David Guyer is a financial advisor at Hornor, Townsend & Kent, LLC with six years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Cetera Advisor Networks and Partners Financial Group. Outside of his advisory role, he has served as a probation officer for Northumberland County Juvenile Court since 1995. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, providing advisory services through third-party asset manager platforms, financial planning, and consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

Richard Wible is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 65 credentials. He has 27 years of industry experience and has been with United Planners since 2005. Outside of his advisory work, he is the owner of a retail cigar business and serves as a director on the Lewisburg Sunset Community Foundation board. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, and institutions. The firm supports independent advisors through a combination of custodians, third-party managers, and platform programs, with a notable emphasis on non-discretionary account management.

James Mccann is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at Principal Life Insurance Company and Principal Securities, Inc. since 2016 and 2018, respectively. Mccann serves as board chair and finance committee member for Central Susquehanna Sight Services and is an advisory board member of the Community Giving Foundation, a local organization that distributes grants to nonprofit social service agencies. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

James Richmond is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 license and bringing 32 years of industry experience. He has worked with Penn Mutual Life Insurance Company and Hornor Townsend & Kent since 2016. Richmond serves on the finance committee of the Greater Susquehanna Valley United Way and is a board member for the Snyder Agency on Aging, a nonprofit providing health and welfare benefits to senior citizens. He also operates an estate consulting practice and is involved in life and disability insurance brokerage under the name 1847 Financial. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory programs, financial planning, and retirement plan consulting. The firm combines advisory and broker-dealer services, supporting tailored investment strategies through a network of advisers and third-party asset managers.

Michael Miller is a financial advisor at Janney Montgomery Scott with five years of industry experience. He holds the Series 66 designation and has worked at Janney since 2017. Prior to joining Janney, he was employed at Surplus Outlet for four years. Janney Montgomery Scott LLC is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse range of clients, including individuals, families, trusts, corporate sponsors, and charitable organizations, offering brokerage, financial planning, consulting, and advisory programs.

David Betz is a financial advisor with Janney Montgomery Scott, holding a Series 63 designation and over 32 years of industry experience. He has been with Janney Montgomery Scott since 1993. Betz serves as a board member of the Danville Community Foundation, where he participates in grant decisions to nonprofit organizations. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad client base with brokerage services, financial planning, consulting, and various advisory programs, offering both in-house and third-party portfolio management.

Craig Ulrich is a financial advisor with GWN Securities Inc. in Bloomsburg, PA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with GWN Securities since 2011. Outside of his advisory role, he works with fixed annuities and various insurance products. GWN Securities provides investment advisory services to individual and corporate clients through multiple managed account programs and financial planning offerings. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes both traditional asset allocation methods and tactical strategies.

Jeffrey Crossland is a financial advisor with Commonwealth Financial Network based in Lewisburg, PA, holding a Series 63 credential and over 34 years of industry experience. He has led The Crossland Group since 1999 and also maintains a legal career as an attorney and part-time assistant district attorney. In addition to his advisory work, he provides tax preparation services through The Crossland Group. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients by offering a range of advisory programs and back-office support, including investment management, trading, compliance, and practice management. The firm provides access to a variety of discretionary portfolios and distinct program structures tailored to advisor and client needs.

Ben Moore is a financial advisor at Lincoln Investment with two years of industry experience. He holds the Series 66 designation and previously worked at Principal Securities and Principal Life Insurance Company. Outside of finance, he is co-owner of Moore Produce, a wholesale and retail business focused on planting, harvesting, and selling fruits and vegetables. Lincoln Investment serves individuals, charitable organizations, businesses, and retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning, ERISA retirement plan advice, and both advisor-managed and firm-managed model portfolios using a combination of strategic and tactical investment approaches.

Kevin Serensits is a financial advisor at Truist Advisory Services with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Truist and its predecessor entities since 2016. Outside of his advisory role, he serves as a licensed tour guide providing historical tours in Gettysburg, Pennsylvania. Truist Advisory Services offers investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations. The firm combines discretionary manager relationships with non-discretionary consulting, utilizes third-party platforms and AI-enabled research tools, and maintains integrated service arrangements within the Truist affiliate network.

Justin Kaleta is a financial advisor at Empower Advisory Group with four years of industry experience. He holds a Series 66 designation and previously worked at Janney Montgomery Scott. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, utilizing an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through point-in-time financial plans and offers optional managed account solutions.

Scott Frost is a financial advisor with OSAIC Institutions, INC. and holds Series 63 and Series 65 licenses. He has 10 years of industry experience, having worked at firms including First Commonwealth, Infinex Investments, and Santander Securities. Outside of advising, he serves as a councilman for the Borough of Selinsgrove. OSAIC Institutions, INC. is an SEC-registered investment adviser serving individuals, retirement plans, trusts, estates, and corporate clients. The firm offers customized advisory services and operates a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts, alongside access to alternative investments and lending solutions.

Andria Lamay is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and with 19 years of industry experience. She has been with Primerica Advisors since 2005 and Primerica Financial Services since 2011. In addition to her advisory role, she receives compensation for sales and referrals related to mortgage products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm emphasizes a tiered wrap-fee structure and curates third-party asset managers, maintaining oversight of model selection and implementation.

Toby Krouse is a financial advisor with Raymond James Financial, holding a Series 66 credential and 13 years of industry experience. He previously worked at Edward Jones and has been with Raymond James since 2019. Outside of his advisory role, he owns Krouse Financial Strategies, 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 investors. The firm offers tailored, non-discretionary consulting using analytical tools and supports clients through various advisory programs and specialized services in municipal finance and retirement plan consulting.

Steven Deckard is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked with firms including LPL Financial LLC and Mass Mutual, and operates Deckard Sales, LLC, a manufacturing representative agency. Deckard also serves as a board member for Mid Penn Management, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform that includes affiliated and third-party managers, serving over 800,000 clients and managing more than $256 billion in assets.

James Kishbaugh II is a financial advisor at Cetera with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera and Cetera Wealth Services, LLC since 2013, as well as operating J & J Financial since 2002. In addition to his advisory role, he is an insurance agent selling life, disability, annuities, and long-term care products. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers diverse investment management and planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Wendy Wolfe is a financial advisor with Primerica Advisors in Milton, PA. She holds Series 63 and Series 65 credentials and has one year of industry experience. Her prior roles include positions at Wise Markets Distribution, PFS Investments Inc., Primerica Financial Services, and FCCB. Outside of her advisory duties, Wendy is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm delivers advisory services through a large network of advisors using model-based investment strategies developed by third-party asset managers.

Joseph Springer is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. He has worked with Cetera and its affiliates since 2025 and has prior experience with Avantax Insurance Services and related firms. Outside of advisory work, he serves as an elected official in Ralpho Township and operates accounting and tax preparation businesses. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual clients, employer-sponsored retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services delivered through a large network of independent advisors.

Keely Rodarmel is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, she worked at Krouse Financial and has a diverse background including roles at Geisinger Medical Center and Kutztown University of Pennsylvania. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a broad client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and uses analytical tools like risk profiling and probability modeling to support client goals.

Patrick Reilley is a financial advisor with LPL Financial and holds a Series 63 designation. He has 34 years of industry experience, including 33 years at Lincoln Investment Planning, Inc. Reilley serves on the Board of Directors for UNB Bank Mt Carmel and has been involved in a solar panel supply business serving the Dominican Republic. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a 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.