Fred Young is a CFP® professional with 32 years of industry experience, serving as the sole advisor at Cumberland Valley Financial Services Inc. in Greencastle, PA, where he has worked since 1992. He holds a Series 65 license and provides financial advisory services through an independent, state-registered firm. Cumberland Valley Financial Services Inc. offers ongoing portfolio management and comprehensive financial advice to individuals, pensions, profit-sharing plans, trusts, estates, corporations, and charitable organizations. The firm implements diversified investment allocations primarily using no-load mutual funds and ETFs, managing a significant portion of assets on a discretionary basis under tailored investment policies.

Noah Eshenaur is a financial advisor at TruNorth Financial Services, Inc. with a Series 65 designation and three years of industry experience. Prior to joining TruNorth, he worked in various roles including positions at Shippensburg University and Tuscarora Intermediate Unit 11. TruNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm uses a conservative, diversified investment approach with portfolios constructed primarily of mutual funds and ETFs, supplemented by individual equities and fixed-income securities when appropriate.

Kristin Ramsay is a financial advisor at truNorth Financial Services, Inc. with a Series 65 credential and three years of industry experience. She previously worked at Orrstown Bank for eight years before joining truNorth Financial Services in 2019. Outside of advising, she is a minority owner of a coffee roasting and coffee shop business called Denim Coffee Company. truNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm employs a conservative, diversified investment approach, constructing portfolios primarily with mutual funds and ETFs while offering retirement rollover guidance and consulting services.

Christopher Jackson is a financial advisor at TruNorth Financial Services, Inc. in Chambersburg, PA, holding a Series 65 designation with 11 years of industry experience. He previously worked at PNC Wealth Management and Tucker Financial Services. Outside of his advisory role, Jackson is active in community and educational organizations, serving as chairperson of the Shippensburg University Finance Advisory Council and president of University Community Ministries. TruNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm employs a conservative, diversified investment approach with portfolios primarily consisting of mutual funds and ETFs, managing accounts on a discretionary basis guided by client risk tolerance and an Investment Policy Statement.

James Martin is a CFP® with 35 years of industry experience. He has been with Creative Financial Designs, Inc. since 2011. Outside of his advisory role, he is active as a minister of the gospel and provides tax preparation, accounting, and business consulting services. Creative Financial Designs serves individual, charitable, corporate, and retirement plan clients with a range of investment management and financial planning services. The firm employs asset-class model allocations informed by third-party research and offers strategies including Biblical Responsible Investing, alongside flexible billing arrangements and affiliated insurance and tax services.

Brittany Brannon is a financial advisor at First Heartland Consultants, Inc. with one year of industry experience. She holds a Series 66 designation and has previously worked at firms including Bank of America, Merrill, and Equitable Advisors LLC. Outside of her advisory role, she has experience as an administrative employee at Erickson Financial. First Heartland Consultants serves a diverse client base including individual investors, retirement plan participants, charitable organizations, and corporations. The firm offers a range of financial planning and asset management services, utilizing model-based strategies and delivering advice through a network of independent investment adviser representatives.

Christopher Drawbaugh is a financial advisor at B. Riley Wealth Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with B. Riley Wealth Management since 2009. Outside of his advisory role, he owns Bastion Financial Group and is involved in managing commercial real estate through Beverly Court LLC and Drawbaugh Development LLC. B. Riley Wealth Advisors, Inc. is an SEC-registered firm managing approximately $7 billion in client assets through about 274 advisors. The firm serves individuals, high-net-worth clients, charitable organizations, corporations, and retirement plans with a range of advisory programs, financial planning, and retirement solutions.

Emily Helman is a financial advisor with Mariner Advisor Network, holding a Series 66 designation and beginning her career in 2025. She has prior experience at Lancaster General Health/Penn Medicine and Pinnacle Health System. Helman is also involved with Nurtured Wealth, LLC, through which she offers investment services. Mariner Advisor Network is an enterprise registered investment adviser that serves individuals, corporations, charitable organizations, trusts, estates, and retirement plans. The firm employs a decentralized network of advisers who provide portfolio management, financial planning, consulting, and access to a variety of investment strategies and platforms.

Benjamin Hubler is a financial advisor with First Heartland Consultants, Inc. He holds a Series 66 designation and has four years of industry experience. Prior to joining First Heartland Consultants in 2021, he worked at The Loft and has been associated with Erickson Financial since 2020. First Heartland Consultants serves a diverse client base, including individual investors, employer-sponsored retirement plans, charitable organizations, and corporate entities. The firm provides financial planning, model-based management for 401(k) accounts, and both non-wrap and wrap asset management through a network of independent investment adviser representatives.

David Erickson is a CFP® professional with 33 years of industry experience, currently serving at First Heartland Consultants, Inc. in Chambersburg, PA. He has been with First Heartland Capital Inc. since 2002. Outside of his advisory role, Erickson is a privately contracted musician who plays piano and organ and also assists select clients with tax return preparation. First Heartland Consultants provides advisory services to a diverse client base including individual investors, retirement plan participants, charitable organizations, and corporate entities. The firm offers financial planning, model-based management for self-directed 401(k) accounts, asset management, and third-party asset management solutions delivered through a network of independent investment adviser representatives.

