Fred Young is a CFP® professional with 32 years of industry experience, serving as the sole advisor at Cumberland Valley Financial Services Inc. in Greencastle, PA, where he has worked since 1992. He holds a Series 65 license and provides financial advisory services through an independent, state-registered firm. Cumberland Valley Financial Services Inc. offers ongoing portfolio management and comprehensive financial advice to individuals, pensions, profit-sharing plans, trusts, estates, corporations, and charitable organizations. The firm implements diversified investment allocations primarily using no-load mutual funds and ETFs, managing a significant portion of assets on a discretionary basis under tailored investment policies.

Patricia Bush is a CFP® and Series 65 credentialed advisor with six years of industry experience. She is the principal of AAA Advisory LLC and also serves as a tax consultant at Bestgate Tax & Accounting Advisors, LLC, where she is involved in tax review and income tax preparation. Her prior work includes roles at Squire, Lemkin + Company, LLP and Bestgate Wealth Advisors, LLC. AAA Advisory LLC provides fee-only comprehensive and project-based financial planning and tax preparation services primarily to individual clients, including high-net-worth individuals, through virtual meetings. The firm offers non-discretionary investment recommendations based on Modern Portfolio Theory and a long-term, passive investment approach focused on asset allocation.

Keith Bryan is a financial advisor at Bryan Investments, LLC with 41 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Bryan Investments since 2011. Bryan Investments serves individual clients, including high net worth individuals, pension and profit-sharing plans, and small businesses by providing non-discretionary portfolio management and investment recommendations. The firm employs both fundamental and technical analysis, generally favoring long-term purchase strategies while using short-term trading in limited cases, and operates with a flat annual management fee without charging percentage-of-assets fees or accepting commissions.

Gary Clark is a financial advisor at Soar Financial LLC with 23 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including American Trust Investment Services, Eagle Strategies, and Nationwide Securities. Clark is also involved in insurance brokering outside of his advisory role. Soar Financial LLC provides investment management, financial planning, and retirement plan consulting services to individuals, trusts, estates, businesses, and qualified retirement plans. The firm offers customized portfolios with a focus on long-term strategies and serves as both discretionary and non-discretionary managers.

Catherine Bryan is a financial advisor at Bryan Investments, LLC with 16 years of industry experience. She holds Series 63 and Series 65 designations and has been with Bryan Investments since 2011. The firm serves individual clients, pension and profit-sharing plans, and small businesses by providing non-discretionary portfolio management and investment recommendations. Bryan Investments uses fundamental and technical analysis, generally favoring long-term purchase strategies, and employs a flat annual management fee structure without charging percentage-of-assets fees or accepting commissions.

David Collins is a financial advisor with Legacy Investment Strategies, LLC, holding Series 63, 65, and 66 licenses and bringing 31 years of industry experience. His prior roles include positions at LPL Financial, Crown Capital Securities, and Wilbanks Securities. Outside of advising, he works as a fitness instructor in Hagerstown, MD. Legacy Investment Strategies serves individual and high-net-worth clients, small businesses, trusts, estates, pooled vehicles, and charities by offering discretionary portfolio management, financial planning, and referrals to third-party managers. The firm employs asset allocation and security selection based on fundamental and technical analysis, with regular account reviews and attention to rebalancing and tax-loss harvesting.

Cort Meinelschmidt is a financial advisor with Capital Investment Advisory Services, LLC, holding Series 63 and Series 66 licenses and having 21 years of industry experience. He previously worked at Capital Investment Group, Inc. and Sentinel Capital Solutions. Outside of his advisory role, Meinelschmidt is the president of Meinelschmidt Distillery. Capital Investment Advisory Services, LLC provides investment advisory and supervisory services to individuals, retirement plans, corporations, trusts, estates, and charitable organizations. The firm offers personalized investment management through discretionary mandates, third-party managers, and private-label model portfolios, with ongoing monitoring and a range of analytical methods.

Justin Cunningham is a financial advisor at OneAscent Financial Services LLC with five years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for five years and the Federal Energy Regulatory Commission for eleven years. Outside of advisory work, he is involved in insurance sales. OneAscent Financial Services LLC manages approximately $2.61 billion through a network of 57 advisors, serving individuals, pension and profit-sharing plans, trusts, charitable organizations, and corporate clients. The firm offers discretionary and non-discretionary asset management, financial planning, ERISA fiduciary services, and utilizes a combination of direct management, third-party managers, and unified managed accounts.

Becky Lynch is a financial advisor with Calton & Associates, Inc. in Hagerstown, MD, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. She has worked at several firms including CL Wealth Management LLC and Cabot Lodge Securities LLC. Outside of her advisory work, she owns and operates a farm raising sheep and dogs and serves as a livestock show judge. Calton & Associates serves individual investors, retirement plans, trusts, and estates by providing portfolio management, fee-based financial planning, and retirement plan consulting. The firm offers both discretionary and non-discretionary management with multiple program structures and combines brokerage, insurance products, and third-party money manager access.

Christopher Drawbaugh is a financial advisor at B. Riley Wealth Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with B. Riley Wealth Management since 2009. Outside of his advisory role, he owns Bastion Financial Group and is involved in managing commercial real estate through Beverly Court LLC and Drawbaugh Development LLC. B. Riley Wealth Advisors, Inc. is an SEC-registered firm managing approximately $7 billion in client assets through about 274 advisors. The firm serves individuals, high-net-worth clients, charitable organizations, corporations, and retirement plans with a range of advisory programs, financial planning, and retirement solutions.

