Matthew Kloza is a financial advisor with LPL Enterprise in Harrisburg, PA, holding Series 63 and Series 65 designations and bringing nine years of industry experience. He previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Kloza also markets his LPL business under the name Forest Hills Financial Advisors. LPL Enterprise serves a diverse client base including individuals, retirement plans, nonprofits, corporations, and institutional clients through advisory and brokerage services. The firm offers financial planning, model portfolio access, third-party asset management, and a range of brokerage and insurance products via its integrated platform.

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.

Joel Myers is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a one-year tenure at WELLS FARGO Advisors, LLC. Outside of his advisory role, Myers serves on the finance board of Saint Joan of Arc Church in Hershey, PA, where he participates in overseeing the church’s finances. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a range of investment options including insurance-related vehicles and bank deposit sweep programs.

Benedetto Agostino is a financial advisor at Cetera with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera and its affiliated firms since 2014. Outside of his advisory role, he is a 50% owner of a rental property. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, and institutional accounts, offering various portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Stephanie Garner is a financial advisor with Primerica Advisors in Camp Hill, PA, holding Series 63 and Series 65 licenses and five years of industry experience. Her prior work history includes roles at PFS Investments Inc., Primerica Financial Services, and Secured Financials. She is also active as a part-time content creator on Facebook and TikTok. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-based investment strategies developed by third-party asset managers and supports account execution and custody through established custodians.

Ellis Grossnickle is a financial advisor with Cambridge Investment Research Advisors in Harrisburg, PA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He has been with Cambridge since 2010. Grossnickle serves as Treasurer and volunteer for the Dwight D. Eisenhower Society. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial-wellness services through a network of independent Financial Professionals, providing tailored investment solutions across various custody platforms and both proprietary and third-party model strategies.

Charlotte Thall is a financial advisor with Merrill and holds a Series 66 designation. She has 12 years of industry experience, having worked with Bank of America, N.A. and Merrill since 2014. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Douglas Berlin is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he serves on the finance committees of The Mohler Center and the Senior Citizens Center of Derry Township. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured conversations and approved tools, supporting a broad range of retail and institutional investment services.

Stephen Hocker is a financial advisor with LPL Financial in Harrisburg, PA. He holds a Series 66 designation and has two years of industry experience. Prior to joining LPL Financial, he worked at Members 1st Federal Credit Union in various roles over several years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios and research from internal and third-party sources.

Sebastian Sullivan is a CFP® professional with 14 years of industry experience currently serving at Cambridge Investment Research Advisors since 2012. He also holds leadership roles at Premier Wealth Management, including President of the firm and its affiliated Premier Network of Financial Advisors. Sullivan serves on multiple nonprofit and educational boards, including the Vincent J Lochetto Memorial Scholarship Fund and Bishop McDevitt. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base ranging from individuals to institutional retirement-plan sponsors. The firm offers financial planning, investment management, and advisory services through independent Financial Professionals who utilize a variety of portfolio management strategies and platform arrangements tailored to client objectives.

Drew Yerger is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. He has worked with Wienken Advisors, Ltd. since 2015 and has been with Mass Mutual Investors Services and Mass Mutual Life Insurance Company since 2009. Outside of his advisory role, he is a member of the board at the Harrisburg Area YMCA and is involved as an investor in a local golf simulator business. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers a range of specialized planning programs.

Jay Penica is a financial advisor with Ameriprise, holding a Series 66 designation and over 25 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2005. Outside of his advisory work, Penica is involved in alpaca husbandry as a breeder and fiber processor and serves on the Board of Directors for the Alpaca Owners Association, Inc. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to produce tailored recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated entities.

Michael Knous is a financial advisor at Charles Schwab with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Personal and Workplace Advisors and TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Eric Pasquini is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Pennian Bank and CUNA Brokerage Services, where he worked from 2009 to 2021 before joining Cetera in 2021. Cetera Investment Advisers LLC is a nationwide SEC-registered firm with over 10,000 advisors, serving individual, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and retirement services.

William Gekas is a financial advisor at Raymond James Financial with two years of industry experience. He holds a Series 66 designation and has worked in various roles since 2014, including positions at DoorDash Inc. and Penn State University. Gekas is also an associate at Financial Compass Group Inc., where he supports financial advisory services in a non-producing capacity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and advisory services supported by analytical tools and maintains unique affiliations, such as with a municipal advisor, to enhance its service offerings.

De Sean Longino is a financial advisor with Cetera based in Mechanicsburg, PA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior roles include positions at MassMutual, PFM Asset Management, Thrivent Financial, Northwestern Mutual, and others. Outside of his advisory work, he serves as president and a board member of Sandy Shores Inc., a charity focused on promoting financial literacy. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers portfolio management, financial planning, and various retirement services through multiple program platforms and a multi-manager investment approach.