Victor Glenn Yoder

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.

Judy Loy is a ChFC® credentialed financial advisor with Nestlerode & Loy, Inc. in State College, PA, bringing 33 years of industry experience. She has been with Nestlerode & Co., Inc. since 1992. Outside of her advisory role, Loy serves as a director for the University Park Plaza Corporation and is a board member of the Mutual Benefit Group Insurance P & C Board of Directors; she also chairs the Centre County Hospital Authority. Nestlerode & Loy provides discretionary portfolio management and financial planning services to individual and institutional clients, managing approximately $200 million in assets. The firm employs a “Pay Attention” approach that integrates daily price monitoring, technical analysis, and fundamental research, while customizing accounts to client constraints and offering ESG investment options.

Richard Defluri is a financial advisor with Abundance Wealth Counselors, LLC in State College, PA, where he has worked for 24 years. He holds 25 years of industry experience. Outside of his advisory role, he is involved with several affiliated entities, including an insurance-related business and a non-investment aviation company. Abundance Wealth Counselors provides private wealth management in a family office setting to individuals and families with significant investible assets, as well as retirement plans, businesses, estates, trusts, and charitable organizations. The firm constructs globally diversified portfolios using a range of investment vehicles and offers services such as investment management, estate administration, and access to private placements.

Sean Walker is a Series 65-licensed financial advisor at Abundance Wealth Counselors, LLC with four years of industry experience. Prior to joining Abundance in 2021, he held positions at Hoffman Leakey Architects, SeaWalker Consulting, G.M. McCrossin, and Penn State University. Abundance Wealth Counselors offers private wealth management in a family office setting to individuals and families with significant investible assets, as well as advising retirement plans, businesses, estates, trusts, and certain charitable organizations. The firm employs a globally diversified investment approach using equities, fixed income, mutual funds, ETFs, and hedging strategies, supported by external research and an investment committee.

Ann Mallison is a financial advisor at Abundance Wealth Counselors, LLC with six years of industry experience. She has been with Abundance Wealth Counselors since 2019 and previously held multiple positions at The Pennsylvania State University. Abundance Wealth Counselors provides private wealth management in a family office setting to individuals and families with significant investible assets, as well as retirement plans, businesses, estates, trusts, and certain charitable organizations. The firm employs a globally diversified investment approach using equities, fixed income, mutual funds, ETFs, and hedging strategies, supported by external research and an investment committee.

John Schaffer is a financial advisor with Abundance Wealth Counselors, LLC in State College, PA, holding 11 years of industry experience. He has been with Abundance Wealth Counselors since 2013. Outside of advising, Schaffer is a managing member of Antifragile Brewing Company, where he oversees financial and business strategy. Abundance Wealth Counselors provides private wealth management and related services to individuals, families, retirement plans, businesses, and charitable organizations. The firm focuses on globally diversified portfolios, combining multiple investment types and research-supported strategies, and also acts as a private fund adviser and sponsor.