Lori Gontz is a financial advisor at Primerica Advisors with 11 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at Primerica Advisors since 2019, following prior roles at PFS Investments Inc. and Primerica Financial Services. Outside of her advisory work, she has been involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Robert Russoli is a financial advisor with Cetera who holds Series 63 and Series 66 credentials and has 22 years of industry experience. His prior roles include positions at Wheatland Advisors, Inc. and Orrstown Bank, where he continues to manage the trust department and supervise advisors. Outside of his advisory work, Russoli serves as a board member of the Harrisburg Masonic Temple and as a trustee for the Harrisburg-Snyder Lodge #629. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform serving a wide range of clients, including individuals, retirement plans, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of independent advisors.

Suzanne Hayes is a financial advisor at Merrill with Series 63 and Series 65 credentials and 51 years of industry experience. She has worked with Merrill since 2006 and Bank of America since 2009. Outside of her advisory work, she owns a farm business and serves on the Washington County Agricultural Land Preservation Advisory Board in Maryland. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Alex Bacay is a financial advisor at Ameriprise with 21 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Cuso Financial Services, LP for 16 years. Outside of advising, he serves on the Finance Council of Corpus Christi Catholic Church in Chambersburg, PA. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver annual, customized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its institutional platform.

Christopher Sabatino is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has served as a Registered Representative since 2007. Outside of his advisory role, he is involved in the operation of a wellness center run by his fiancée in a commercial building he owns. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research and model portfolios from LPL and third-party providers.

Peter Llaguno is a financial advisor at Merrill with 18 years of industry experience. He holds Series 66 and Series 63 designations. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Bank, and PNC Investments. 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 investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Lori Hoffeditz is a Senior Financial Advisor with Merrill Lynch Wealth Management and a member of The Grove-Hoffeditz Group, a Wealth Management Advisory team. The team focuses on serving high net worth, multi-generational families and retirees by assisting them in managing all aspects of their financial lives. Lori's role involves providing traditional advice and guidance, as well as recommending individual or combined investment strategies, funds, or portfolios from Merrill or approved third-party managers. Lori holds a Bachelor of Science Degree in Business Administration with a concentration in Finance from Millersville University of Pennsylvania. She began her career at Merrill in 1988 as a Client Associate and has held various roles including Resident Director's Assistant before becoming a Financial Advisor in June 2015. She is a qualified Portfolio Advisor and holds the Personal Investment Advisor (PIA) designation. Lori has also contributed to peer-to-peer training as a member of the Merrill Optimal Practice Model Client Associate Faculty Alumni Team. Residing in Chambersburg with her husband and son, Lori enjoys fitness training, OCR racing, swimming, kayaking, biking, and painting. She is involved in the Chambersburg Gridiron Club.

Michael Mcguire is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on helping individuals and families develop personalized financial strategies to support their long-term goals. Michael works closely with clients to prioritize objectives, allocate resources, and establish an investment process tailored to their needs. His areas of expertise include college education planning, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, individual and corporate investment strategy, tax minimization, and retirement income. Michael combines his client-centered approach with access to Merrill Lynch’s financial resources to provide integrated support for his clients’ financial lives. Michael holds a High School Diploma from Conrad Weiser Area School District and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is involved with Kiwanis International and spends time volunteering in the community. Outside of work, Michael enjoys basketball, cooking, football, and golfing.

Jacob Barling is a financial advisor with Cetera, holding Series 65 and Series 66 credentials and five years of industry experience. His prior work includes roles at Edward Jones and Orrstown Bank, where he also serves as a financial professional in an administrative capacity. Barling participates as a finance committee member for Corpus Christi Catholic Church. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers diverse investment management and financial planning services through a multi-manager platform with access to various portfolio models, discretionary and non-discretionary account options, and multiple custodial relationships.

Jill Mumaw is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. She has worked at LPL Financial since 2021 and has been with M&T Securities, Inc. since 2003. Outside of her advisory role, she is a member of Liberty Group LLC, involving herself in tenant management for the group's rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and research support from LPL Research and third-party subadvisors.

