Zen, that stretch of the C&O has always been one of my favorites, and proximity to Shep'town is only one of the reasons why. That switchbacked path down to the canal is fun. Cool video

Regina, the financial advisor I dealt with years ago was with Ameriprise (then American Express). He seemed good, but talked a little over my head. I'll probably check to see whether they have someone else closer to me, since I do have an account with them. Good idea to check the site for questions to ask, I hadn't thought of that.