Erica Hower is a financial advisor with OSAIC in Wyomissing, PA, holding Series 63 and Series 65 designations and 14 years of industry experience. She has been with Royal Alliance since 2014. Outside of her advisory role, Erica operates Butterworth Financial Services, providing life insurance and fixed rate annuities, and also serves as a notary. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and diversified portfolios that include stocks, bonds, options, and alternative investments.

Raymond Butterworth is a financial advisor at OSAIC with 39 years of industry experience. He holds the ChFC® and Series 63 designations. In addition to his advisory roles since 2004, he has operated the Law Offices of Raymond Butterworth since 1993, providing estate planning and tax preparation services. He also serves as a trustee for the Cecelia Butterworth Revocable Living Trust. OSAIC Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, utilizing asset allocation tools and third-party managers to construct diversified portfolios with various investment options.