Lonnie Friedman is a financial advisor at LPL Financial with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is publishing a book on cold calling titled *The Cure to the Cold Call Blues*. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, employing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

John Pokladowski is a financial advisor with RBC Capital Markets in Lemoyne, PA, holding Series 65 and Series 66 credentials and bringing 20 years of industry experience. He has been with RBC Capital Markets Corporation since 2008. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a wide range of clients including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, utilizing a combination of in-house and third-party investment managers and model providers.

J Stephen Richardson is a financial advisor with LPL Enterprise holding Series 63 and Series 66 credentials and 25 years of industry experience. His prior positions include roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Invest Financial Corp. Outside of his advisory work, he serves as a soccer referee in the Central Pennsylvania area on weekends. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering advisory and brokerage services supported by model portfolios and third-party asset management. The firm provides an integrated platform combining advisory programs with financial product sales, including insurance, and engages in collateralized lending through its affiliated entities.

Matthew Odom is a financial advisor with Fidelity in Carlisle, PA, holding a Series 66 designation and five years of industry experience. His background includes roles at Fidelity Investments since 2021 and previous positions at the University of Cincinnati and LensCrafters Luxottica. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, combining fundamental research with quantitative analysis and algorithmic portfolio construction to develop model portfolios. The firm is noted for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and the use of AI and systematic methodologies in its investment process.

Dylan Baxter is a financial advisor with Cambridge Investment Research Advisors holding a Series 66 designation and three years of industry experience. His prior roles include positions at KCA Wealth Management and Concourse Financial Group Securities. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts, providing financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm offers multiple investment platforms and strategies, including proprietary and third-party models, with options for discretionary and non-discretionary management.

Christopher Hoover is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and four years of industry experience. Prior to his current role, he was involved with Angelo's Soccer Corner for over 30 years. Outside of his advisory work, he is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered firm serving individual and institutional clients with financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm offers a range of investment solutions through a network of independent Financial Professionals, utilizing proprietary and third-party model strategies across multiple platform arrangements.

Fonda Markley is a CFP® professional with 15 years of industry experience, currently affiliated with Cetera. Their career includes roles at Wells Fargo Advisors and several Cetera-affiliated firms. Outside of financial advising, Markley serves as communications director for a charity fundraising organization and is a board member of a nonprofit foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Davinder Sidhu is a financial advisor with LPL Financial in Mechanicsburg, PA, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2021, he worked at Trispagonas Insurance and Nationwide Insurance. Outside of his advisory role, he has part-time employment with the Central Dauphin School District as a custodian. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by comprehensive research and model portfolios.

Christopher Lenz Jr. is a financial advisor with MML Investors Services and Wienken Advisors, Ltd., holding a Series 66 designation and three years of industry experience. Prior to his advisory roles, he worked at Aldi US for seven years. He is also licensed as a life and health insurance agent. MML 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 with a collaborative, annual planning process utilizing firm-approved analytical tools.

Shelly Weibley is a financial advisor at Wells Fargo Clearing with 31 years of industry experience. She holds a Series 63 designation and has been with Wells Fargo firms since 2009. Outside of her advisory role, she works as a sales representative for Avon Products. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Sharon Pugh is a financial advisor at Wells Fargo Clearing with 35 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing since 2016, following six years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Niraj Alay is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 65 licenses. He has eight years of industry experience, including ten years at Wells Fargo and current roles at J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, he is a co-owner of SN Entertainment LLC, which manages artists and venues for events. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Sean Ferguson is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of household types, pension plans, corporate clients, and charitable organizations. The firm offers a variety of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products, operating under a fiduciary standard.

Kirsten Rodriguez is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has nine years of industry experience, including twelve years at Morgan Stanley before joining Wells Fargo in 2026. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Gregory Malin is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James Financial since 2009 and also has a long tenure at Fulton Bank beginning in 2008. Outside of his advisory work, he is an associate at Fulton Financial Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs a tailored, non-discretionary approach using analytical tools and supports municipal and public-finance work, along with specialized advisory programs.

William Duval is a financial advisor at Wells Fargo Clearing with a Series 66 credential and one year of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, and Delta Dental of Colorado. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Robert Innerst is a financial advisor with LPL Financial, holding a Series 66 credential and six years of industry experience. He previously worked at Ameriprise and The York Water Company. In addition to his advisory role, he is involved with Innerst Capital Management LLC and GeoRoJo Enterprises, which are business entities unrelated to investment advisory services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing discretionary and non-discretionary management supported by model portfolios, research, and technology solutions.

Daniel Brixius is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and 26 years of industry experience. He has been with Cambridge Investment Research since 2010. Outside of his advisory role, he is involved in coaching sports and fitness at Elizabethtown College. 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, and retirement plan advisory through a network of independent professionals, offering both proprietary and third-party model strategies across various platform arrangements.

Debra Kramer is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in providing wealth management services to working and retired professionals across central Pennsylvania and the United States. She utilizes a comprehensive wealth management process that includes strategy development for creating, growing, preserving, and distributing wealth in the most tax-advantaged manner. Debra works closely with clients and their trusted advisors to develop personalized plans tailored to their individual needs, goals, and aspirations. Beginning her career in 1997 at Merrill Lynch Wealth Management in Harrisburg, Pennsylvania, Debra gained experience as a Client Associate before taking time away to focus on family and philanthropic efforts. She later returned to Merrill Lynch as a Financial Advisor, employing a holistic approach to assist clients through all life stages. Her areas of expertise include divorce transition planning, employee benefits, family wealth management strategies, retirement income, and services for defined benefit and contribution plans. She holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Debra earned an associate's degree from Thompson Institute and holds a high school diploma from Steelton Highspire. She is actively involved in her community and church, volunteering with organizations such as Lighthouse AG, CrossNet Ministry, Kiwanis, and the New Holland Business Association. She resides in New Holland, Pennsylvania, with a family that includes four grown children and eight grandchildren. Her personal interests encompass antiquing, baseball, cooking, dancing, hiking, interior decorating, music, reading, spending time with family, and traveling.

Alan Knepper Jr. is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has one year of industry experience, including roles at LPL Enterprise, Uber, Instacart, and Pactiv Evergreen. Outside of his advisory work, he has participated in ridesharing activities through Uber and Instacart. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to a range of brokerage and insurance products through an integrated platform.