Justin Rzucidlo is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked at several firms including Concourse Financial Group Securities Inc and Vision Financial Services. In addition to his advisory role, he serves as chapter president of a nonprofit organization, Referral Partners Plus, and is a member of the Pennsylvania Army National Guard. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers across various program structures.

Shannon Gorham is a financial advisor at Raymond James Financial with a Series 66 designation and two years of industry experience. Prior to this role, Gorham worked at Fulton Financial Advisors and has been involved with Folk Financial, LLC, a non-investment related support company. 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. The firm offers tailored, non-discretionary advice using analytical tools and supports its recommendations through various advisory programs.

James Ritchey is a financial advisor with LPL Financial in Lancaster, PA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Cambridge Investment Research Advisors Inc. and Cambridge Investment Research Inc. from 2012 to 2018. He is also involved with LTC Planning Plus, a long-term care planning business. LPL Financial is a 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

David Wiener is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He is also involved in Smoker Wealth Management LLC and Smoker & Company LLC, the latter providing tax preparation and tax services. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving a broad client base, including individuals, 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 extensive assets under management and a network of over 10,000 advisors.

Ronald Sultzbach is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2018 and previously spent six years with SSN Advisory, Inc. and Securities Service Network. Outside of his advisory work, he organizes and coaches a free youth football camp. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of discretionary and non-discretionary investment solutions across multiple platforms.

Christopher Eccles is a financial advisor at Thrivent Investment Management in Lancaster, PA, with three years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America, Merrill, The Vanguard Group, and operated his own business prior to joining Thrivent. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based analyses and written recommendations on a variety of financial planning topics without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option while keeping the services separate.

Evan King is a financial advisor with Morgan Stanley in Lancaster, PA, holding a Series 66 designation and eight years of industry experience. His career includes roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2022, as well as previous experience with Bank of America, Merrill, CJD Group, and Millersville University. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jonell Walker is a financial advisor at LPL Financial with 11 years of industry experience and holds a Series 66 designation. Prior to joining LPL Financial, Walker held positions at Wells Fargo Clearing, Janney Montgomery Scott, and Smoker and Company LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Eric Groff is a CFP® and ChFC® with 34 years of experience in the financial services industry. He is currently affiliated with Cetera and has prior experience at Concourse Financial Group Securities Inc and Everence Trust Company. Outside of his advisory work, he occasionally sells handcrafted woodworking items. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors. The firm operates a multi-manager platform that provides access to affiliated and third-party managers and various program structures.

Nicholas Downey is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1997 while also working at Bank of America since 2011. Outside of his advisory role, he volunteers with the Rotary Club of Lancaster, a nonprofit international service organization. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

John Mc Coy is a financial advisor with LPL Financial in Lancaster, PA, holding Series 65 and Series 63 licenses and nine years of industry experience. Prior to joining LPL Financial in 2020, he worked at Securities America Advisors and Securities America, Inc. from 2018 to 2020, and at Phoenix Contact from 2016 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Marcy Leprell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She previously worked at Janney Montgomery Scott for nine years and has been a consultant for Norwex since 2018. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and integrates research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Alexis Lucas is a financial advisor at LPL Financial with two years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and Santander Bank. Alexis is also a commissioned notary in Pennsylvania. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Catherine Beitzel is a financial advisor at Merrill with 42 years of industry experience. She holds Series 63 and Series 65 designations and has been with Merrill since 1982. Outside of her advisory role, she serves as Secretary for the Council at Zion Lutheran Church in Leola, PA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for a range of individuals and institutions.

Jennifer Swetland is a CFP®-designated financial advisor with Morgan Stanley in Lancaster, PA, bringing five years of industry experience. She has held positions at City National Bank and RBC Capital Markets prior to joining Morgan Stanley in 2025. Swetland serves on the board of directors for Penn Square Opera, a local nonprofit focused on musical performance arts. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to both individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and modeling tools, serving clients primarily in an advisory capacity.

Rebecca Boston is a financial advisor at Edward Jones in Lancaster, PA, holding CFP® and Series 66 designations with 17 years of industry experience. She has been with Edward Jones since 2009. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

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.

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.

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.