Jay Penica is a financial advisor with Ameriprise, holding a Series 66 designation and over 25 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, Penica is involved in alpaca husbandry as a breeder and fiber processor and serves on the Board of Directors for the Alpaca Owners Association, Inc. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Holly Holmes is a financial advisor with Merrill in York, PA, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2005. Outside of her advisory role, she serves as a director for the Heather Baker Foundation, a charitable organization supporting families affected by cancer. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Haun is a Wealth Management Advisor with The BF Group at Merrill Lynch Wealth Management. He joined the team in 2020 and focuses on developing and overseeing the group’s investment strategies. Michael works directly with clients and their families to create customized financial plans aimed at achieving their financial goals. His expertise includes managing new wealth, personal retirement planning, portfolio management, tax minimization, retirement income, and services for endowments, foundations, and non-profits. With over 14 years of experience in the financial industry, Michael previously managed the investment strategy and process for the wealth management group of a community bank for eight years. He holds a degree in finance from The Pennsylvania State University and has earned the Chartered Financial Analyst (CFA) designation as well as the CERTIFIED FINANCIAL PLANNER™ certification. He is a member of the CFA Institute and the CFA Society of Philadelphia. Michael is active in his community, serving on the board of the United Way of York County and participating on the Distribution Committee of the York County Community Foundation. Outside of work, he enjoys playing golf, running, studying history, and spending time traveling with his wife and two children.

Ted Williams is a financial advisor with LPL Financial based in Columbia, PA. He holds Series 66 and Series 63 licenses and has two years of industry experience. Prior to joining LPL Financial, he worked at NORTHWEST Bank and was involved with Prep Baseball Report Pennsylvania and Keystone State Baseball Academy. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.

William Gekas is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and has worked in various roles since 2014, including positions at DoorDash Inc. and Penn State University. Gekas is also an associate at Financial Compass Group Inc., where he supports financial advisory services in a non-producing capacity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and advisory services supported by analytical tools and maintains unique affiliations, such as with a municipal advisor, to enhance its service offerings.

De Sean Longino is a financial advisor with Cetera based in Mechanicsburg, PA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at MassMutual, PFM Asset Management, Thrivent Financial, Northwestern Mutual, and others. Outside of his advisory work, he serves as president and a board member of Sandy Shores Inc., a charity focused on promoting financial literacy. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and various retirement services through multiple program platforms and a multi-manager investment approach.

Crystal Kay is a financial advisor at LPL Financial with 18 years of industry experience. She holds Series 63 and Series 65 designations. Her prior work includes roles at Employment Enterprises and Waddell & Reed, Inc. Kay operates a DBA called Life's Journey Financial for her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, supported by research, technology, and various affiliated financial products.

Zachari Brenner is a financial advisor at Edward Jones in York, PA, holding Series 63 and Series 66 licenses with seven years of industry experience. Prior to his current tenure at Edward Jones, he worked at Apple Honda for four years. 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 more than 23,700 financial advisors.

Ronald Leuschen is a financial advisor at Cetera with 36 years of industry experience. He holds the CFP® designation and has worked previously at American Express Financial Advisors Inc. and Ids Life Insurance Company. In addition to advisory work, he is involved in selling health and annuity insurance as an agent and manages a financial services DBA, Advantage Wealth Management. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform providing access to affiliated and third-party managers, with a range of discretionary and non-discretionary portfolio management and financial planning services.

Teresa Powell is a Series 66-licensed financial advisor with Thrivent Investment Management in York, PA, where she has worked since 2020. Prior to her advisory role, she spent ten years with the York County District Attorney's Office. She serves as a board member for Orphan Grain Train, a nonprofit that organizes donations of personal and medical supplies for global distribution. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations on a wide range of financial topics without discretionary trading authority. The firm integrates planning with managed-account programs under a consolidated billing option called WealthPlan, while maintaining the separation of services.

Scott Moyer is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Cambridge Investment Research Advisors since 2009. Outside of his advisory role, he is an independent insurance agent with Moyer Financial Services LLC. Cambridge Investment Research Advisors serves a diverse clientele including individuals, pension and profit-sharing plans, charitable organizations, trusts, estates, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing proprietary model strategies and third-party managers with both discretionary and non-discretionary approaches.

Julie Bortner is a financial advisor with Primerica Advisors in York, PA, holding Series 63 and Series 65 licenses and over 20 years of industry experience. She has worked at PFS Investments Inc. since 2006 and has been with Primerica Financial Services since 2001. In addition to her advisory role, she is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors manages a wrap-fee asset management program primarily for individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm operates at scale with nearly 3,700 financial advisors and approximately $15.5 billion in assets under management, utilizing model-delivery strategies created by unaffiliated asset managers and supported by custodians such as BNY Mellon Advisors and Pershing.

Vincent Russo is a ChFC® with 55 years of experience in the financial services industry. He has been with Mass Mutual Investors Services since 1983 and MassMutual Life Insurance Company since 1982. In addition to his advisory role, he maintains an active life and fixed annuity insurance sales practice. Mass Mutual Investors Services 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, with a focus on collaborative annual planning engagements using firm-approved analytical tools.

Rick Danielowski is a financial advisor at Raymond James Financial with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Advisors Financial Network LLC for seven years. Danielowski is also an associate and portfolio strategist with Longview Wealth Solutions 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 planning and uses analytical tools such as risk profiling and probability modeling to support client goals.

Julie Matthews Salvo is a financial advisor with LPL Financial in York, PA, holding the CFP® and ChFC® designations and possessing 29 years of industry experience. She previously worked at M&T Securities, Inc. for 18 years before joining LPL Financial and Wilmington Advisors 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 provides financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with a variety of investment approaches and operational tools.

Christopher Zeigler is a financial advisor at Cetera with six years of industry experience and holds a Series 66 license. He has worked with Orrstown Financial Advisors and Cetera Wealth Services, and also serves as board president of Bethany Development Corporation, which provides low-income senior housing. Additionally, Zeigler is vice president of Family Design Resources, a foster care services organization, and works as a basketball official for recreational and high school leagues. 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 multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Kevin Blacker is a financial advisor at Edward Jones with one year of industry experience. He holds a Series 66 designation and previously worked at Knouse Foods for 14 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Stephanie Binter is a financial advisor with Primerica Advisors in York, PA, holding Series 63 and Series 65 licenses and four years of industry experience. She has been with Primerica Financial Services since 2020 and Primerica Advisors since 2021, following 14 years at PCBH. Primerica Advisors manages a wrap-fee asset management program serving individual investors, as well as corporate and charitable clients. The firm uses model-delivery strategies developed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Matthew Shutt is a financial advisor at Cetera with two years of industry experience. He holds a Series 66 designation and previously worked as a design engineer for NextGen Security LLC and served as a staff sergeant and geospatial engineer in the US Army National Guard. Outside of finance, he designs electronic access control and security systems. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutions. The firm offers a range of portfolio management, financial planning, and consulting services through a large network of independent advisors and employs a multi-manager platform with discretionary and non-discretionary program options.

Joseph Petruso is a financial advisor with Raymond James Financial, holding a Series 66 designation and bringing 26 years of industry experience. He has held roles at Fulton Financial Advisors and Specific Solutions, among others, and has been associated with Fulton Bank and Fulton Financial Corporation since 2009. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning supported by analytical tools and maintains unique affiliations such as a municipal advisor and specialized SIMPLE IRA consulting services.