John Wain is a financial advisor with LPL Financial in Carlisle, PA, holding a Series 66 designation and 16 years of industry experience. He has been with LPL Financial since 2009 and operates his own business, John F. Wain Financial Services. 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 financial planning, third-party asset management, and various institutional platforms, providing advice through a large network of investment adviser representatives using a range of strategic and tactical investment options.

Richard Morris Jr. is a financial advisor with Ameriprise in Carlisle, PA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has been with Ameriprise since 2010, currently serving as an Associate Financial Advisor with involvement in market research focused on legacy and estate solutions for high-net-worth clients through LJS Group, LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides retirement-income planning advice through a centralized team, with recommendations delivered via written reports and ongoing consultations. The firm’s approach incorporates proprietary research, third-party data, and algorithmic tools, with a focus on dependable income sources and tax-aware withdrawal strategies for clients meeting specific asset criteria.

Darwin Smith Jr. is a financial advisor at Edward Jones with 10 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. His career includes two separate tenures at Edward Jones, from 2015 to 2020 and since 2024, with a four-year period at Citizens Securities, Inc. in between. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and affiliated financial products through a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Cory Melchior is a financial advisor at Morgan Stanley with Series 65 and Series 63 credentials and five years of industry experience. His prior work includes roles at Cetera Advisor Networks and Voya Financial Advisors, as well as non-financial positions at Bella Vista Golf Course, Penn State - Berks, Boyertown YMCA, and Boyertown Area Senior High School. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and serves clients directly as well as through corporate financial planning agreements.

John Carbaugh is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

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.

Sheila Hunter is a financial advisor with Edward Jones in Carlisle, PA. She holds a Series 66 designation and has 13 years of industry experience, all with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets, offering a wide range of advisory programs and investment solutions through a large network of financial advisors and branch offices nationwide.

Todd Fogelsanger is a financial advisor with Raymond James Financial in Carlisle, PA, holding a Series 66 designation and 26 years of industry experience. He has worked at Raymond James Financial since 2008 and is also affiliated as an independent contractor with Miller & Gay Investment Management. 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 uses analytical tools and risk profiling to tailor non-discretionary planning and consulting to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Jarred Knott is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 12 years of industry experience. He has worked with Cetera since 2014 and is also a member of the Waynesboro Borough Council. Knott is involved in nonprofit activities, serving as president and treasurer of Mainstreet Waynesboro and participating on the Leadership Franklin County Steering Committee. Cetera Investment Advisers LLC operates as a multi-manager platform serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts, offering a range of portfolio management and financial planning services through a large network of independent advisors.

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.

Megan Wall is a financial advisor with Ameriprise in Shippensburg, PA, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. Her prior roles include positions at Avantax Insurance Agency, Avantax Advisory Services, and Sniegocki Weaver Financial Solutions. Outside of her advisory work, she is employed by LJS Group LLC, a legal entity related to advisory services, and is involved in coordinating care between CPAs and clients through Pennoptic CPAs and Strategic Partners. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide tailored, non-discretionary recommendations delivered in partnership with their financial advisors.

William Graham V is a financial advisor at Edward Jones with seven years of industry experience. He holds the Series 66 designation and previously worked at Bank of America, Merrill, and the Ludwig Institute for Cancer Research. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of over 23,000 financial advisors, offering a range of advisory programs and affiliated investment products.

Scott Bechtold is a financial advisor with Ameriprise, holding the ChFC® designation and Series 63 license, with 28 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of advisory work, he is involved in business ownership and management activities related to office operations and market research through entities such as LJS Group LLC. Ameriprise is a large institutional firm that offers a retirement-income planning service targeting individuals with substantial investable assets. The firm provides advisory, brokerage, and insurance solutions, delivering retirement-income recommendations through a centralized consulting team using research, modeling, and tax-efficiency analysis.

Michael Cornfield is a financial advisor with Edward Jones in Carlisle, PA, holding a Series 66 designation and 17 years of industry experience. He has worked at Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Wilbur Gordon is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he held roles at several companies including XFINITY, Archtelecom, and Shippensburg University. He was also the owner of Marketbid L.L.C., an e-commerce business selling cell phone accessories that ceased operations in April 2024. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of investment advisory programs and a large network of advisors and branch offices across the United States.

Kyle Petty is a CFP® professional affiliated with Cetera, bringing 11 years of industry experience. He has worked with Cetera Wealth Services, LLC since 2015 and currently serves as a financial representative at Orrstown Bank. Outside of his advisory role, Petty has been an NCAA men’s and women’s soccer official since 2012 and serves on the boards of Messiah Lifeways and Central Manor Campmeeting. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party managers.

Kimberly Heavner is a CFP® professional with 27 years of experience in the financial services industry. She has been with LPL Financial since 2021 and previously worked at M&T Securities, Inc. for 21 years. 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 range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Lucas Hockensmith is a financial advisor at Cambridge Investment Research Advisors with a Series 66 designation. He has been with Cambridge Investment Research since 2026. Prior to his advisory role, he operated a landscaping business for seven years and has been affiliated with the Defense Logistics Agency since 2010. Cambridge Investment Research Advisors serves a broad range of individual and institutional clients by providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm offers both discretionary and non-discretionary management through various platforms and proprietary model strategies.