Brittany Shulman is a financial advisor with Merrill in State College, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill, she worked at Agua Vivir and has been involved in hospitality as a server and bartender at Hotel State College & Company since 2015. She also owns an online health and fitness coaching business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients, utilizing model-based and discretionary strategies for a range of clients including individuals, pension plans, and charitable organizations.

Adam Duff is a financial advisor with Mass Mutual Investors Services in State College, PA. He holds Series 63 and Series 65 credentials and has 23 years of industry experience. Duff has been with MML Investors Services and Mass Mutual Financial Group since 2004. Outside of his advisory role, he works as an insurance agent for individual and group life and health products as well as fixed annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and offers a range of programs including educational seminars and specialized planning services.

Matthew Shetler is the Senior Resident Director of the Merrill Lynch State College Office, where he serves in a dual role as both a financial advisor and a leader. He leads the DRSMK Wealth Management Group, which manages and coordinates the financial affairs of a select group of families, executives, business owners, companies, and individuals across 44 states. His work focuses on adding clarity and simplification to clients' financial lives and guiding them through various aspects of financial well-being with a team approach. He has been in the financial services industry since 2006 and rejoined Merrill Lynch Wealth Management in 2013. Prior to that, he worked in the Private Bank at Credit Suisse in New York City, advising and trading client portfolios, including domestic and international equities and listed options. Matthew is a graduate of Pennsylvania State University with a Bachelor's degree and holds several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Matthew is an active member of the community, sitting on various committees and serving as a board member of the Centre Region Estate Planning Council. He is also involved with the Tides Program. He lives in the State College area with his wife Lauren and their three children, Sloane, Benjamin, and Vivian.

Garrett Hryn is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2023, he worked at CNB Financial Corporation from 2019 to 2023. Outside of his advisory work, he participates with his brother in a joint eBay account selling used clothing and sports memorabilia. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Ryan Hollis is a financial advisor with Cetera, holding a Series 66 designation and over 25 years of industry experience. His career includes roles at VOYA Financial Advisors and Cetera Wealth Services, LLC, as well as operating Hollis Financial Services, LLC since 2013. Outside of his advisory work, he volunteers as an assistant coach for a youth soccer league in Mifflin County. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform, enabling advisors to utilize affiliated and third-party investment models or create customized strategies.

Terry Varner is a financial advisor with Mass Mutual Investors Services in State College, PA, holding a Series 63 designation and 43 years of industry experience. He has been with Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 1997. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, annual financial planning engagements supported by firm-approved analytical tools, along with specialized programs including estate-settlement, employer-sponsored planning, and a standalone Divorce Planning service.

Chris Hosterman is a financial advisor with Mass Mutual Investors Services in State College, PA, holding Series 63 and Series 66 designations and possessing 21 years of industry experience. He has been with MML Investors Services, Inc. and Mass Mutual Financial Group since 2004. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and structured, collaborative planning engagements.

Daniel Corbett is a financial advisor at Edward Jones in Burnham, PA, holding a Series 66 designation with one year of industry experience. Before joining Edward Jones in 2025, he worked in various roles including at Confer's Jewelers and Mull Information Servies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Cynthia Karcher is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over four decades of experience since beginning her career in 1977. She serves as a Portfolio Manager, providing discretionary management of personalized strategies that incorporate individual securities, Merrill model portfolios, and third-party investment solutions. Leveraging the Total Merrill Platform and a disciplined Wealth Management Process, Cynthia offers tailored strategic recommendations to address clients’ diverse and complex financial needs. Cynthia holds a Bachelor of Arts degree in Economics, cum laude, from Dickinson College, where she was recognized as an Anthony Math Scholar and a Dana Scholar. She has completed coursework through the Wharton School of the University of Pennsylvania and maintains multiple FINRA registrations, including Series 3, 7, 8, 63, and 65. Cynthia also holds the Chartered Retirement Planning Counselor® (CRPC®) designation. Her areas of focus include portfolio management, retirement planning, college education planning, family wealth management strategies, and investment consulting for defined contribution plans, among others. In addition to her professional responsibilities, Cynthia has actively contributed to community organizations. She has served on the Board of Trustees of Garvey Manor Our Lady of the Alleghenies and as an Advisory Board member for Catholic Charities in the Diocese of Altoona-Johnstown. Cynthia resides in Hollidaysburg, Pennsylvania, with her family and engages in personal interests such as antiquing, biking, gardening, skiing, swimming, tennis, traveling, and spending time with her husband and their three children.

Michael Weaverling is a financial advisor with Mass Mutual Investors Services in State College, PA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked with MML Investors Services, Inc. and Massachusetts Mutual Life Insurance Company since 1996. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative annual planning engagements using firm-approved tools and also features specialized programs including divorce planning, estate settlement, and employer-sponsored planning.

Clinton Imes is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 65 licenses and has nine years of industry experience. His prior roles include positions at Mariner Wealth Advisors and Vantage Investment Advisors. He also holds an administrative position at Kish Bank, supporting representatives through a strategic alliance with MassMutual. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and collaborative annual planning processes.

Nina Cowart is a Senior Financial Advisor at Merrill Lynch Wealth Management with 27 years of comprehensive experience in the retirement plan industry. She began her career working for a small third-party administrator where she spent 17 years developing expertise in qualified plan compliance from a back office perspective. Prior to joining Merrill Lynch, Nina served as a Retirement Plan Advisor for Empower Retirement, focusing on the Pennsylvania State Employees Retirement System 457(b) Deferred Compensation Plan. In this role, she educated and counseled participants across state agencies. Nina's extensive background allows her to effectively bridge communication among participants, plan sponsors, record keepers, and third-party administrators, serving as a trusted liaison to ensure the seamless operation of retirement plans. In addition to retirement plans, she works directly with individual clients, offering personalized guidance to assist them in achieving their financial goals. She holds a bachelor's degree in Accounting and Actuarial Studies from Thiel College and professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Nina is a member of the American Association of University Women (AAUW). Outside of her professional life, Nina enjoys crafting, traveling, gardening, antiquing, yoga, and spending time with her husband Devlon and their two children in the Lock Haven area.

Ryan Mostyn is a Wealth Management Advisor at Merrill Lynch Wealth Management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Ryan earned a Bachelor of Science degree in Business Marketing from Indiana University of Pennsylvania, where he also played baseball and was named the 2009 IUP Student-Athlete of the Year. His areas of expertise include executive compensation, family wealth management strategies, managing new wealth, personal retirement planning, philanthropic planning, tax minimization, and retirement income. He applies his understanding of financial markets to develop risk-managed strategies tailored to each client's goals. Outside of his professional career, Ryan is an avid outdoorsman who enjoys baseball, fishing, football, golfing, hunting, and softball. He is involved with Little League International and dedicates time to youth sports and supporting community causes. Ryan lives in Spring Mills with his wife, Jayde, and their three sons.