James Rex Naylor Jr.

Nyi Htoon is a CFA® charterholder and the sole advisor at Step Forward Financial in Lewistown, PA, with one year of experience at the firm and a decade of prior experience at Prudential Financial. He manages a family partnership that oversees investments for his and his siblings' families without compensation. Step Forward Financial provides financial planning and investment consultation services focused on advice rather than discretionary management, serving individuals and families with recommendations centered on low-cost index funds and ETFs. The firm’s approach involves a holistic assessment of clients’ financial situations and offers an hourly fee structure without asset-based or performance fees.

Peter Pecora is a financial advisor at CreativeOne Wealth, LLC with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including MassMutual of Greater Philadelphia and The Prudential Insurance Company of America. In addition to his advisory role, he is also an insurance agent with Vantage Point Life. CreativeOne Wealth provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm uses a combination of proprietary ETF-based models, third-party managers, and option strategies, supporting tailored assessments and regular portfolio rebalancing.

Adam Khalifa is a financial advisor with Citizens Securities, Inc., holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at Citizens Securities since 2022 and previously held roles at CUNA Brokerage Services and CUNA Mutual Group. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program based on ETF portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Jenna Heimbaugh is a financial advisor at Creative Planning with 18 years of industry experience and holds a Series 66 designation. She has been with Creative Planning since 2016. Outside of her advisory work, she owns two small businesses focused on craft wreath making and jewelry repair. 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, 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 various active and passive investment strategies.

Brian Hummel is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 22 years of industry experience. He has worked with Cetera since 2019 and previously spent seven years at Infinex Investments and over a decade at Pennian Bank. Outside of his advisory work, he is involved in several entrepreneurial activities, including furniture restoration, antique sales, dog breeding, and operating a roadside produce stand. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base, including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and third-party managers across various program structures.

Daryl Schafer is a financial advisor with LPL Financial in Boalsburg, PA, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with LPL Financial since 2009 and also works with Culbertson Financial Services. Schafer serves as an elected Township Supervisor and Chairman for Haines Township in Centre County, PA, and is involved with the Penns Valley FFA Alumni and Supporters Association as a board secretary. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.