Karen Shute is a CFP® and ChFC® with 44 years of industry experience. She is currently with J.W. Cole Advisors, Inc. and J.W. Cole Financial, Inc., having joined in 2023. Prior to that, she worked at Grove Point Investments, LLC and Grove Point Advisors, LLC from 2021 to 2023, and H. Beck, Inc. from 2013 to 2021. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Alyssa Peterson is a financial advisor at Mariner with a Series 65 designation and two years of industry experience. She has worked with Mariner since 2022 and previously held roles at Reliance Bank and Palm Beach Tan. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm combines in-house research with third-party managers to deliver customized portfolios and provides integrated tax and accounting services uncommon among large advisory firms.

Kevin Munnell is a CFP® with 29 years of industry experience, currently serving at VALIC Financial Advisors since 1998 and also associated with Agia since 2022. He is based in Bellefonte, PA, and holds Series 63 and Series 66 licenses. Outside of his advisory work, he is active as a church musician, playing organ, piano, and trumpet, and serves on the finance committee of St. John Lutheran Church. VALIC Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet UMA models for portfolio construction and management.

Robert Mitchell is a financial advisor at TIAA-CREF with 13 years of industry experience. He holds the Series 66 designation and has been with TIAA and TIAA-CREF since 2015. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans. The firm serves clients often connected through TIAA-administered employer retirement plans and acts as adviser to a donor-advised fund, offering a combination of planning and ongoing portfolio management within a vertically integrated structure.

Nicholas Battaglia is a CFP® with 10 years of industry experience, currently affiliated with United Planners Financial Services of America as a Limited Partner. He previously worked at Grove Point Advisors LLC and AssetMark Financial Holdings, among other firms. Battaglia operates a marketing DBA, Battaglia Associates Wealth Advisors, and is also active as a non-variable insurance agent. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base including individuals, retirement plans, corporations, and institutional clients. The firm offers advisory and brokerage services primarily delivered through independent representatives, with a focus on client-directed, non-discretionary account management.

Nicholas Webb is a financial advisor with TIAA-CREF in State College, PA, holding Series 63 and Series 65 licenses and six years of industry experience. His prior work includes roles at Citizens Securities, Inc., Citizens Bank, and George Stone's State Farm Insurance. TIAA‑CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing TIAA-administered employer retirement plans.

Ronald Beyer is a CFA® charterholder with 12 years of industry experience, currently serving at Mariner since 2018. He previously worked at Vantage Investment Advisors, LLC from 2013 to 2018. Beyer is active in his community as Treasurer of the Centre County United Way and President of the State College Sunrise Rotary Club. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and access to pooled vehicles and third-party managers. The firm employs discretionary, customized portfolios supported by an internal investment committee and integrates tax and accounting services uncommon for its enterprise scale.

Jason Foytack is a financial advisor at TIAA-CREF with 27 years of industry experience. He holds the Series 63 and Series 65 designations and has been with TIAA-CREF since 2006. He serves on the board of directors for Saint Joseph's Catholic Academy, advising on policies, strategy, and fundraising. TIAA-CREF Individual & Institutional Services offers financial planning and discretionary managed account programs primarily to individuals connected to employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm’s advisory model distinguishes between one-time planning services and ongoing discretionary management and operates within a vertically integrated structure that includes affiliated funds.

Adam Khalifa is a financial advisor with Citizens Securities, Inc., holding Series 63 and Series 66 licenses and nine years of industry experience. He has worked at Citizens Securities since 2022 and previously held roles at CUNA Brokerage Services and CUNA Mutual Group. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors, offering investment advisory programs alongside brokerage and insurance services. The firm provides a digital advisory program based on ETF portfolios and a Managed Account program, while also operating as a broker-dealer and insurance agency.

Christina Bater is a CFP® and Series 65 license holder with five years of industry experience. She is currently with Corient, where she has worked since 2023, and previously spent twelve years at Barrett Asset Management, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach, integrating in-house strategies with third-party managers and utilizing risk management tools and alternative investment options.

