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.

Bret Hoag is a financial advisor with Mariner based in State College, PA. He holds Series 63 and Series 65 licenses and has 21 years of industry experience. His prior work includes roles at Vantage Investment Advisors, Wells Fargo Advisors, Cetera Investment Services, and PNC Wealth Management. Mariner serves a diverse client base including individuals, pension plans, trusts, and corporations, providing investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm offers customized, discretionary portfolios supported by in-house research and third-party managers, along with integrated tax, accounting, and family office capabilities.

Benjamin Hulburt is a financial advisor with AE Wealth Management, LLC, holding a Series 65 credential and two years of industry experience. His prior roles include positions at Encompass More Asset Management LLC and Eclipse Resources Corporation. Outside of his advisory work, he is involved in several entrepreneurial ventures, including managing a digital marketing company and an online education platform focused on financial services, and serves as an instructor for the Council of Financial Educators. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a range of services such as model portfolio solutions, discretionary asset management, financial planning, and plan consulting, utilizing a platform-centered approach that combines models from multiple sources with advisor-managed strategies.

Carolyn Sharp is a financial advisor with TIAA-CREF, holding Series 63 and Series 66 designations and bringing 14 years of industry experience. She has worked at TIAA-CREF since 2017 and previously spent one year with Valic Financial Advisors. TIAA-CREF Individual & Institutional Services provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, frequently serving clients with existing relationships through TIAA-administered retirement plans. The firm separates its planning services from ongoing portfolio management and operates within a vertically integrated group offering affiliated funds and donor-advised fund advisory services.

Rebecca Haney is a financial advisor at Mariner with 16 years of industry experience and holds a Series 66 designation. Her prior roles include positions at Morgan Stanley, Vantage Investment Advisors, and Mariner Wealth Advisors. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement consulting, and coordinated tax services. The firm employs customized discretionary portfolios supported by an internal management team and offers integrated tax and accounting services alongside traditional portfolio management.

Jill Sutt is a financial advisor at Mariner with 26 years of industry experience and holds a Series 66 designation. She previously worked at Vantage Investment Advisors for 18 years before joining Mariner in 2018. Outside of her advisory role, she serves as Treasurer for the Tyrone Track & Cross Country Boosters in Altoona, PA. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement consulting, and tax services. The firm offers customized discretionary portfolios supported by both in-house research and third-party managers, along with integrated tax and accounting services and administrative family office capabilities.

Jerrod Smith is a financial advisor at TIAA-CREF with 15 years of industry experience. He holds the Series 66 designation and has been with TIAA-CREF since 2014. TIAA-CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, partnerships, and small retirement plans. The firm separates planning services from ongoing management and operates within a vertically integrated group that includes affiliated funds and donor-advised fund services.

Jenna Heimbaugh is a financial advisor at Creative Planning with 18 years of industry experience and holds a Series 66 designation. She has been with Creative Planning since 2016. Outside of her advisory work, she owns two small businesses focused on craft wreath making and jewelry repair. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various active and passive investment strategies.

Lauren Spigelmyer is a financial advisor at PNC Wealth Management with eight years of industry experience. She holds the Series 63 and Series 65 designations and has worked at PNC in various capacities since 2014, including roles in PNC Investments and PNC Bank. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital offering that uses algorithmic questionnaires to recommend investment strategies implemented via approved model portfolios.

Nicholas Accordino Jr. is a CFP® with 40 years of industry experience, currently serving at J.W. Cole Advisors, Inc. since 2017. He has also worked at Hornor, Townsend & Kent, Inc. and Diversified Asset Planners Inc. for multiple decades. In addition to his advisory role, he is a licensed fixed insurance agent. J.W. Cole Advisors is an SEC-registered investment adviser that serves individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, financial planning, access to third-party managers, and various managed account solutions.

Debra Martin is a financial advisor at TIAA-CREF with 29 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including First Commonwealth, Infinex Investments, Santander Securities, and PNC Investments. TIAA‑CREF Individual & Institutional Services, LLC provides financial planning and discretionary managed account programs to individuals, trusts, estates, partnerships, corporate entities, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning services and ongoing discretionary management through model and customized portfolios.

