Derek Nowak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2007 as a summer intern and has since developed his expertise across various facets of personal finance. Derek's professional designations include Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He leverages his experience to assist clients with areas such as college education planning, corporate benefits, family wealth management strategies, retirement income, and portfolio management services. Derek graduated from Franklin and Marshall College with a major in business and a minor in economics and earned his MBA from Pennsylvania State University. He is a member of several professional organizations including the Financial Planning Association of Central PA, Historic St. Mary's Church in Lancaster, PA, Lancaster Science Factory, and Pennsylvania Dutch Council, Boy Scouts of America. His community involvement includes a decade-long commitment to the board of the Lancaster Science Factory, volunteering as a DAT captain with the Red Cross, serving as Cubmaster for the local Cub Scouts pack, and supporting his children's sporting activities. Originally from Lancaster, PA, Derek has a strong connection to his community and balances his professional career with personal interests like camping, running, and swimming. He is married to his high school sweetheart and together they have four children.

Taylor Skelly is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Wealth Management and Morgan Stanley Private Bank since 2016. Prior to his advisory roles, he was associated with SIOR and attended Franklin and Marshall College. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Wendy Livingston is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has worked at firms including LPL Financial, Peoplesbank, and currently serves at Cetera and Orrstown Bank dba Orrstown Financial Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets across more than 10,000 advisors.

Eric Graupensperger is a financial advisor with MassMutual Investors Services who holds Series 63 and Series 65 licenses and has 17 years of industry experience. He has worked at MML Investors Services since 2018 and previously held positions at Lombard Securities and IFS Securities. He is also licensed as a life and health insurance agent. MassMutual Investors Services, a subsidiary of MassMutual, serves individuals, business owners, trusts, estates, charitable organizations, and employers by providing financial planning, asset management, and educational seminars. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers event-driven planning services such as estate-settlement and divorce planning.

Erik Montalvo is a financial advisor at Charles Schwab with 13 years of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley Private Bank, Morgan Stanley, and M&T Bank. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary portfolios and features a centralized operational structure that supports a high client coverage ratio per advisor.

Kyle O'Donnell is a financial advisor at Raymond James Financial with one year of industry experience. Before joining Raymond James, he worked at Becton Dickinson and Cintas. He is also an associate at Integrity Wealth Strategies, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, using tailored, non-discretionary planning and analytical tools to support client goals.

R Rowland is a financial advisor at Cetera with 24 years of industry experience. He holds the CFP® and Series 66 designations. Prior to joining Cetera in 2025, he worked at Avantax and 1ST Global Advisors and maintains a CPA practice. He is also the owner of Rowland Financial LLC, providing financial services to clients. Cetera Investment Advisers LLC serves a nationwide network of independent advisors and offers a range of portfolio management, financial planning, and retirement services to individuals, employer-sponsored plans, corporate, charitable, and institutional clients. The firm operates a multi-manager platform with various program options and reported over $256 billion in assets under management.

Cheryl Hartman is a financial advisor at Morgan Stanley with 8 years of industry experience. She holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations and Secular Return Estimates as part of its financial planning process.

Vyotta Hawk is a financial advisor with Ameriprise in York, PA, holding a Series 66 designation and 11 years of industry experience. She has been with Ameriprise and its affiliated entities since 2007. Outside of her primary role, she is involved with LPPO, LLC as a financial advisor and investment manager. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations through a centralized consulting team.

Timothy Sutherland is a CFP® professional with 22 years of industry experience, currently advising with Cambridge Investment Research Advisors since 2014. He is also the owner and manager of Harvest Rock Advisors, LLC, where he provides royalty administration and management services related to oil and gas leases. Additionally, he serves as a director on the North Beach Condominium Association Board of Directors. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of portfolio management and model-based strategies.

William Waters is a financial advisor with LPL Financial in Lancaster, PA, holding the CFP® and Series 63 designations and bringing 34 years of industry experience. Prior to joining LPL Financial in 2018, he was with INVEST Financial Corporation for four years and has also been involved in tax preparation and accounting as president of MMW, Inc. since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning and asset management solutions.

Michael Washburn is a financial advisor with Morgan Stanley in York, PA, holding a Series 66 designation and 17 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank since 2015. Outside of his advisory role, he serves as a Planning Commission Member for Lower Allen Township. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services that include both direct client plans and Corporate Financial Planning agreements.

Denny Breneman is a ChFC® and holds a Series 66 license, working with LPL Financial in Red Lion, PA. He has 23 years of industry experience, including 15 years at M&T Securities and two years at Equitable Advisors. Breneman has been with LPL Financial since 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing various portfolio strategies supported by advanced research and operational tools.

Michael Stein is a financial advisor at Ameriprise with 16 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 14 years before joining Ameriprise. Outside of his advisory role, he owns and manages Fortiplan LLC, a business related to his Ameriprise activities. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets and offers a range of advisory, brokerage, and insurance solutions through its affiliated companies. The firm’s retirement-income approach includes algorithm-driven recommendations reviewed by a specialized consulting team and emphasizes tax-smart withdrawal strategies and asset management within Ameriprise accounts.

Elizabeth Wolf is a CFP®-credentialed financial advisor with 40 years of industry experience, currently with Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she serves as trustee of her late father's testamentary trust and executor of her aunt's estate. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering investment policy development, performance reporting, participant education, and discretionary investment management. The firm’s approach is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Neil Crowell is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at Voya Financial Advisors and operating DSF Wealth Management Group, a firm through which he provides insurance and financial services. He is also an independent insurance agent and owns East York Financial LLC. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to third-party money managers and varied program structures.

Aaron Gingrich is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. He previously worked at RBC Capital Markets for 11 years before joining LPL Financial in 2023. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advanced research and operational tools.

Peter Billis is a financial advisor with Cetera, holding Series 63 and Series 66 designations and bringing 29 years of industry experience. He has worked at Cetera and affiliated firms since 2017, with prior experience at LPL Financial and Santander Securities, among others. Outside of his advisory role, he is involved in owning rental properties. Cetera Investment Advisers LLC is an SEC-registered advisory firm that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account structures.

Sheri Gray is a financial advisor with Morgan Stanley in York, PA, holding a Series 63 designation and 19 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and has a longer tenure at Citigroup Global Markets dating back to 1986. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and modeled outcome scenarios. The firm manages approximately $2.74 trillion in client assets and provides planning services primarily in an advisory capacity.

Sheila Stotler is a financial advisor with MassMutual Investors Services in Lancaster, PA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She previously worked at Brinker Capital Securities, Inc. for 21 years before joining MassMutual in 2021. Outside of her advisory role, she serves as an executor of an estate and works as a structured settlement insurance agent. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, and charitable organizations. The firm offers financial planning, asset management, and educational seminars, using firm-approved software tools to support collaborative, annual planning engagements.