*Standards for inclusion are based upon the following five criteria and inclusion is paid for by the advisor: knowledge and experience including current membership in either the FPA, NAPFA, or NSCHBC; Geography designed to represent a broad geographic range; Fee arrangements for services whereas both fee based and commission advisors are considered; inclusion is limited to advisors who require one million or less as a minimum, or who are flexible about their minimum; Applicants standing will be checked against the national databases of the SEC and FINRA (formerly NASD) for confirmation they have not been found guilty of wrongdoing on a national level. Securities and Advisory Services offered through Commonwealth Financial Network ®, Member FINRA, SIPC, a Registered Investment Adviser.

This communication is strictly intended for individuals residing in the states of CA, FL, MD, NC, PA, VA, WV. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.

**"Best of Frederick" as voted by readers of Frederick Magazine during their annual "Best of Frederick" event.