Debra Seaward is a financial advisor at Creative Planning with 15 years of industry experience. She holds the ChFC® and Series 66 designations. Prior to joining Creative Planning in 2025, she spent 15 years at Financial Abundance. Outside of advisory services, she is also licensed as an insurance agent and manages 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 emphasizing low-cost indexing and buy-and-hold strategies, supported by a large advisory team and a range of affiliated non-investment businesses such as an affiliated law firm, trust company, and retirement plan recordkeeping services.

Eric Tharp is a financial advisor at TIAA-CREF in State College, PA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has worked at TIAA-CREF since 2017 and at Santander Securities and Santander Bank from 2014 to 2018. TIAA-CREF Individual & Institutional Services, LLC’s Advice & Planning Services division offers financial planning and discretionary managed account programs primarily to individuals connected to TIAA-administered employer retirement plans, as well as trusts, estates, and small retirement plans. The firm distinguishes one-time financial planning from ongoing portfolio management, employing model portfolios or customized strategies under a fiduciary standard within a vertically integrated structure.

Will Benner is a CFP® with five years of industry experience, currently advising at Focus Partners Wealth, LLC. He previously worked at Modera Wealth Management, Independence Advisors, and CNB Bank. Outside of finance, he has experience in outdoor retail and collegiate environments, including a role at TCO Fly Fishing and positions at Hope College. Focus Partners Wealth, LLC provides wealth management and advisory services to individuals, high-net-worth families, family offices, and institutional clients. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

Joseph Gordon is a financial advisor with J. W. Cole Advisors, Inc., holding Series 63 and Series 65 designations and 17 years of industry experience. He has been with J. W. Cole Advisors and its affiliated entities since 2009. Outside of his advisory role, Gordon is a licensed fixed insurance agent and operates a financial services marketing business under the name J. Gordon Financial Services. J. W. Cole Advisors serves individual, high-net-worth, and institutional clients through a large network of independent investment adviser representatives. The firm offers fee-based portfolio management, financial planning, retirement plan services, third-party manager platforms, digital advice, and annuity sub-account management using a combination of discretionary and non-discretionary investment strategies.

James Karchner is a CFP® and PFS™ with 32 years of industry experience, currently serving at Mariner Wealth Advisors since 2020. Prior to that, he worked at Domani Wealth, LLC and PBWM Holdings, LLC. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, and charitable organizations through investment management, financial planning, retirement consulting, and access to specialized investment vehicles. The firm combines in-house research with third-party managers and offers integrated tax services, family office capabilities, and employer financial-wellness tools.

Carmine Scutti is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and 17 years of industry experience. He has been with Janney Montgomery Scott since 2009. Janney Montgomery Scott LLC is a large broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, offering brokerage services, financial planning, consulting, and various advisory programs through a combination of in-house and third-party portfolio management.

George Torruella is a financial advisor with Valic Financial Advisors, holding Series 63 and Series 66 designations and 27 years of industry experience. He has worked at several firms, including AIG Capital Services, Edward Jones, and Chase Investment Services Corp. Torruella is also appointed as an agent to sell non-securities insurance products. Valic Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors. The firm operates at scale with extensive technology and model solutions to support its advisors and clients.

Stephanie Bell is a financial advisor at J. W. Cole Advisors, Inc. with seven years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Grove Point Investments, Shute Battaglia Wealth Advisors, and H. Beck, Inc. Bell is a leadership team member of Destiny's Calling Ministries, a non-denominational ministry. 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 representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Benjamin Streator is an advisor at J. W. Cole Advisors, Inc. with a Series 66 designation and one year of industry experience. His work history includes roles at J.W. Cole Advisors, J.W. Cole Financial, Commonwealth University of Pennsylvania, and various positions in education and hospitality. 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 access to multiple third-party investment platforms for individual, high-net-worth, and institutional clients. The firm employs a combination of fundamental and technical analysis and offers both discretionary and non-discretionary account management.