Scott Clark is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and over 34 years of industry experience. He has worked with firms including M&T Securities and Cetera, and currently serves as Vice President and Trust Officer at Citizens & Northern Bank. Outside of his advisory roles, he is a business owner of Coppersmith Valley, LLC. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios, third-party subadvisors, and proprietary research to support various investment strategies.

Brian Tevlin is a CFP® with 27 years of industry experience, currently advising at LPL Financial since 2023. He previously worked at Cetera and Cetera Investment Services LLC for over a decade and has been with Citizens And Northern Bank since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and model portfolios.

Jeffrey Richardson II is a financial advisor with LPL Financial, holding Series 66 and Series 63 credentials and one year of industry experience. Prior to joining LPL Financial, he worked at Citizens & Northern Bank for five years and has experience with U.S. Bancorp Investments, U.S. Bank, and Sprint. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by internal and third-party research.

Edward Penner III is a financial advisor with LPL Financial, holding a Series 66 credential and nine years of industry experience. He previously worked at Cetera Investment Advisors and Cetera Investment Services for seven years and has served as a Trust Officer at Citizens & Northern Bank since 2016. In addition to his advisory role, he is involved in selling whole life, term, and long-term care insurance through Mass Mutual. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management alongside access to research and model portfolios.