Daniel Seal II is a financial advisor with Primerica Advisors in Strasburg, PA, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked at PFS Investments Inc. since 2017 and was self-employed for 14 years prior. Seal also has over 30 years with Primerica Financial Services. Outside of advisory services, he is involved in sales of loan products and home security and automation services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and limited discretionary separately managed accounts to individual and high-net-worth clients. The firm curates third-party asset managers, delegates trading to BNY Mellon Advisors, and employs a tiered wrap-fee structure.

Joseph Lundy is a financial advisor at Merrill with 44 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill since 1982, including concurrent service at Bank of America since 2010. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Rebecca Hansen is a financial advisor at Merrill with 13 years of industry experience and holds a Series 66 designation. She has been with Merrill since 2007. Outside of her advisory role, she serves as an advisory board member and coach for the Red Lion Cheer Club, a nonprofit organization. She is also involved as a stylist with Color Street, a business selling nail strips. 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 investment strategies for individuals, high-net-worth clients, and various institutional investors.

Jonathan Williams is a financial advisor at Edward Jones in Oxford, PA, holding the Series 63 and Series 65 designations with two years of industry experience. He previously worked with Florida Financial Advisors (DBA Tristate Financial Advisors) and has held roles in various firms including Nyle Maxwell and Capstone Logistics. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions supported by a nationwide network of financial advisors and branch offices.

Kevin Hoogenboom is a financial advisor with Wells Fargo Clearing in Lancaster, PA, holding a Series 66 designation and eight years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously was employed by Clark Construction Group, LLC from 2014 to 2017. Outside of his advisory role, he serves as a consultant for Yale University School of Nursing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

David Tate is a financial professional with 11 years of industry experience, currently affiliated with Cetera. He holds the ChFC® and Series 66 designations. Prior to joining Cetera in 2023, he worked at Securian Financial Services and Minnesota Life. Outside of his advisory work, he serves as a preacher for a small congregation, delivering monthly sermons. Cetera is an SEC-registered adviser operating a nationwide network of over 10,000 independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through multiple program platforms and third-party managers.

Frederick Waller is a CFP®-credentialed financial advisor with 24 years of industry experience, currently affiliated with Cetera. He has worked at Cetera Wealth Services, LLC since 2025. Outside of his advisory role, he serves as treasurer on the board of Bright Side Opportunities Center, a nonprofit focused on youth and health wellness. Cetera Investment Advisers LLC is an SEC-registered advisor serving a broad client base including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of investment programs, discretionary and non-discretionary management, and access to third-party money managers.

Curtis Shambaugh is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been affiliated with Cetera and its related entities since 2013. Outside of his advisory role, he operates Shambaugh Financial LLC, providing financial services. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management and consulting services, with access to multiple program structures and third-party managers.

John Muscalus III is a financial advisor with Ameriprise in Lancaster, PA, holding a Series 66 designation and 21 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Outside of advisory work, he is involved in managing business entities including Spencer Good LLC and Milton Rose, LLC, and serves as a check signer for a condominium association where he holds property ownership. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service that provides written recommendation reports and annual retirement planning focused on dependable income and tax-aware withdrawal strategies. The firm's investment approach incorporates internal research, third-party data, and algorithmic tools, operating within an affiliated product ecosystem and offering managed accounts that disclose certain economic relationships.

Justin Rzucidlo is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked at several firms including Concourse Financial Group Securities Inc and Vision Financial Services. In addition to his advisory role, he serves as chapter president of a nonprofit organization, Referral Partners Plus, and is a member of the Pennsylvania Army National Guard. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party managers across various program structures.

Shannon Gorham is a financial advisor at Raymond James Financial with a Series 66 designation and two years of industry experience. Prior to this role, Gorham worked at Fulton Financial Advisors and has been involved with Folk Financial, LLC, a non-investment related support company. 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 advice using analytical tools and supports its recommendations through various advisory programs.

James Ritchey is a financial advisor at LPL Financial in Lancaster, PA, holding Series 63 and Series 66 licenses with 28 years of industry experience. His prior roles include positions at Cambridge Investment Research and Principal Financial Services. He is involved with LTC Planning Plus, a business related to long-term care planning. 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 model portfolio programs, supported by technology tools and a broad network of over 22,800 advisors.

Ronald Sultzbach is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2018 and previously spent six years with SSN Advisory, Inc. and Securities Service Network. Outside of his advisory work, he organizes and coaches a free youth football camp. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse client base including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a range of discretionary and non-discretionary investment solutions across multiple platforms.

Christopher Eccles is a financial advisor at Thrivent Investment Management in Lancaster, PA, with three years of industry experience. He holds the Series 66 designation and has worked previously at Bank of America, Merrill, The Vanguard Group, and operated his own business prior to joining Thrivent. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, providing holistic, goal-based analyses and written recommendations on a variety of financial planning topics without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option while keeping the services separate.

Jonell Walker is a financial advisor at LPL Financial with 11 years of industry experience and holds the Series 66 designation. Prior to joining LPL Financial in 2025, Jonell worked at firms including Wells Fargo Clearing and Janney Montgomery Scott. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party resources to support client portfolios.

Eric Groff is a CFP® and ChFC® with 34 years of experience in the financial services industry. He is currently affiliated with Cetera and has prior experience at Concourse Financial Group Securities Inc and Everence Trust Company. Outside of his advisory work, he occasionally sells handcrafted woodworking items. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts, offering a range of portfolio management and financial planning services through a nationwide network of independent advisors. The firm operates a multi-manager platform that provides access to affiliated and third-party managers and various program structures.

Nicholas Downey is a financial advisor at Merrill with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Merrill since 1997 while also working at Bank of America since 2011. Outside of his advisory role, he volunteers with the Rotary Club of Lancaster, a nonprofit international service organization. Merrill, along 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Alexis Lucas is a financial advisor with LPL Financial in Lancaster, PA, holding a Series 66 license and three years of industry experience. Prior to joining LPL Financial, Alexis worked at Landis Financial Advisors, Morgan Stanley, and Santander Bank. Outside of advisory work, Alexis is a commissioned notary in the State of Pennsylvania. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of financial planning and investment services delivered through a large network of investment adviser representatives, utilizing various model portfolios, third-party subadvisors, and customized strategies.

Douglas Mac Cormack is a financial advisor with Raymond James Financial who holds a Series 66 designation and has 21 years of industry experience. He has worked at Raymond James Financial Services Advisors, Inc. since 2009 and at Fulton Bank since 2018. Outside of his advisory role, he works part-time as a scout for the Dubuque Fighting Saints hockey team on the East Coast. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional investors. The firm provides tailored, non-discretionary planning supported by analytical tools and maintains a notable affiliation with a municipal advisor that supports its public finance activities.

Marcos Herrera Inostroza is a financial advisor at Edward Jones with nine years of industry experience. He previously worked at Ameriprise Financial LLC and Merrill Lynch Pierce Fenner & Smith LLC. He holds the Series 66 designation. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices.