James Richmond is a financial advisor with Hornor, Townsend & Kent, LLC, holding a Series 63 designation and bringing 32 years of industry experience. He has served at Penn Mutual Life Insurance Company and Hornor Townsend & Kent Inc since 2016. Richmond is active in community service, including serving as a board member of the Greater Susquehanna Valley United Way finance committee and as a director on the Board of Directors for the Union/Snyder Agency on Aging. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans through advisory programs, financial planning, and retirement plan consulting. The firm combines SEC-registered advisory services with broker-dealer capabilities and works with third-party asset managers to provide tailored investment strategies.

Michael Miller is a financial advisor at Janney Montgomery Scott with nine years at the firm and five years of industry experience. He holds a Series 66 designation. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage, financial planning, and advisory services.

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.

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.

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. based in Milton, PA, holding Series 63 and Series 65 licenses with 10 years of industry experience. He has worked at multiple firms including First Commonwealth and Santander Securities, and 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 through a network of representatives. The firm combines advisory and broker-dealer services with a hybrid model that offers both discretionary and non-discretionary account management, access to alternative investments, and a lending marketplace.

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 at Raymond James Financial with 14 years of industry experience. He holds a Series 66 designation and has worked at Raymond James since 2019, following seven years with Edward Jones. In addition to his advisory role, he owns Krouse Financial Strategies, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm uses tailored, non-discretionary planning and analytical tools to support client goals and offers a range of advisory programs and institutional consulting services.

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.

Richard Wible is a financial advisor with Ameriprise Financial Services LLC, holding Series 63 and Series 65 designations and bringing 27 years of industry experience. Prior to joining Ameriprise in 2026, he worked at United Planners' Financial Services for 21 years. He is president of REW Insurance & Financial Services and serves as a director of the Lewisburg Sunset Community Foundation; he is also the owner of a retail cigar business, Members Only Cigar. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

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.

John Molinaro is a financial advisor at OSAIC with 44 years of industry experience. He holds the Series 63 designation and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over two decades. He is also the owner of MoneyWise, Inc., where he sells and services insurance and fixed annuity contracts. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering brokerage, investment advisory, and financial planning services through a large network of affiliated advisers and multiple platforms. The firm employs various asset-allocation and portfolio-construction tools and provides access to third-party money managers and wrap programs.

Brendan Mutchler is a financial advisor with Ameriprise in Montoursville, PA, holding a Series 66 designation and five years of industry experience. He has been with Ameriprise since 2020 and previously worked at Liberty Mountain from 2015 to 2019. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, algorithm-supported recommendations primarily for assets held in Ameriprise-managed accounts.

Betsy Guffey is a Series 66-licensed financial advisor with 14 years of industry experience. She is currently with Cetera and has prior experience at Lincoln Investment Planning, Inc. and Mifflinburg Bank & Trust Co. Betsy serves as treasurer for the Susquehanna Valley Spinners and Weavers Guild. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services with multiple program structures and access to third-party managers.

Michael Stramara is a financial advisor with Cambridge Investment Research Advisors in Danville, PA, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and has prior experience with AIM, Inc. Outside of advising, he serves as Vice President and independent insurance agent for Associated Insurance Management Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory through a network of independent financial professionals using a range of portfolio management strategies and platform arrangements.

Eric Kishbaugh is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and over 10 years of industry experience. He has been affiliated with Cetera Wealth Services, LLC since 2014 and also operates J & J Financial as a registered representative. In addition, he is an independent insurance agent specializing in health, fixed annuities, and life insurance. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management options, supported by a large network of advisors and over $256 billion in assets under management.

Mary Jansen is a financial advisor with Mass Mutual Investors Services who holds a Series 63 designation and has 29 years of industry experience. She has worked with Mass Mutual Investors Services since 2017 and has been affiliated with Massachusetts Mutual Life Insurance Company, MetLife Securities Inc., and Metropolitan Life Insurance Company since 1996. Outside of her advisory work, she owns a rental real estate business in Shavertown, Pennsylvania. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships using firm-approved analytical tools.