Lacey Houck is a CFP® professional with 11 years of experience in the financial advisory industry. She currently works at Cetera and has previously held roles at Avantax Advisory Services and Avantax Insurance Agency. Outside of her advisory work, she is associated with Ocker Financial Services LLC in a non-investment capacity. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with a broad range of investment programs.

Rebekah Crouse is a Senior Financial Advisor at Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2006 and holds Series 7 and 66 FINRA registrations, as well as life and health and long-term care insurance licenses. Rebekah is a qualified Portfolio Advisor who provides clients with investment guidance, including recommending individual or combined strategies, funds, or portfolios from Merrill or approved third-party managers. She specializes in a customized financial experience tailored to clients' unique goals and risk tolerance. Her areas of focus include college education planning, divorce transition planning, equity compensation services, legacy planning, LGBT wealth planning, socially responsible and ESG investing, women and wealth, individual and corporate investment strategy, and retirement income. Rebekah works closely with individuals, families, and business owners to help them shape their financial plans in alignment with their lifestyle choices. Rebekah earned a bachelor's degree in business administration and finance from Shippensburg University of Pennsylvania. She also holds the Personal Investment Advisor (PIA) professional designation. Outside of her professional role, she is involved with Shalom Christian Academy. Rebekah enjoys cooking, reading, running, soccer, and spending time with her family.

Gary Guell is a financial advisor at LPL Enterprise with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Pruco Securities, LLC and Prudential Insurance Company of America. He is involved in servicing existing clients of Pan American Life related to non-variable insurance commission trails. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, banks, corporations, and charitable entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and participation in wrap programs, while also facilitating insurance product sales through affiliated entities.

Christopher Smith is a financial advisor at Edward Jones with six years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2019. Prior to his current role, he worked in media at WAAY-TV and briefly with Squad Fitness. Outside of his advisory work, he has served as a meteorologist during newscasts for Allen Media at WAAY-TV. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Larry Wright is a financial advisor at Cetera with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera since 2004. Outside of his advisory role, he works as a truck driver for Well Span Health. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management and financial planning services, supporting discretionary and non-discretionary strategies across diverse program structures.

Daniel Baer is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 66 designations and has been with Cetera since 2017. He also serves as a board member of the Greater Chambersburg Chamber Foundation, which focuses on charitable and educational purposes, and is involved in trust and estate administration for ACNB Bank. 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, financial planning, and retirement services through a multi-manager platform, supporting various program structures and custodial relationships.

Matthew Berger is a financial advisor with Cetera, holding a Series 66 designation and 12 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, Berger serves as vice president of a community outreach organization, maintains a community center, and is a board member for the Waynesboro Country Club and the Antietam Humane Society. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform that includes discretionary and non-discretionary portfolio management, financial planning, retirement services, and access to third-party money managers.

Eric Shank is a financial advisor at OSAIC with 31 years of industry experience. He holds the Series 63 and Series 65 credentials and previously worked for Fortis Investors, Inc./Woodbury Financial Services, Inc. for 29 years. He also serves as a board member of Grace Baptist Church in Waynesboro, PA. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms to manage portfolios across various investment types.

Andrew Shank is a financial advisor at OSAIC with a Series 66 designation and three years of industry experience. His prior work includes roles at Woodbury Financial Services Inc. and AFS Insurance and Financial Services, as well as experience outside finance at RC Engine Service. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across a variety of asset classes.

John Heeter is a CFP® and holds a Series 66 license, with eight years of industry experience. He has worked at Edward Jones since 2018 and previously served six years in the US Navy. Edward Jones is a full-service wealth management firm serving a broad client base that includes individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Benjamin Lefever is a financial advisor with Cetera, holding a Series 66 credential and over 20 years of industry experience. He has worked at Cetera and its affiliated entities since 2013 and has been associated with Orrstown Bank since 2006. Outside of his advisory role, Lefever serves as a committee member for the Edwin D Martin & Judith M Martin Private Foundation and holds board positions with the Cumberland Valley School of Music and Mercy House of Chambersburg. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through multiple program platforms and a multi-manager approach.

Robert Allison is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Primerica Advisors since 1986 and Primerica Financial Services since 1991. Outside of advisory services, he has been involved in sales of home security and automation products through affiliated companies. Primerica Advisors provides discretionary asset management primarily through its Lifetime Investment Program, which offers model-delivery strategies and discretionary separately managed account options to individual and high-net-worth clients. The firm’s approach includes curating third-party asset managers and using a tiered wrap fee structure.

Shaun Basalik is a financial advisor at Edward Jones with 14 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2011. Outside of his advisory role, he has been associated with Vector Marketing in a commission-based capacity. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of financial advisors and branch offices nationwide.

Brian Barrows is a CFP®-designated financial advisor with Cetera, based in Chambersburg, PA, and has three years of industry experience. He is also a member of Barrows Trostle Advisors, where he provides financial planning and investment management services. Outside of his advisory work, he is involved in accounting, tax preparation, and small business services through the Barrows Sollenberger Group. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party money managers.

Michael Skubon is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with LPL Financial since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms.

Megan Stickell is a financial advisor with Merrill, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. She has been with Merrill since 2015. 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. The firm offers a range of model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Helen Taormina is a financial advisor with Raymond James & Associates in Chambersburg, PA, holding a Series 66 license and 10 years of industry experience. She previously worked at Merrill from 2015 to 2023 before joining Raymond James in 2023. Outside of her advisory role, she is a co-owner of an LLC with her husband, although she does not have direct management responsibilities. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser that manages approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and advisory services with a range of portfolio management strategies.

Alfred Smith is a Senior Resident Director and Wealth Management Advisor at Merrill, where he provides personalized wealth management strategies tailored to clients' individual financial goals. He leverages access to Merrill’s investment insights and Bank of America’s banking and lending solutions to create flexible strategies that adapt to changing market conditions. With a focus on managing new wealth, personal retirement planning, portfolio management services, tax minimization, and retirement income, Alfred employs a rational, goals-based approach to help clients manage risk and pursue long-term financial objectives. With over twenty years of experience navigating diverse economic and market environments, Alfred offers guidance to individuals, families, and businesses seeking to secure their financial futures. He holds the Certified Financial Planner (CFP®) and Personal Investment Advisor (PIA) designations, reflecting his commitment to professional standards and ongoing education. Alfred is a graduate of Tulane University and also holds a high school diploma from Montclair High School. Outside of his professional role, Alfred is active in community service, upholding Merrill’s tradition of local engagement. He enjoys cooking, golfing, running marathons, and playing tennis. When not working with clients, he spends time with his family, including his wife and two daughters, as well as pursuing yardwork and reading history.

Darrien Uglow is a financial advisor at Cetera with a Series 66 designation and no prior industry experience. He has been affiliated with Cetera and Cetera Investment Services LLC since 2025 and 2026, respectively, and has a background working at F&M Trust Co. and in the hospitality industry. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. It offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various investment strategies and third-party managers.

Phyllis Nye is a CFP® professional with 34 years of industry experience, currently serving at Cetera. Her career includes long-term roles at Orrstown Bank and Cetera Wealth Services, LLC. She is involved in community and nonprofit activities such as serving on the finance committee at Our Lady of the Visitation church, acting as vice president of the Summit Health Foundation Board, and participating on the Cumberland County Land Preservation board. Nye also holds leadership roles in local businesses, including vice president of H & H Chevrolet and Cadillac. Cetera Investment Advisers LLC is an SEC-registered firm that supports a broad range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and advisory services, operating a multi-manager platform that allows advisors to implement model portfolios or bespoke strategies with discretionary and non-discretionary authorities.