Richard Martin Jr. is a financial advisor with LPL Financial based in Johnstown, PA. He holds a Series 66 designation and has 13 years of industry experience, having worked with LPL Financial since 2012. Outside of his advisory role, he serves as a football and basketball official for high school games and as a football official for NCAA Division II and III. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing a combination of proprietary research and third-party strategies.

Ethan Stewart is a CFP® professional with 11 years of industry experience, currently serving at Cetera. He has previously worked with VOYA Financial Advisors, Inc. and maintains ongoing roles with Centennial Financial Group, LLC. Stewart is involved in his community as a board member for the Johnstown Industrial Development Corp, the Johnstown State Theatre Foundation, and the Humane Society of Cambria County. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that enables advisors to implement model portfolios, third-party manager selections, or customized strategies.

Tanner Kobal is a financial advisor at Ameriprise with a Series 66 designation and two years of industry experience. He has previously worked at LPL Financial LLC, AmeriServ Trust & Financial, Prudential Insurance Company of America, Pruco Securities LLC, and New York Life. Outside of his advisory roles, he has experience in several other fields, including lawn care and retail. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service providing written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Brian Scaletta is a financial advisor with Cetera who holds a Series 66 designation and has 22 years of industry experience. He has worked at several firms, including Avantax and Equity Services, and owns Scaletta Financial, LLC, which provides tax and consulting services. Outside of his financial career, he performs as a percussionist for acoustic acts and bands. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services with access to both affiliated and third-party money managers.

Dean Carpenter is a financial advisor with Cetera in Johnstown, PA, holding a Series 63 designation and 19 years of industry experience. He has worked at Avantax Advisory Services and GBU Financial Life, among other firms. Outside of his advisory work, Carpenter serves as a finance committee member for Resurrection Catholic Parish. Cetera Investment Advisers LLC is a nationwide independent advisor network serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options, including model and bespoke strategies, and manages over $256 billion in assets through more than 10,000 advisors.

Ryan Edwards is a financial advisor with Wells Fargo Clearing in Johnstown, PA. He holds a Series 66 designation and has four years of industry experience. Prior to joining Wells Fargo, Edwards held roles at BNY Mellon, Robert Half, and the University of Pittsburgh. He serves as treasurer for the Cambria County Library System, a nonprofit providing education and community resources. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Cody Law is an advisor at LPL Financial holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining LPL Financial, he worked for Bellator MMA for five years and held positions at the University of Pittsburgh at Johnstown. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by extensive resources, including model portfolios, third-party asset management, and institutional platforms.

Joseph Zolna is a financial advisor with Equitable Advisors in Johnstown, PA, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining Equitable Advisors, he worked at Osaic Institutions, Infinex Investments, and InFirst Bank. Outside of his advisory role, he owns a motorsport business and holds ownership interests in several private holdings. Equitable Advisors provides financial planning, retirement consulting, and asset management services to individuals, institutions, and organizations through a network of Investment Adviser Representatives. The firm utilizes a range of advisory programs, including third-party models and discretionary management, covering mutual funds, ETFs, separately managed accounts, and select alternative investments.

Frederick Thomas III is a financial advisor with Raymond James Financial in Johnstown, PA, holding Series 63 and Series 66 licenses and bringing 46 years of industry experience. He has operated Thomas Financial Associates Inc. since 2010 alongside his role at Raymond James. Outside of finance, he owns and operates Copperfall Farms LLC, a small agricultural business specializing in livestock, hay, grains, timber, and minerals. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary advice using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Dane Morse is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 65 and Series 63 designations and has worked at Wells Fargo Clearing since 2018. Prior to that, he was employed at Robert Half and Clear Air LLC. Outside of his advisory role, he operates an online business selling antiques and collectibles. 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 both brokerage and advisory solutions.

Samuel Carpenter is a CFP® and PFS™ credentialed financial advisor with 39 years of industry experience. He has been with Cetera since 2025 and has previously worked with Avantax Advisory Services and insurance firms such as Minnesota Life Insurance Company. Carpenter is also involved with the ISDA Fraternal Association and the Greater Beneficial Union of Pittsburgh, offering products including life insurance and fixed annuities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts through a nationwide network of independent advisors. The firm provides both discretionary and non-discretionary portfolio management and financial planning, operating as a multi-manager platform with access to a variety of third-party managers and program options.

Don Hall II is a ChFC® with 43 years of experience in the financial industry. He has been affiliated with Cetera since 2021 and previously worked at VOYA Financial Advisors. Outside of his advisory work, Hall serves as Chairman of the Greater Johnstown Water Authority and is actively involved in his community, including a leadership role at Liberty Grace Brethren Church and as President of the Westmont Borough Council. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, employer-sponsored, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with access to affiliated and third-party money managers, operating across multiple program structures and custodial relationships.

Timothy Dabbs is a financial advisor with Wells Fargo Clearing in Johnstown, PA, holding a Series 66 designation and 12 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2013 and serves as a Lieutenant Colonel and Air Staff Action Officer in the Air Force Reserve. Outside finance, he owns a music performance and production company. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets with over 14,000 financial advisors and offers brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party analytics.

Donald Cowie is a financial advisor with Equitable Advisors in Johnstown, PA, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Equitable Advisors since 1999 and previously worked at AXA Advisors, LLC. Outside of his advisory work, Cowie serves as treasurer for both the Johnstown East Hills Kiwanis Club and the Business Networking Group of Johnstown. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Eric Kabler is a financial advisor with LPL Financial in Johnstown, PA, holding a Series 63 designation and 37 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory work, Kabler is active as a pastor and minister and is involved in Christ-centered investing initiatives. 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 provides a range of advisory and brokerage services through a large network of representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Matthew Zima is a financial advisor with Equitable Advisors and holds Series 63 and Series 65 licenses. He has 21 years of industry experience, including prior roles at AmeriServe Financial Services, LPL Financial, MSI Financial Services, and MetLife Investment Fund Services. Since 2016, he has also held outside insurance appointments covering fixed annuities, term insurance, and whole life insurance. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations by offering financial planning, retirement consulting, and asset-management programs. The firm employs a range of advisory models implemented through third-party managers and focuses on customized portfolio solutions without sponsoring its own wrap fee program.

Mitchell Cable is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 22 years of industry experience. He has been with LPL Financial since 2007. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor-facing tools and a broad non-advisory financial services network.

Kevin Pile is a financial advisor with Cetera Wealth Services LLC and holds a Series 66 designation. He has 23 years of industry experience and has previously worked with Avantax Advisory Services and S & P Partners. Outside of his advisory work, he is the owner and sole proprietor of Pile Financial Services, a tax preparation and accounting business. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.

Cynthia Orlovsky is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Cetera. She has held roles at Avantax and operates her own accounting and tax preparation business, Orlovsky Financial Services LLC. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and unaffiliated managers, supporting both discretionary and non-discretionary accounts.

Andrew Waligora is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and bringing 43 years of industry experience. His career includes long-term roles at MetLife Securities Inc. and Metropolitan Life Insurance Company, spanning over five decades. Outside of financial services, he serves as an umpire for scholastic softball games in Pennsylvania. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm provides ongoing, collaborative planning engagements supported by analytical software and offers specialized programs such as divorce planning and estate-settlement services.