John Pullaro is a financial advisor at OneSeven with 25 years of industry experience. He holds a Series 66 designation and has worked at firms including Fortune Financial Services, International Assets Advisory, and Bb&T Investments. Outside of his advisory role, he is the owner of Lums Lane Farm, where he is involved in farming and selling crops. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans, offering portfolio management, financial planning, and retirement-plan consulting. The firm employs a primarily long-term investment approach, utilizing diversified mutual funds, ETFs, individual securities, and alternative investments, and engages third-party platforms and independent managers for implementation.

Cindy Everly is a financial advisor with Founders Financial Securities LLC, holding a Series 66 designation and 21 years of industry experience. She has worked at Founders Financial Securities since 2012 and has operated Everly Financial Services, providing accounting, tax, financial planning, and insurance services since 1985. Prior to this, she spent 11 years at Steven Katz, CPA. 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 portfolio management programs, financial planning, retirement consulting, and brokerage and insurance services, utilizing both traditional and subscription-based delivery methods.

John Zinaich is a CFP® and ChFC® with 25 years of experience in financial advising, currently serving at Founders Financial Securities LLC since 2008. He is also president of Zinaich Capital & Risk Management and serves as chairman of Paramount Baptist Church. Founders Financial Securities serves individual and high-net-worth investors, retirement plans, charitable organizations, and corporate clients through a network of registered investment adviser representatives. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement consulting, and combines advisory, brokerage, and insurance services with a range of model portfolios and sub-advisory relationships.

Alfred Labib is a financial advisor with Kovack Advisors, Inc., holding a Series 66 designation and 26 years of industry experience. He previously worked at SagePoint Financial, Inc. for 13 years before joining Kovack Advisors in 2022. Outside of his advisory role, Labib manages a wealth management business under the name Legacy Wealth Management, LLC. Kovack Advisors, Inc. is an SEC-registered enterprise investment adviser serving a diverse client base, including individuals, corporations, pension plans, and banking institutions. The firm emphasizes diversified asset-class exposure primarily through mutual funds and ETFs, while also recommending third-party asset managers and providing comprehensive financial planning and retirement account management services.

John Stevens III is a financial advisor with United Brokerage Services, Inc., holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. His prior roles include positions at Sharebuilder 401 K, Capital One Sharebuilder, Capital One Investment Services LLC, and Chevy Chase Financial Services Corporation. United Brokerage Services, Inc. offers investment advisory and brokerage services to individuals, corporate pension and profit-sharing plans, and trust clients through various wrap fee and advisory programs. The firm primarily manages client assets on a non-discretionary basis and maintains affiliations with United Asset Management Corporation and Wells Fargo, combining banking relationships with a dual RIA and broker-dealer registration.

John Hose II is a Series 66-credentialed advisor with 14 years of industry experience. He has been with Madison Avenue Securities, LLC since 2011 and is also president and owner of Life Financial, a business focused on life and health insurance and annuities. Outside of his advisory roles, he serves as treasurer for Ravens Roost #7, a nonprofit that awards scholarships and donates to local charities including Special Olympics. Madison Avenue Securities, LLC provides investment advisory and related services to individuals, charitable institutions, foundations, trusts, and employer-sponsored retirement plans. The firm manages approximately $2.0 billion in assets and offers a range of portfolio management, financial planning, pension consulting, and college-savings services through a variety of account platforms and investment approaches.

Luke Becker is a financial advisor with PNC Wealth Management in Hagerstown, MD, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked at PNC since 2014 in various roles including PNC Investments and PNC Bank. Outside of finance, Becker serves as a wrestling official for the Washington County Wrestling Official Association. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and third-party strategists to manage portfolios primarily through mutual funds and ETFs.

Scott Toms is a financial advisor at CWM, LLC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera Advisor Networks, Carson Wealth, Linsco Private Ledger Corp, and Cornerstone Wealth Management Group. Outside of his advisory role, he is an insurance agent selling life, annuities, and long-term care products and co-owns a property used to house a business. CWM, LLC serves a diverse client base including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, sub-advisory services, and variable insurance sub-account management, utilizing a combination of in-house models, third-party sub-advisors, and technology partners to implement discretionary portfolio management.

Daniel Graber is a financial advisor with Kestra Advisory and holds a Series 66 designation. He has nine years of industry experience at Kestra and has been involved with Graber Financial Services, Inc. for over 22 years, where he serves as Vice President. His other business activities include managing an investment partnership and assisting with insurance and financial planning services. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a wide range of institutional and individual clients. The firm offers services including fiduciary consulting, plan design and compliance, employee education, and advisor-managed accounts, serving large institutional investors among its diverse client base.

Kenneth Graber is a CFP® with 35 years of experience in financial advisory services. He is currently with Kestra Advisory and has held roles at Kestra Investment Services, LLC and his own firm, Graber Financial Services, Inc. Outside of his advisory work, he serves as a trustee for The Mathias Washington County Charitable Trust and holds board positions with several nonprofit organizations. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse range of institutional and individual clients, including large plan sponsors and sovereign wealth funds. The firm offers fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions within a structured supervisory framework.