Thomas Hall is a CFP® with 22 years of industry experience, currently serving at Morgan Stanley in State College, PA. He has held positions at Morgan Stanley Private Bank, Bank of America, and Merrill. He is also a board member of Rose Lake Investments, a private company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutions, focusing on tailored financial planning and a range of investment services. The firm manages approximately $2.74 trillion in client assets and provides planning supported by structured processes and firm-approved tools.

Thomas King is a CFP® with 28 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He is also the owner of King Financial Partners and King Wealth Strategies, LLC, firms he has led since 2012 and 2020 respectively. King occasionally serves as a broker for non-variable insurance products to maintain flexible options for his clients. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm provides tailored, non-discretionary planning and consulting, utilizing advanced analytical tools and supports a broad network of advisors and affiliated firms.

Jared Lourdon is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. His work history includes roles at MassMutual Life Insurance Company, MML Investors Services, LLC, Weinken Wealth Management, and prior positions outside the financial sector in healthcare and manufacturing. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing 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 software and event-driven planning services.

Malcolm Parks is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Cetera and related entities since 2019 and previously at Infinex Investments from 2015 to 2019. Outside of his advisory role, he serves as the secretary for the Lady Patriots girls softball team. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Lucas Craig is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 credentials. He has 11 years of industry experience, working with MassMutual since 2014. Outside of his advisory role, Craig is also a marketing employee at Kish Financial Solutions and serves as an agent there. MassMutual Investors Services, LLC is 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 asset management and educational seminars.

Bree Musser is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and three years of industry experience. Prior to joining the financial services industry, she worked for ten years at Stover's Furniture. Outside of her advisory role, she owns and operates Musser Farms Lamanchas, a dairy goat farm specializing in raising and showing dairy goats. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager services, with financial planning engagements structured as annual, collaborative relationships.

Beth Loop is a financial advisor at Merrill with 28 years of industry experience. She has been with Merrill since 2013 and holds Series 63 and Series 66 designations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Brittany Shulman is a financial advisor with Merrill in State College, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill, she worked at Agua Vivir and has been involved in hospitality as a server and bartender at Hotel State College & Company since 2015. She also owns an online health and fitness coaching business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients, utilizing model-based and discretionary strategies for a range of clients including individuals, pension plans, and charitable organizations.

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 at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2023, he worked at CNB Financial Corporation from 2019 to 2023. Outside of his advisory work, he participates with his brother in a joint eBay account selling used clothing and sports memorabilia. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Brian Guglielmi is a financial advisor at Ameriprise with 25 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at TIAA and TIAA-CREF for 17 years, as well as an earlier tenure at Ameriprise. Outside of advisory work, he is the owner of G&G Enterprises, LLC, a business involved in real estate. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service. The firm’s approach includes written recommendation reports and ongoing advice focused on income reliability and tax-aware withdrawal strategies, supported by proprietary research and algorithmic tools.

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.

Ryan Isenberger is a financial advisor at Mass Mutual Investors Services with two years of industry experience. He holds the Series 66 designation and has worked at MassMutual Life Insurance Company since 2024. Outside of finance, he is employed as a server at Allen Street Grill in State College, Pennsylvania. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser 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 using firm-approved software and delivers written recommendations across various investment strategies.

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.

Daniel Corbett is a financial advisor at Edward Jones in Burnham, PA, holding a Series 66 designation with one year of industry experience. Before joining Edward Jones in 2025, he worked in various roles including at Confer's Jewelers and Mull Information Servies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

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.