Tiffany Frederick is a financial advisor with LPL Financial in Chambersburg, PA, holding Series 63 and Series 66 credentials and having 12 years of industry experience. She has worked at LPL Financial since 2019 and has also been affiliated with M&T SECURITIES, Inc. since 2013. Outside of her advisory work, she is the owner and member of T&T F Investments LLC, a non-investment-related business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing research and model portfolios from LPL Research and third-party subadvisors.

Weston Waytow is a financial advisor at Thrivent Investment Management with Series 63 and Series 65 designations. He has been with Thrivent since 2026 and has prior experience with the Borough of Chambersburg and Outdoor Living LLC. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing comprehensive written recommendations on various financial planning topics without implementing those recommendations. The firm emphasizes holistic, goal-based analyses and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Douglas Hess is a financial advisor with Thrivent Investment Management in Chambersburg, PA, holding a Series 66 designation and seven years of industry experience. He has worked with Thrivent Financial and Maculogix Inc. Prior to his advisory role, Hess was involved with Maculogix Inc. Outside of his advisory work, he serves on the boards of Habitat for Humanity of Franklin County and Awaken Us Ministries, and acts as Treasurer for Scott’s Mountain Camp, a recreational property cooperative. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based analyses and planning without discretionary trading authority, with clients able to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Colin Fry is a financial advisor with Cetera, holding a Series 66 credential and seven years of industry experience. He has previously worked at Merrill Lynch, Bank of America, and several regional financial firms. Outside of advising, he serves as treasurer and board member of the Coy Library of Shippensburg, where he assists with financial and property management. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers. The firm supports advisors with a range of program options and custodial relationships, managing over $256 billion in assets nationwide.

Timothy Long is a CFP® with 34 years of industry experience and is currently affiliated with Cetera. He has worked extensively at Cetera and its affiliated entities since 2025, and previously spent 30 years at Concourse Financial Group Securities Inc. He is the founder and sole owner of Cornerstone Financial, where he serves as president, and he also teaches financial planning as an adjunct professor at Shippensburg University. Additionally, he serves on the Financial Advisory Council at Shippensburg University and is a board member and corporate secretary for the Project Gros Mangles Foundation. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to third-party money managers and a variety of program structures, including both discretionary and non-discretionary portfolio management.

Betty Hawbaker is a financial advisor with Equitable Advisors in Chambersburg, PA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. She has been with Equitable Advisors since 2005 and previously worked at Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by offering financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

Kirk Crouse is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2015 and draws on his background as a former public school teacher and high school coach to educate and guide clients in pursuit of their financial goals. Kirk holds a Bachelor of Science degree in Education with a concentration in Mathematics from Shippensburg University of Pennsylvania. He maintains Series 7 and 66 FINRA registrations, as well as life and health and long-term care insurance licenses, and is designated as a Personal Investment Advisor (PIA). With over 20 years of teaching experience and 17 years coaching, Kirk applies his skills in clear communication and relationship-building to his financial advisory practice. He works closely with individuals, families, and business owners to develop customized financial strategies based on clients' goals, risk tolerance, and time horizons. Kirk specializes in areas including college education planning, family wealth management, legacy planning, retirement income, and socially responsible investing. He regularly reviews clients’ financial plans to ensure alignment with their objectives and adapts strategies as needed. Kirk resides in Chambersburg, Pennsylvania with his wife and three daughters. Outside of his professional role, he enjoys golfing, volleyball, weight training, and spending time with his family.

Randy Martin is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and having 20 years of industry experience. He has been with LPL Financial Services since 2010. LPL Financial is an SEC-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 advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing model portfolios and research from various sources.

Alyssa Proctor is a CFP® with 14 years of industry experience, currently serving at Cetera. Her prior roles include positions at BB&T Securities, MML Investors Services, and F&M Trust, where she manages client relationships in trust and investment services. Outside of her advisory work, she is involved in payroll and bookkeeping for her spouse's landscaping business and owns Pro 5 Holdings LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Lacey Houck is a CFP® professional with 11 years of experience in the financial advisory industry. She currently works at Cetera and has previously held roles at Avantax Advisory Services and Avantax Insurance Agency. Outside of her advisory work, she is associated with Ocker Financial Services LLC in a non-investment capacity. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with a broad range of investment programs.