Howard Moyer III is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 19 years of industry experience. He has worked at Private Advisor Group and LPL Financial since 2014 and previously held roles at Hudock Capital Group and Wells Fargo Advisors. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with a fiduciary-based advisory model. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, managed account solutions, and access to third-party managers and proprietary programs.

Mitchell Hulyo is a financial advisor at OSAIC Institutions, INC. with nine years of industry experience. His work history includes roles at First Commonwealth Bank, Infinex Investments, Inc., Santander Securities, LLC, Santander Bank, NA, and H&R Block. OSAIC Institutions, Inc. serves individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary accounts.

Caleb Harris is a financial advisor with Merrill in Williamsport, PA, holding the Series 66 designation and three years of industry experience. His prior work includes roles at Regions Bank and Men’s Wearhouse. He also serves as an E4 Infantryman in the Pennsylvania Army National Guard. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Douglas Mcculloch is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2012. Outside of his advisory role, he co-owns a business specializing in yard signs and greetings for occasions. Ameriprise provides retirement-income planning services targeting individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Ashley Miller is a financial advisor at LPL Financial with 16 years of industry experience and holds the ChFC® and Series 66 designations. Prior to joining LPL Financial in 2025, Miller worked at Cetera Investment Advisers and Cetera Investment Services LLC for seven years, as well as First National Bank of PA for nine years. Outside of advisory work, Miller has a small real estate rental activity in State College, PA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management options supported by both proprietary and third-party strategies.

Aaron Raemore is a CFP®-certified financial advisor with five years of industry experience. He is currently associated with Cetera and SL Financial Group and has held roles at Jersey Shore State Bank and several other financial services firms. Raemore’s background includes positions in both financial advisory and banking. Cetera Investment Advisers LLC is a large, SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, employing a multi-manager platform with access to affiliated and third-party managers.

Denise Plankenhorn is a financial advisor with LPL Financial in Williamsport, PA, holding Series 63, 65, and 66 credentials and bringing 30 years of industry experience. Her prior roles include positions at M&T Securities, M&T Bank, and Merrill. Outside of her advisory work, she is a co-owner of a non-investment-related business, Chris & Denise Plankenhorn. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, and third-party asset management, supported by technology tools and a broad non-advisory financial platform.

Ryan Miller is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and bringing 18 years of industry experience. He previously worked at Edward Jones for ten years before joining Raymond James in 2018. Outside of his advisory role, Miller manages several real estate ventures, including commercial and residential properties. 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, pension and profit-sharing plans, corporations, charities, and institutions. The firm emphasizes tailored, non-discretionary planning and consulting, using analytical tools to model potential outcomes, and maintains specialized services such as municipal advising and SIMPLE IRA employer consulting.

Michael Hickey is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has 14 years of industry experience. His prior roles include positions at LPL Financial, Citizens and Northern Bank, Cetera Investment Advisers LLC, Cetera Investment Services LLC, and Santander Securities LLC. Outside of his advisory work, he serves as an insurance agent for Wienken Wealth Management, focusing on fixed annuities. MassMutual 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 financial planning, asset management, wrap and money-manager programs, and educational seminars.

Jonathan Saylor is a financial advisor with Edward Jones in Williamsport, PA, holding a Series 66 license and with 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a board member for the Fairmont State University Alumni Board in Fairmont, WV. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment solutions including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Nicholas Reeder is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Liberty Arena and has been affiliated with Lycoming College since 2022. His background also includes roles in education and retail. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery conversations and firm-approved planning tools.

Sydney Robertson is a financial advisor at Cambridge Investment Research Advisors with three years of industry experience. She holds a Series 66 designation and has worked previously as a self-employed financial professional as well as in various positions outside finance, including operating a day spa and salon. Outside of advisory work, she is engaged in freelance modeling and acting, and provides pet sitting services in Asheville, NC. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, and charitable organizations. The firm offers a range of financial planning, investment management, and retirement advisory services delivered through independent Financial Professionals using multiple platform arrangements and proprietary as well as third-party model strategies.

Jason Phillips is a financial advisor at Merrill with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Bank of America and Merrill for 15 years. Outside of advising, he is involved in baseball instruction through Program 15 Baseball and serves as a board member for a charitable organization focused on emergency response training. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients using model-based and discretionary strategies developed by internal and third-party managers. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joel Zysset is a financial professional at Cetera with 28 years of industry experience. He holds the Series 63 designation and has worked at Cetera and its affiliates since 2019, with prior experience at VOYA Financial Advisors. Outside of advisory work, he also prepares taxes and acts as an independent agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a nationwide network of over 10,000 advisors. The firm offers a variety of portfolio management and retirement services delivered via multiple program structures and investment approaches, including model portfolios and customized strategies.

Anthony Disalvo III is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Prior to joining Cambridge in 2016, he worked at Wells Fargo Advisors for nine years. Outside of his advisory role, he is an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base, including individuals, retirement plans, charitable organizations, and trusts, offering financial planning, investment management, and retirement advisory services through a network of independent Financial Professionals. The firm provides a range of investment solutions, including proprietary models and third-party managers, with an emphasis on tailored strategies and institutional support features.

Fred Goldfinger is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 45 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp. since 1994. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Terri Fought is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She has worked at Raymond James & Associates since 2017, following eight years at Bank of America and twenty years at Merrill. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning and non-discretionary investment consulting supported by various portfolio management styles and affiliated research.

Rodd Melzer is a financial advisor with Morgan Stanley in Williamsport, PA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and 2015 respectively, and previously at Citigroup Global Markets starting in 2000. Outside of his advisory role, Melzer serves on the boards of the Eagles Mere Country Club, the Eagles Mere Borough Zoning Committee, and the Eagles Mere Borough Sewer Authority. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and firm-approved tools, with plans informed by the Global Investment Committee’s return estimates and simulation models.

Steven Jones is a financial advisor at LPL Financial with three years of industry experience. He holds the Series 66 designation and has previously worked at Cetera and First National Bank of PA. His background also includes roles outside of finance, such as work with the Cambria Regional Chamber of Commerce and Intrignia Inc. 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, including financial planning and access to model portfolios, and supports advisors with various investment platforms and research tools.

Brian Pick is a financial advisor at Raymond James & Associates with 30 years of industry experience. He previously worked at Merrill and Bank of America before joining Raymond James in 2017. Pick serves as a director on the board of the Red Raider Foundation, a nonprofit supporting the Montgomery Area School District through fundraising and grant distribution. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser that serves individuals, institutions, and municipal clients. The firm offers financial planning and investment consulting with a non-discretionary approach, drawing on diverse portfolio management styles and affiliated research.