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.

Emanuel Ludwig is a financial advisor with RBC Capital Markets in Lancaster, PA, holding a Series 66 designation and 16 years of industry experience. He has worked at RBC Capital Markets since 2009 and is also affiliated with City National Bank since 2020. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored investment strategies that incorporate both in-house and third-party managers, along with integrated capital markets capabilities.

Marcos Herrera Inostroza is a financial advisor at Edward Jones with nine years of industry experience. He previously worked at Ameriprise Financial LLC and Merrill Lynch Pierce Fenner & Smith LLC. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.

William Waters is a CFP® professional with 34 years of industry experience, currently serving at LPL Financial since 2018. He previously worked at INVEST Financial Corporation and has been involved in tax preparation and accounting services through his role as president of MMW, Inc. since 2010. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by both in-house and third-party research and portfolio management strategies.

Joshua Donaldson is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. His prior roles have all been within the Wells Fargo organization. Outside of his advisory work, he serves on the finance committee at Crossway Church in Millersville, PA. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Michael Affigne Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at J.P. Morgan Securities, JPMorgan Chase Bank, and Wells Fargo Bank, as well as ownership of a steakhouse and lobster restaurant. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Jack Beasley is a financial advisor at Thrivent Investment Management with one year of industry experience. He holds a Series 66 designation and has worked at Thrivent Financial and Thrivent Investment Management since 2024. Prior to his financial services career, he was employed by the Cornwall-Lebanon School District and West Chester University. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning that can be combined with managed-account programs under a consolidated billing option called “WealthPlan,” while maintaining separate planning and portfolio management services.

Todd Martin is a CFP® with 20 years of experience in the financial services industry. He currently works at OSAIC and has prior experience with American Portfolios Financial Services Inc, Commonwealth Financial Network, and Videre Wealth Management. In addition to his advisory role, he is involved with Teacher Benefit Strategies, where he performs paraplanning and operational support tasks. OSAIC serves a diverse client base including individual, high-net-worth, pension, and corporate clients through a large network of financial advisers. The firm offers a range of investment advisory and brokerage services, utilizing asset-allocation tools and third-party solutions to manage portfolios across multiple asset classes.

John Mccoy II is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. His career includes over a decade at Securities America Advisors and Securities America, Inc., as well as running his own advisory business for 30 years prior to joining LPL Financial. He is also a commissioned notary in the state of Pennsylvania. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and institutional solutions, providing both discretionary and non-discretionary portfolio management supported by model portfolios and research.

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.

Michael Dieter is a financial advisor with LPL Financial in Lancaster, PA, holding a Series 66 designation and 23 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and Metlife Securities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing research from LPL and third-party subadvisors to support diversified investment strategies.

Peyton Reider is a financial advisor at Ameriprise with three years of industry experience. He holds the Series 66 credential and previously worked at Equitable Advisors. Outside of finance, he has experience in the restaurant industry and has been involved with C&S Towing and Recovery since 2016. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Jason Olsen is a financial advisor with LPL Financial holding a Series 66 designation and beginning his advisory career in 2024. His prior experience includes roles at WellSpan and NewDay USA, as well as work in the restaurant industry. He is currently associated with Gabriella Italian Restaurant in addition to his advisory role. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning services, and utilizes proprietary and third-party research to support diverse investment strategies.

Patrice Hoenninger is a CFP® certificant with 26 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. since 2009. Hoenninger is also associated with Fulton bank and works as a financial advisor with Fulton Financial Advisors in Lancaster, PA. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual and institutional clients, using risk profiling and analytical tools for tailored, non-discretionary advice. The firm supports a broad advisor network and has unique affiliations in municipal advisory and specialized retirement plan consulting.

Tina Nicely is a Series 66-licensed financial advisor at Edward Jones in Mountville, PA, with three years of industry experience. She previously worked at Bank of America/Merrill for five years and has held roles outside financial services, including positions at Arizona Refrigeration Service Inc and Lularoe. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and tax-efficient solutions.

Christopher Ecker is a financial advisor at LPL Financial with one year of industry experience. He holds the Series 66 designation and previously worked for Prosper Mortgage Funding for 13 years. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from various sources.

David Bender is a financial advisor at Primerica Advisors with seven years of industry experience. He holds Series 63 and Series 65 licenses and has been with Primerica since 2018. Outside of his advisory role, he is involved in sales of loan products and home-related services through affiliates of Primerica. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and separately managed account options to individual and high-net-worth clients, structured as a wrap-fee solution rather than institutional plan management.

Robert Balasavage is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Marie Martin is a financial advisor with Raymond James Financial in Lancaster, PA, holding Series 63 and Series 65 licenses and 31 years of industry experience. She has been with Raymond James Financial since 2009 and also has a background with Fulton Bank and Fulton Financial Corporation. Outside of her advisory role, she is involved with Four Valleys Transport LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and utilizes analytical tools to support client goals, with a notable affiliation supporting municipal and public-finance work uncommon among large institutional advisors.

James Spanos is a Wealth Management Advisor with Merrill Lynch Wealth Management in Lancaster, PA, where he has been practicing since 2015. He focuses on developing financial strategies tailored for high-net-worth individuals and their families, emphasizing the importance of aligning investment decisions with clients’ life priorities and meaningful goals. His areas of expertise include executive compensation, equity compensation services, family wealth management, legacy planning, retirement income, tax minimization, and portfolio management services. James holds a Bachelor of Arts degree in finance and personal financial planning from Shippensburg University. He maintains series 7 and 66 FINRA registrations and is a certified Life, Health, Accident, and Annuities Insurance Producer. Additionally, he holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Personal Investment Advisor (PIA) designations. James is actively involved in the local community through organizations such as Civitas and supports charitable causes including Relay for Life, Special Olympics, and the Vs. Cancer Foundation. Outside of his professional role, James participates in activities such as golfing, spending time with his family, and crossfit training. He lives in Lancaster with his wife, Samantha, their three children, and their dog.