Scott Stephan is a financial advisor with Ameriprise in Lancaster, PA, holding Series 63 and Series 65 credentials and 34 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, he serves as Chief Operating Officer of GSCO LLC and is a board member at large for the Penn Manor Education Foundation. Ameriprise offers retirement-income planning services targeting individuals nearing or in retirement with significant investable assets, delivering non-discretionary, research-driven recommendations that integrate tax-efficient strategies and adaptive withdrawals. As a large institutional firm, Ameriprise provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Sean Ferguson is a financial advisor with Edward Jones, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has been with Edward Jones since 1998. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including a broad range of household types, pension plans, corporate clients, and charitable organizations. The firm offers a variety of advisory programs, discretionary and non-discretionary strategies, and affiliated investment products, operating under a fiduciary standard.

Zachary Drayer is a financial advisor with Raymond James Financial Services Advisors, holding a Series 66 designation and six years of industry experience. He previously worked at BNY Mellon and held various roles at Saint Francis University before joining Raymond James. Drayer is also a partner and owner of DDMP Management, LLC. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting through a wide advisor network, supporting municipal and public-finance work and recently expanding its SIMPLE IRA Employer Advisory and Consulting Services program.

Kirsten Rodriguez is a financial advisor with Wells Fargo Clearing and holds a Series 66 designation. She has nine years of industry experience, including twelve years at Morgan Stanley before joining Wells Fargo in 2026. 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 offers both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and third-party sources.

Gregory Malin is a financial advisor with Raymond James Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Raymond James Financial since 2009 and also has a long tenure at Fulton Bank beginning in 2008. Outside of his advisory work, he is an associate at Fulton Financial Advisors. Raymond James Financial Services Advisors, Inc. offers financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm employs a tailored, non-discretionary approach using analytical tools and supports municipal and public-finance work, along with specialized advisory programs.

Matthew Kloza is a financial advisor at LPL Enterprise with nine years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. Outside of his advisory role, he markets his LPL business under the name Forest Hills Financial Advisors. LPL Enterprise, LLC provides investment advisory and brokerage services to a wide range of clients, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers access to third-party asset managers and financial planning services.

William Duval is a financial advisor at Wells Fargo Clearing with one year of industry experience. He holds a Series 66 designation and has worked previously at Morgan Stanley Private Bank, Morgan Stanley, Delta Dental of Colorado, and Apex Systems LLC. 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 combines research from Wells Fargo Investment Institute with diversified investment strategies.

Robert Innerst is a financial advisor with LPL Financial in Mechanicsburg, PA, holding a Series 66 designation and six years of industry experience. He previously worked at Ameriprise and The York Water Company. Outside of his advisory role, he is involved with Innerst Capital Management LLC and GeoRoJo Enterprises, which are not investment-related businesses. 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 various portfolio programs, supported by both proprietary research and third-party subadvisors.

Daniel Brixius is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and possessing 26 years of industry experience. His prior roles include positions at VOYA Financial Advisors, Inc. and Locust Street Securities, Inc. In addition to advisory work, he coaches sport and fitness activities at Elizabethtown College. Cambridge Investment Research Advisors serves both individual and institutional clients, including pension and charitable organizations, by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports various management approaches and provides access to proprietary model strategies and unaffiliated third-party advisers.

Natalie Kratzer is a financial advisor with Thrivent Investment Management in Hummelstown, PA. She holds a Series 66 designation and has 15 years of industry experience, including over a decade with Thrivent Financial for Lutherans and its investment management division. Outside of her advisory role, she operates a business selling nail and beauty products and serves on the board of Friends of Lantern Hill, an educational and feeding program in Baja California, Mexico. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations on a broad range of financial planning topics without implementation. The firm’s approach integrates planning with managed-account programs through a consolidated billing option while maintaining separate services.

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.

James Lehman is a financial advisor with Ameriprise in New Cumberland, PA, holding a Series 66 designation and 11 years of industry experience. He has been with Ameriprise and its affiliated entities since 2014. Outside of his advisory role, Lehman owns a charter business, JW Charter, in New Cumberland. Ameriprise offers retirement-income planning services targeted at individuals approaching or in retirement with substantial investable assets, combining research and modeling to deliver personalized, non-discretionary recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Alan Knepper Jr. is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and has previously worked at Pactiv Evergreen, Nexii Building Solutions, and Mauch Chunk Trust Company. Outside of advisory work, he has engaged in rideshare activities with Uber and Instacart. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate and charitable entities. The firm employs model-driven investment approaches, offers financial planning and access to third-party asset managers, and facilitates insurance sales through affiliated entities.

Joel Myers is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory work, he serves on the finance board of Saint Joan of Arc Church in Hershey, PA. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with a broad range of brokerage and advisory solutions.

Wai Au is a CFA® charterholder and Series 66 licensed advisor with Ameriprise in York, PA, bringing four years of industry experience. Prior to joining Ameriprise in 2022, Wai worked at Volvo Group and served in various roles including positions in education and the arts. Wai is also involved with LPPO, LLC, providing financial advisory and investment management services. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement income planning and tax-aware withdrawal strategies. The firm employs a collaborative approach using proprietary research and algorithmic tools to deliver tailored recommendations within a defined investment framework.

Solomon Becker is a CFP® with 41 years of industry experience, currently affiliated with LPL Financial. His career includes roles at firms such as Grove Point Investments, H. Beck, Inc., and Wenger Feeds. Outside his advisory work, he has been involved with Wenger Feeds in both recent and earlier periods. 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 and brokerage services, including financial planning and access to third-party asset management, supported by a large network of over 22,800 advisors and stewardship of more than $819 billion in discretionary assets.

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.

Melanie Olsen Simon is a financial advisor with Ameriprise who holds Series 63 and Series 65 licenses and has 29 years of industry experience. She has been with Ameriprise and its affiliate since 2005. Simon serves on the Boards of Directors for the Cincinnati Brass Band and Crossmen Productions Inc. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which focuses on dependable income and tax-aware withdrawal strategies.

Marisa De Hoff is a financial advisor with Ameriprise in York, PA, holding a Series 66 designation and seven years of experience at Ameriprise. Her background includes roles at The Pennsylvania State University, WellSpan Philhaven, and the York County School District. She serves on the boards of YWCA York's Junior Board and the Turning Point Board. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendations and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.