David Smith is a financial advisor at OSAIC with 42 years of industry experience. He holds the ChFC® designation and Series 63 and Series 65 licenses. Prior to joining OSAIC in 2018, he worked at Signator Investors, Inc. for 35 years. He is also involved with Mountain Top Wealth Management, where he engages in the sales and marketing of fixed annuities, insurance, and securities products. OSAIC serves a broad range of clients, including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct diversified portfolios across multiple asset classes.

Zachariah Hershberger is an advisor at LPL Enterprise with a Series 66 credential and experience beginning in 2025. He has prior roles in insurance and real estate services with Comparion Insurance Agency and Keller Williams Elite, respectively. He also serves as a board member for The Greens of Rapho Homeowners Association, a nonprofit organization. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutions, offering financial planning, asset management, and brokerage services through an integrated platform that includes insurance products and lending programs.

Alexander Jones is a financial advisor with Ameriprise Financial Services in Lancaster, PA, holding Series 66 and Series 63 credentials and seven years of industry experience. His prior roles include positions at Concourse Financial Group Securities Inc and Jones Financial. Ameriprise Financial Services is a large, diversified advisory firm that serves individual and institutional clients, offering a specialized Premier Retirement Income service for clients approaching or in retirement. The firm’s approach includes written Recommendation Reports and ongoing retirement-income planning advice focusing on dependable income sources and tax-aware withdrawal strategies.

David Trainor is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Edward Jones since 2006. He holds a Series 66 designation and is based in Oxford, PA. Outside of his advisory role, he is involved as a board member and committee participant with Oxford Mainstreet Incorporated, working on local economic development initiatives, and owns a business that buys, repairs, and resells motorcycles, boats, and cars. Edward Jones is a full-service wealth management firm serving individual and institutional clients across a broad range of needs. The firm manages over $1 trillion in assets through a nationwide network of advisors, offering both discretionary and non-discretionary investment strategies along with affiliated mutual funds, trust services, and securities-based lending options.

Connor Skeen is a CFP® professional with eight years of industry experience. He is currently with Charles Schwab & Co., Inc., where he has worked since 2023, following roles at Bank of America, Merrill, and T. Rowe Price. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering both non-discretionary and discretionary investment options supported by centralized custody and trading operations.

Craig Hornberger is a financial advisor at Morgan Stanley with four years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, Cetera, Orrstown Financial Advisors, and other firms. Outside of his advisory roles, he has been involved with Hornberger Golf Investments, LLC. 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 and financial planning services supported by structured processes and proprietary tools, managing approximately $2.74 trillion in client assets.

Evan Perets is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he is connected to the hospitality sector through involvement with TEN K GROUP. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, model wealth portfolios, and third-party asset management, combining advisory programs with brokerage and insurance product sales.

Michael Valudes is a financial advisor with LPL Financial in Lancaster, PA, holding Series 63 and Series 65 credentials and 45 years of industry experience. He has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a variety of advisory and brokerage services through a national network of representatives, providing both discretionary and non-discretionary management along with access to model portfolios and research from multiple sources.

Christopher Ruffino is a CFP® with 20 years of industry experience and is currently affiliated with Raymond James Financial Services Advisors, Inc. He has held roles at firms including Fulton Bank, Copper Beech Financial Group, Edward Jones, and Legg Mason. In addition to his advisory work, he manages a rental real estate property. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports its clients through various advisory programs and institutional consulting.

Kevin Erb is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and possessing 35 years of industry experience. His career includes roles at Mass Mutual Investors Services since 2017 and the Massachusetts Mutual Life Insurance Company since 2016, along with long-term positions at MetLife Securities Inc. and Metropolitan Life Insurance Company dating back to 1989. In addition to his advisory work, he is involved in individual and group life and health insurance sales. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, emphasizing collaborative, goal-oriented planning without discretionary investment management.

William Meyer is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked for 15 years at Janney Montgomery Scott. Outside of his advisory role, he owns and captains a sportfishing charter boat in West Grove, Pennsylvania. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm’s IPS-driven approach includes investment policy development, investment recommendations, performance reporting, and participant education, with a broader range of financial products than many peers, including insurance-related vehicles and bank deposit sweep options.

Alex Patterson is a financial professional with three years of industry experience, currently affiliated with OSAIC in Lancaster, PA. He holds a Series 66 designation and has previously worked at Royal Alliance Associates, Inc. Additionally, he operates a sole proprietorship, Patterson Financial Services, where he assists clients with account access and leads sales meetings for securities and insurance products. OSAIC serves a broad range of retail and institutional clients through a large network of advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing various tools and third-party solutions to construct and manage diversified portfolios.

Michael Hartlett is a financial advisor with Cambridge Investment Research Advisors, holding a Series 63 designation and over 44 years of industry experience. His prior roles include positions at International Assets Investment Management, LPL Financial, and Invest Financial Corporation. He serves as a trustee for the Permanent Fund of the Grand Commandery of Pennsylvania and is a board member of the Lancaster Masonic Center. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing a range of portfolio management and model-based solutions tailored to client objectives.

Carson Spangler is a CFP® professional with 26 years of industry experience, currently advising at LPL Financial since 2025. His prior experience includes roles at The Investment Center, Inc., Heritage Insurance Associates/Lancaster Benefits Group LLC, and Cadaret, Grant & Co., Inc. He is also the owner of Aqua Premier Auto Wash in Lancaster, PA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with access to model portfolios and research from both internal and third-party sources.

Allen Wessel is a CFP®-credentialed financial advisor with Edward Jones, where he has worked since 1999, totaling 27 years of industry experience. He holds a Series 63 license and is based in New Holland, PA. Outside of his advisory role, he owns and maintains a rental property in New Holland. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of approximately 23,700 financial advisors. The firm provides discretionary and non-discretionary strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jordan Grater is a financial advisor with RBC Capital Markets, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. He has worked at RBC Capital Markets since 2019 and previously spent 13 years with The Vanguard Group, Inc. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with tailored investment strategies, utilizing both in-house and third-party managers, and provides a range of portfolio management, financial planning, custody, and brokerage services.

Tyler Kirby is a financial advisor at Ameriprise with one year of industry experience. Prior to joining Ameriprise, he worked at Weis Markets for six years and taught at Shippensburg Area Middle and High Schools for six years. He is also an associate financial advisor at LJS Group LLC, where he manages an advisory business. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria. The firm provides a range of advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized consulting team and algorithmic tools to generate tailored retirement-income recommendations.

Mark Stoltzfus is a financial advisor at Cambridge Investment Research Advisors with 39 years of industry experience. He holds Series 63 and Series 65 credentials. His prior experience includes roles at Cetera, LPL Financial, and American Portfolios Financial Services, Inc., as well as operating Stoltzfus Financial LLC since 2017. Outside of advising, he is also active as a musician. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension and profit-sharing plans, charitable organizations, and trusts. The firm provides financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, offering a range of portfolio management and model-based solutions tailored to client objectives.

Kurt Luckenbill is a financial advisor at Morgan Stanley with 45 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at RBC Capital Markets for 16 years. He is based in Lancaster, PA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its planning process.

Thomas Knauer is a financial advisor with Thrivent Investment Management in Lancaster, PA, holding a Series 66 credential and 12 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2013. Outside of his advisory role, he is the sole member of an LLC that organizes group social events connected to Penn State University's athletic department and serves on the board of a nonprofit recreational center. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing goal-based financial planning without discretionary portfolio management. The firm integrates planning with managed-account programs through a consolidated billing option while keeping these services distinct.