entertainment, a business he has operated since 2008. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Lauretta Yeagy is a Series 66-licensed financial advisor with five years of industry experience. She has worked at Wilmington Advisors and LPL Financial since 2021 and previously spent five years at M&T Securities, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party management access, and institutional platforms.

David Trainor is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. He holds a Series 66 designation and is based in Oxford, PA. Outside of his advisory role, he is involved as a board member and committee participant with Oxford Mainstreet Incorporated, working on local economic development initiatives, and owns a business that buys, repairs, and resells motorcycles, boats, and cars. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of needs. The firm manages over $1 trillion in assets through a nationwide network of advisors, offering both discretionary and non-discretionary investment strategies along with affiliated mutual funds, trust services, and securities-based lending options.

Joseph Oliver is a CFP® professional affiliated with Edward Jones in Oxford, PA, with six years of industry experience. Prior to joining Edward Jones in 2020, he was involved with Green Planet Inc (GPHomestay) and spent six years at Baylor University. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Stephen Berkeridge is a financial advisor with Cetera, holding a Series 66 credential and bringing 12 years of industry experience. His background includes roles at Avantax Advisory Services and Avantax Insurance Agency, as well as entrepreneurial ventures such as owning Berkeridge Financial Services, which provides tax preparation and accounting. He is also a partner and CFO of Summit Bridge Veterinary Hospital LLC and is involved in nonprofit accounting for Cecil Families First, Inc. and tax compliance for Cheyla's Rescue Foundation and Riviera Rescue. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, consulting, and access to multiple investment strategies, managing over $256 billion in assets across more than 10,000 advisors.

Tamara Tilton is a financial advisor with Edward Jones in Oxford, PA, holding a Series 66 designation and three years of industry experience. She previously worked at Diflippo and Company and has been self-employed since 2006. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large national network of financial advisors and branch offices.

James Duffy IV is a CFP® with 21 years of industry experience, currently serving at LPL Enterprise since 2024. His prior experience includes roles at Prudential Insurance Company of America for 20 years, Pruco Securities, LLC for 18 years, and Morgan Stanley DW Inc. for one year. Outside of his primary advisory role, he is involved with Frame Wealth Partners, focusing on comprehensive financial planning and the sale of insurance and investment-related products. LPL Enterprise provides investment advisory and brokerage services to a broad client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm utilizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.