Adam Duff is a financial advisor with Mass Mutual Investors Services in State College, PA. He holds Series 63 and Series 65 credentials and has 23 years of industry experience. Duff has been with MML Investors Services and Mass Mutual Financial Group since 2004. Outside of his advisory role, he works as an insurance agent for individual and group life and health products as well as fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and offers a range of programs including educational seminars and specialized planning services.

Matthew Shetler is the Senior Resident Director of the Merrill Lynch State College Office, where he serves in a dual role as both a financial advisor and a leader. He leads the DRSMK Wealth Management Group, which manages and coordinates the financial affairs of a select group of families, executives, business owners, companies, and individuals across 44 states. His work focuses on adding clarity and simplification to clients' financial lives and guiding them through various aspects of financial well-being with a team approach. He has been in the financial services industry since 2006 and rejoined Merrill Lynch Wealth Management in 2013. Prior to that, he worked in the Private Bank at Credit Suisse in New York City, advising and trading client portfolios, including domestic and international equities and listed options. Matthew is a graduate of Pennsylvania State University with a Bachelor's degree and holds several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Matthew is an active member of the community, sitting on various committees and serving as a board member of the Centre Region Estate Planning Council. He is also involved with the Tides Program. He lives in the State College area with his wife Lauren and their three children, Sloane, Benjamin, and Vivian.

Christopher Bahr is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and with 34 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2008. Bahr is also active as an independent insurance agent with Athlon Advisors and operates under the DBA Athlon Wealth Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management approaches and platform arrangements tailored to client objectives.

Garrett Hryn is a financial advisor with Merrill, holding a Series 66 designation and two years of industry experience. He previously worked at CNB Financial Corporation for four years and was a full-time student prior to his financial services career. Outside of advising, he participates with his brother in a joint eBay account selling used clothing and sports memorabilia. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, and various institutional investors.

Brian Guglielmi is a financial advisor with Ameriprise in State College, PA, holding Series 66 and Series 63 credentials and bringing 25 years of industry experience. Prior to joining Ameriprise in 2023, he worked at TIAA and TIAA-CREF for 17 years. He is also the owner of G&G Enterprises, LLC, a real estate business. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice.

Terry Varner is a financial advisor with Mass Mutual Investors Services in State College, PA, holding a Series 63 designation and 43 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 1997. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools, along with specialized programs including estate-settlement, employer-sponsored planning, and a standalone Divorce Planning service.

Chris Hosterman is a financial advisor with Mass Mutual Investors Services in State College, PA, holding Series 63 and Series 66 designations and possessing 21 years of industry experience. He has been with MML Investors Services, Inc. and Mass Mutual Financial Group since 2004. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and structured, collaborative planning engagements.

Cynthia Karcher is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over four decades of experience since beginning her career in 1977. She serves as a Portfolio Manager, providing discretionary management of personalized strategies that incorporate individual securities, Merrill model portfolios, and third-party investment solutions. Leveraging the Total Merrill Platform and a disciplined Wealth Management Process, Cynthia offers tailored strategic recommendations to address clients’ diverse and complex financial needs. Cynthia holds a Bachelor of Arts degree in Economics, cum laude, from Dickinson College, where she was recognized as an Anthony Math Scholar and a Dana Scholar. She has completed coursework through the Wharton School of the University of Pennsylvania and maintains multiple FINRA registrations, including Series 3, 7, 8, 63, and 65. Cynthia also holds the Chartered Retirement Planning Counselor® (CRPC®) designation. Her areas of focus include portfolio management, retirement planning, college education planning, family wealth management strategies, and investment consulting for defined contribution plans, among others. In addition to her professional responsibilities, Cynthia has actively contributed to community organizations. She has served on the Board of Trustees of Garvey Manor Our Lady of the Alleghenies and as an Advisory Board member for Catholic Charities in the Diocese of Altoona-Johnstown. Cynthia resides in Hollidaysburg, Pennsylvania, with her family and engages in personal interests such as antiquing, biking, gardening, skiing, swimming, tennis, traveling, and spending time with her husband and their three children.

Scott Mc Kee is a financial advisor with Edward Jones in Bellefonte, PA, holding Series 63 and Series 66 licenses and having 32 years of industry experience. He has been with Edward D. Jones & Co., L.P. since 1993. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory programs and investment options. The firm operates under a fiduciary standard and is notable for its extensive network of advisors and branch offices as well as its affiliated capabilities, including a trust company and proprietary mutual funds.