Taylor Leitzell is a financial advisor with J. W. Cole Advisors, Inc. in State College, PA, holding Series 66 and Series 63 credentials and eight years of industry experience. He has been with J. W. Cole Financial, Inc. since 2018 and started with J. W. Cole Advisors in 2026. Outside of his advisory role, he is involved in Americana Auto, LLC, assisting with vehicle sales, and is a member of Keystone Health Insurance Solutions, LLC, a health insurance agency. J. W. Cole Advisors operates a large network of independent Investment Adviser Representatives and offers fee-based portfolio management, financial planning, retirement plan services, and third-party manager platforms for individuals, high-net-worth clients, and institutions. The firm utilizes a variety of investment strategies and digital advice platforms, serving clients on both discretionary and non-discretionary bases.

Ashton Immel is a financial advisor at Creative Planning with 12 years of industry experience. He previously worked at Financial Abundance for 14 years before joining Creative Planning in 2025. Immel holds a Series 65 credential and is also licensed as an insurance agent, servicing existing insurance contracts. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, while offering supplemental approaches such as direct indexing and tax-loss harvesting.

Theodore Oyler is a CFP® with 28 years of industry experience, currently affiliated with J. W. Cole Advisors, Inc. He has worked at Jonathan Roberts Advisory Group, Inc. since 2011 and at Hornor, Townsend & Kent, Inc. since 1998. Outside of his advisory roles, he is a partner in Oyler LP, a real estate investment venture focused on student condominiums in State College, PA. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, with investment decisions made on a discretionary or non-discretionary basis.

Andrea Motter is a financial advisor at Mariner with a Series 65 credential and experience spanning roles at Mariner, Woodlands Bank, Lock Haven University, and Central Mountain High School. She has been with Mariner since 2021. Mariner serves a diverse range of clients, including individuals, pension plans, trusts, charitable organizations, and corporations, offering investment management, financial planning, retirement consulting, and coordinated tax services. The firm utilizes discretionary, customized portfolios supported by an internal team and third-party managers, and provides specialized services such as tax compliance, administrative CFO capabilities, and a financial wellness platform for employers.

Alicia Moore is a financial advisor with J. W. Cole Advisors, Inc. She holds Series 65 and Series 63 licenses and has nine years of industry experience. Moore has been affiliated with J.W. Cole Financial, Inc. and Diversified Asset Planners, Inc. since 2016. J.W. Cole Advisors operates a large network of independent Investment Adviser Representatives and offers fee-based portfolio management, financial planning, retirement plan services, digital advice, and annuity sub-account management for individual, high-net-worth, and institutional clients. The firm uses a variety of investment strategies and custodial platforms to implement client solutions.

Donald Calcagni is a CFP® professional with 21 years of industry experience, currently serving at Mercer Global Advisors Inc. since 2015. He is a member of the Advisory Council for CAIS Capital LLC, providing guidance on product design and development, and chairs the Finance Committee for the Lock Haven University Foundation, advising on its finances and investment portfolio. Mercer Global Advisors offers investment advisory and planning services to individuals, families, business owners, and nonprofit organizations, employing a globally diversified, risk-appropriate investment approach grounded in Modern Portfolio Theory. The firm provides a range of portfolio management and planning services, supported by various implementation options and a public content program including podcasts and market commentary.

John Battaglia is a financial advisor with UNITED PLANNERS' FINANCIAL SERVICES of AMERICA, holding Series 66 and Series 63 licenses and bringing 32 years of industry experience. He has been associated with United Planners since 2024 and also owns Battaglia Associates Wealth Advisors. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm delivers advisory and brokerage services through independent representatives using multiple custodians, third-party money managers, and platform programs.

Debra Guerrero is a ChFC® with 29 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC since 1999. She is also the proprietor of Financial Directions, where she is involved in life and health insurance sales. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, emphasizing client-directed implementation and oversight through third-party asset manager platforms and financial planning.

Douglas Garban is a financial advisor with SPC in State College, PA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior work includes roles at Bank of America, Merrill, and Regulus Advisors. He operates Garban Wealth Management, offering financial services in addition to his advisory role. SPC serves a diverse client base including high-net-worth individuals, charitable organizations, corporations, and retirement plans, managing approximately $5.66 billion in assets. The firm provides portfolio management, financial planning, and ERISA-related retirement plan services through a network of over 460 advisors.

Rubin Nichols is a financial advisor at Creative Planning with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Financial Abundance, Inc. and Entrepreneur Development Inc. Nichols is also licensed as an insurance agent, providing service on existing insurance contracts. Creative Planning offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and supplemental investment techniques, supported by a broad range of affiliated non-investment businesses.