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. He has worked at firms including Edward Jones and Orrstown Bank, where he also serves in an administrative role with Orrstown Financial Advisors. Outside of his advisory work, Barling is a finance committee member for Corpus Christi Catholic Church. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and unaffiliated investment managers.

Jill Mumaw is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. She previously worked at M&T Securities, Inc. for 18 years before joining LPL Financial in 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Tiffany Frederick is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She previously worked at M&T Securities, Inc. for eight years before joining LPL Financial in 2021. Outside her advisory role, she is involved as a business owner of T&T F Investments LLC in Big Pool, MD, and Greencastle, PA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, model portfolios, third-party asset management, and institutional platforms, with a combination of discretionary and non-discretionary investment strategies.

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.

Betty Hawbaker is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Equitable Advisors since 2005 and was concurrently affiliated with Axa Advisors, LLC from 2005 to 2020. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s approach involves assessing client information and risk tolerance to match clients with appropriate program models or discretionary managers, utilizing both proprietary and third-party investment solutions.

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 and its predecessor entities 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. The firm offers a wide range of services including financial planning, model portfolio programs, and access to third-party asset managers.

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.

Rebekah Crouse is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2006 and holds Series 7 and 66 FINRA registrations, as well as life and health and long-term care insurance licenses. Rebekah is a qualified Portfolio Advisor who provides clients with investment guidance, including recommending individual or combined strategies, funds, or portfolios from Merrill or approved third-party managers. She specializes in a customized financial experience tailored to clients' unique goals and risk tolerance. Her areas of focus include college education planning, divorce transition planning, equity compensation services, legacy planning, LGBT wealth planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, and retirement income. Rebekah works closely with individuals, families, and business owners to help them shape their financial plans in alignment with their lifestyle choices. Rebekah earned a bachelor's degree in business administration and finance from Shippensburg University of Pennsylvania. She also holds the Personal Investment Advisor (PIA) professional designation. Outside of her professional role, she is involved with Shalom Christian Academy. Rebekah enjoys cooking, reading, running, soccer, and spending time with her family.

Gary Guell is a financial advisor at LPL Enterprise with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Pruco Securities, LLC and Prudential Insurance Company of America. He is involved in servicing existing clients of Pan American Life related to non-variable insurance commission trails. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, corporations, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, while also facilitating insurance product sales through affiliated entities.

Larry Wright is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2004. Outside of his advisory role, he works as a truck driver for Well Span Health. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting discretionary and non-discretionary strategies across diverse program structures.

Daniel Baer is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera since 2017. He also serves as a board member of the Greater Chambersburg Chamber Foundation, which focuses on charitable and educational purposes, and is involved in trust and estate administration for ACNB Bank. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including 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 multi-manager platform, supporting various program structures and custodial relationships.

Matthew Berger is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, Berger serves as vice president of a community outreach organization, maintains a community center, and is a board member for the Waynesboro Country Club and the Antietam Humane Society. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, retirement services, and access to third-party money managers.

John Heeter is a CFP® and holds a Series 66 license, with eight years of industry experience. He has worked at Edward Jones since 2018 and previously served six years in the US Navy. Edward Jones is a full-service wealth management firm serving a broad client base that includes 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 affiliated mutual funds, operating under a fiduciary standard.

Benjamin Lefever is a financial advisor with Cetera, holding a Series 66 credential and over 20 years of industry experience. He has worked at Cetera and its affiliated entities since 2013 and has been associated with Orrstown Bank since 2006. Outside of his advisory role, Lefever serves as a committee member for the Edwin D Martin & Judith M Martin Private Foundation and holds board positions with the Cumberland Valley School of Music and Mercy House of Chambersburg. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through multiple program platforms and a multi-manager approach.

Robert Allison is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory services, he has been involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm’s approach includes curating third-party asset managers and using a tiered wrap fee structure.