John Hose II is a Series 66-credentialed advisor with 14 years of industry experience. He has been with Madison Avenue Securities, LLC since 2011 and is also president and owner of Life Financial, a business focused on life and health insurance and annuities. Outside of his advisory roles, he serves as treasurer for Ravens Roost #7, a nonprofit that awards scholarships and donates to local charities including Special Olympics. Madison Avenue Securities, LLC provides investment advisory and related services to individuals, charitable institutions, foundations, trusts, and employer-sponsored retirement plans. The firm manages approximately $2.0 billion in assets and offers a range of portfolio management, financial planning, pension consulting, and college-savings services through a variety of account platforms and investment approaches.

Luke Becker is a financial advisor with PNC Wealth Management in Hagerstown, MD, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked at PNC since 2014 in various roles including PNC Investments and PNC Bank. Outside of finance, Becker serves as a wrestling official for the Washington County Wrestling Official Association. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and third-party strategists to manage portfolios primarily through mutual funds and ETFs.

Scott Toms is a financial advisor at CWM, LLC with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera Advisor Networks, Carson Wealth, Linsco Private Ledger Corp, and Cornerstone Wealth Management Group. Outside of his advisory role, he is an insurance agent selling life, annuities, and long-term care products and co-owns a property used to house a business. CWM, LLC serves a diverse client base including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, sub-advisory services, and variable insurance sub-account management, utilizing a combination of in-house models, third-party sub-advisors, and technology partners to implement discretionary portfolio management.

Chase Polly is a financial advisor with Lincoln Investment, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has worked at Horace Mann Investors, Inc., First Choice Insurance & Financial Services, Capital Analysts, and Lincoln Investment. Outside of his advisory role, Polly serves as treasurer for Boots and Branches Nature School LLC, assisting with financial and business management. Lincoln Investment is an SEC-registered investment adviser and broker-dealer managing approximately $18.9 billion in assets with a network of nearly 900 advisors. The firm serves individuals, employers, retirement plan participants, charitable organizations, and corporations, offering a range of advisory and brokerage services that include custom and model portfolios, third-party manager access, and retirement plan advice.

Dwayne Horst is a financial advisor with Truist Advisory Services, holding a Series 66 designation and 20 years of industry experience. He has worked at Truist Advisory Services and related entities since 2015, including Bb&T Securities. 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.

Ashley Sowers is a financial advisor with CWM, LLC, holding Series 63 and Series 65 licenses and 22 years of industry experience. Her career includes roles at Carson Wealth, Cetera Advisor Networks, First Command, and M&T Bank. Outside of her advisory work, she is a co-leader of a Girl Scout troop. CWM serves a diverse client base including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, and sub-advisory services, utilizing a combination of in-house models, third-party sub-advisors, and technology partners for portfolio management.

Shane Heizer is a financial advisor with CWM, LLC in Hagerstown, MD, holding a Series 65 credential and five years of industry experience. His prior roles include positions at Carson Wealth and Middletown Valley Bank. He serves as a board member for the United Way of Washington County, MD. CWM serves a diverse client base including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, and sub-advisory services, using a combination of in-house models, third-party sub-advisors, and technology partners to implement discretionary portfolio management.

Richard Tardosky is a financial advisor at Capital Analysts with 32 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Lincoln Investment since 2017. Prior to that, he was with Legend Advisory Corporation and Legend Equities Corporation. Outside of his advisory role, he owns Tardosky Agency, LLC, a marketing business. Capital Analysts serves a diverse client base including individuals, high-net-worth clients, charitable and corporate organizations, retirement plans, trust companies, and institutional clients. The firm combines model portfolios developed by an in-house Investment Management & Research team with advisor consulting and custom solutions, managing approximately $8.9 billion in advisory assets as of December 31, 2024.

Bryce Diller is a financial advisor at Lincoln Investment with one year of industry experience. He holds a Series 66 designation and has worked at Lincoln Investment since 2024. Outside of his advisory role, he serves as a security officer at WellSpan Chambersburg Hospital. Lincoln Investment is an SEC-registered investment adviser and broker-dealer managing approximately $18.9 billion in assets. The firm serves a diverse client base including individuals, employers, charitable organizations, and trust companies, offering a combination of advisor-managed portfolios, third-party strategies, and financial planning services.

John Saunders II is a financial advisor with CWM, LLC in Johnson City, TN, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. His career includes roles at Carson Wealth, Cetera Advisor Networks, and LPL Financial, among others. Outside of advising, he serves as treasurer for a homeowners association and is involved in life insurance sales and farmland rental activities. CWM, LLC serves a diverse client base including individuals, high-net-worth families, corporations, endowments, and institutional sponsors. The firm offers asset management, financial planning, retirement plan consulting, and sub-advisory services, utilizing a combination of in-house models, third-party sub-advisors, and technology partners to implement discretionary portfolio management.