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Curtis Shambaugh

Advisor at Cetera

Updated today

Location

Peach Bottom, PA 17563

Credentials

Series 63, Series 65

Industry experience

29 years

About

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 with Cetera and its affiliates since 2013. He also operates Shambaugh Financial LLC, providing financial advisory services. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary solutions, combining advisor-managed accounts, model portfolios, and third-party managed options.

Client services

Based on Cetera

Financial planning Portfolio management Pension consulting Selection of other advisers Educational seminars or workshops

Expertise

Based on Cetera

Wealth management Tax-loss harvesting Retirement plans for business owners (SEP, solo 401k) Charitable giving & philanthropy

Occupation focus

Based on Cetera

Founder/Business Owner Executive Retired

Demographic focus

Based on Cetera

HENRY (High Earners, Not Rich Yet) Approaching retirement

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Fee options

Fixed

Flat fees for financial planning and consulting negotiated with client

Percentage

$0 - $250,000: Up to 2.75% $250,001 - $500,000: Up to 2.50% $500,001 - $750,000: Up to 2.00% $750,001 - $1,000,000: Up to 1.75% $1,000,001 - $2,000,000: Up to 1.50% $2,000,001 - $5,000,000: Up to 1.25% $5,000,001+: As low as 0.75% (varies by program)

Project-based

Hourly consulting and financial planning rates negotiated with client

Other

Account minimum: $5,000 Minimum fee: Minimum program fees ranging from $99 to $199 annually depending on program Fee-only: Flat or hourly fees for financial planning and consulting services, negotiated case-by-case

Location

1842 Lancaster Pike

Peach Bottom, PA 17563

Most active in

Pennsylvania

Work history

Cetera

2023 - Present (3 years)

Cetera Wealth Services, LLC

2013 - Present (13 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

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Craig L

CFP®, Series 63, Series 65

Lincoln University, PA

Candlelight Financial Solutions

Craig Lytle is a CFP® professional with 26 years of experience in the financial services industry. He is currently with Integrity Alliance, LLC and has previously worked at Signator Investors, Inc. and Transamerica Financial Advisors, Inc. In addition to his advisory role, he owns an independent insurance agency specializing in life, accident, health, and property/casualty insurance, as well as Income and Estate Planning Partners, P.A., which provides comprehensive financial planning services. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent investment adviser representatives. The firm offers continuous asset management, financial planning, retirement plan consulting, and access to third-party manager programs, utilizing a variety of portfolio management approaches and custodial platforms.

Options & derivatives strategies Real estate investing Wealth management College savings (529s, UTMA, etc.) Life insurance needs analysis
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Ryan R

Series 66

Lincoln University, PA

Candlelight Financial Solutions

Ryan Ruark is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and two years of industry experience. Prior to joining Integrity Alliance, he worked at Cambridge Investment Research and Lion Street Financial. He serves as a volunteer board member for the JT Dorsey Foundation and is a committee member for The Foundation for Enhancing Communities. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisors. The firm provides a range of investment management and financial planning services, employing various portfolio construction approaches and offering access to multiple custodial platforms and third-party manager programs.

Options & derivatives strategies Real estate investing Wealth management College savings (529s, UTMA, etc.) Life insurance needs analysis
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Christopher H

Series 66

Westminister, MD

First Advisors National, LLC

Christopher Hardy is a financial advisor at First Advisors National, LLC with 26 years of industry experience. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Signator Investors, and Transamerica Financial Advisors. Outside of his advisory work, Hardy serves as an assistant basketball coach for Maryland Hoopmasters AAU Basketball. First Advisors National manages discretionary assets for individual and high-net-worth clients, offering investment management, third-party portfolio recommendations, and retirement plan consulting. The firm emphasizes selecting and monitoring money managers while supplementing with fundamental analysis of individual securities.

Passive / index investing
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Amanda H

Series 66

Holtwood, PA

PNC Wealth Management

Amanda Harris is a financial advisor with PNC Wealth Management and holds a Series 66 designation. She has been with PNC Investments LLC since 2025 and has prior work experience at Spring House Brewing and PNC Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only online Portfolio Solutions Strategist Digital Offering that uses algorithm-driven risk assessments and implements investments via approved model strategies.

Passive / index investing Active portfolio management Wealth management Executive
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David D

Series 66

Oxford, PA

Truist Advisory Services

David Dively is a financial advisor with Truist Advisory Services, holding a Series 66 designation and over 22 years of industry experience. His prior roles include positions at Bb&T Securities, Cetera, and National Penn Bank. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of discretionary and non-discretionary investment solutions, combining model portfolios, third-party managers, and advisor-led asset allocation.

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) Active portfolio management
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Jennifer L

Series 66

Quarryville, PA

LPL Financial

Jennifer Lowden is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. She has been with LPL Financial since 2017 and has prior work experience outside the financial industry, including at Joann Fabric and Craft. Additionally, she serves as a Notary Public, notarizing forms for clients. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by in-house research and a large network of investment adviser representatives.

Wealth management Retirement plans for business owners (SEP, solo 401k) College savings (529s, UTMA, etc.) Tax-loss harvesting Founder/Business Owner Retired
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