Curtis Ishler is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. He holds the Series 66 designation and has worked at Wells Fargo Clearing Services, LLC since 2021, following six years at Morgan Stanley Private Bank, National Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kathryn Shoaf is a financial advisor at Morgan Stanley with six years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning and estate planning strategies, and manages approximately $2.74 trillion in client assets.

Ronald Leynes is a financial advisor with Primerica Advisors in State College, PA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Primerica Advisors since 1992 and with Primerica Financial Services since 1990. In addition to his advisory role, he is involved in the sale of home-related products and services through affiliated Primerica companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of discretionary separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap-fee structure, focusing on curated investment models rather than institutional pension or profit-sharing plan management.

Travis Guthrie is a financial advisor at Edward Jones with one year of industry experience. Prior to joining Edward Jones, he worked at Anne Arundel County Public Schools and Educational Testing Service. He holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Michael Weaverling is a financial advisor with Mass Mutual Investors Services in State College, PA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1996. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements using firm-approved tools and also features specialized programs including divorce planning, estate settlement, and employer-sponsored planning.

Nina Cowart is a Senior Financial Advisor at Merrill Lynch Wealth Management with 27 years of comprehensive experience in the retirement plan industry. She began her career working for a small third-party administrator where she spent 17 years developing expertise in qualified plan compliance from a back office perspective. Prior to joining Merrill Lynch, Nina served as a Retirement Plan Advisor for Empower Retirement, focusing on the Pennsylvania State Employees Retirement System 457(b) Deferred Compensation Plan. In this role, she educated and counseled participants across state agencies. Nina's extensive background allows her to effectively bridge communication among participants, plan sponsors, record keepers, and third-party administrators, serving as a trusted liaison to ensure the seamless operation of retirement plans. In addition to retirement plans, she works directly with individual clients, offering personalized guidance to assist them in achieving their financial goals. She holds a bachelor's degree in Accounting and Actuarial Studies from Thiel College and professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Nina is a member of the American Association of University Women (AAUW). Outside of her professional life, Nina enjoys crafting, traveling, gardening, antiquing, yoga, and spending time with her husband Devlon and their two children in the Lock Haven area.

Chad Hunter is a financial advisor at Edward Jones in State College, PA, holding a Series 66 designation with four years of industry experience. Prior to joining Edward Jones in 2021, he worked at Panda Express for ten years and has owned Chunter Investments LLC, a real estate investing business, since 2019. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment options, managing approximately $1.01 trillion in assets through a large nationwide network of financial advisors and branch offices.

Laura King is a financial advisor with Raymond James Financial Services Advisors Inc. in State College, PA, holding a Series 66 designation and 10 years of industry experience. She has worked with Raymond James since 2012 and also operates King Wealth Strategies. Outside of her advisory role, she serves as an operations manager at King Financial Partners. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored plans and advisory support rather than discretionary management.

Ryan Mostyn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Ryan earned a Bachelor of Science degree in Business Marketing from Indiana University of Pennsylvania, where he also played baseball and was named the 2009 IUP Student-Athlete of the Year. His areas of expertise include executive compensation, family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, tax minimization, and retirement income. He applies his understanding of financial markets to develop risk-managed strategies tailored to each client's goals. Outside of his professional career, Ryan is an avid outdoorsman who enjoys baseball, fishing, football, golfing, hunting, and softball. He is involved with Little League International and dedicates time to youth sports and supporting community causes. Ryan lives in Spring Mills with his wife, Jayde, and their three sons.

Erica Kainuma is a financial advisor at Morgan Stanley in State College, PA, holding Series 66 and Series 63 licenses with six years of industry experience. Her prior roles include positions at TD Ameritrade, Bekk Consulting LLC, and T. Rowe Price. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning arrangements.

Christopher Botamer is the principal and sole advisor at Botamer Financial, an independent registered investment adviser located in State College, PA. He holds the CFP® designation and Series 63 license and has 37 years of industry experience. Botamer Financial has operated since 2005, serving individual clients with portfolio management and advisory services. Botamer Financial manages approximately $1.5 million in assets across 16 client relationships, primarily on a non-discretionary basis. The firm emphasizes direct client involvement and individualized decision-making rather than delegated trading authority.