Shelby Mulberger is a financial advisor with Morgan Stanley in Williamsport, PA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process includes structured discovery conversations and firm-approved tools, focusing on advisory services without individual security recommendations as part of standalone plans.

Robert Crockett is a financial advisor with MassMutual Investors Services and holds the ChFC® and Series 63 designations. He has 39 years of industry experience, including over 30 years with MassMutual and MML Investors Services. Crockett is also the owner of a business assisting with FAFSA forms and serves as a trustee for a nonprofit focused on economic development. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers annual, collaborative financial planning engagements supported by firm-approved software and various specialized planning programs.

Stephen Lowe is a financial advisor with Cetera, holding Series 63 and Series 65 registrations and bringing 23 years of industry experience. He has previously worked with Voya Financial Advisors and currently operates through 5 Guys Financial LLC. Outside of his advisory work, he serves as a treasurer for the Sunland Drive Homeowners Association and coaches youth baseball for Danville Little League. Cetera Investment Advisers LLC is an SEC-registered firm that offers a multi-manager platform serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm provides discretionary and non-discretionary portfolio management, financial planning, and access to multiple program structures, supporting over 10,000 advisors and roughly 800,000 clients.

Rhett Merchant is a financial advisor with Morgan Stanley in Williamsport, PA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His career includes roles at Merrill and Wells Fargo Clearing before joining Morgan Stanley Smith Barney in 2013 and later Morgan Stanley Private Bank in 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured tools and advanced modeling techniques, serving clients through both direct and corporate agreements.

Curtis Fay is a CFP®-designated financial advisor with 13 years of industry experience, currently affiliated with Cetera. His prior experience includes roles at Voya Financial Advisors and The Comprehensive Financial Group. He is also an active member of the South Williamsport Lions Club, participating in community fundraising activities such as raffle and barbecue ticket sales. Cetera Investment Advisers LLC is an SEC-registered firm supporting a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, serving individual, retirement plan, corporate, charitable, and institutional clients.

Sherri Huber is a financial advisor at Edward Jones with two years of industry experience and holds the Series 66 designation. She has been with Edward Jones since 2004. Outside of her advisory role, she is a consultant for Rodan + Fields, a beauty and skin care company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment strategies and services, managing approximately $1.01 trillion in assets through a large network of financial advisors and branches nationwide.

Noah Huffman is a financial advisor at Morgan Stanley in Williamsport, PA, holding a Series 66 designation. He has been with Morgan Stanley since 2022, with prior experience including roles at Lycoming College and several other short-term positions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer managing approximately $2.74 trillion in client assets. The firm offers a wide range of advisory programs and financial planning services to individuals and institutional clients, employing structured planning tools and models as part of its investment approach.

Philip Sunderland is a financial advisor with Raymond James Financial, holding a Series 66 designation and 13 years of industry experience. He previously worked at Edward Jones for 14 years before joining Raymond James in 2026. Sunderland also serves as an adjunct faculty member teaching accounting at Lycoming College. 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, corporations, and institutional clients. The firm uses analytical tools and risk profiling to tailor planning and consulting and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Robert Lario is a financial advisor with Merrill, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has worked at Merrill since 1993 and has been affiliated with Bank of America, N.A. for 15 years. Outside of his advisory role, he serves as a power of attorney for his parents. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jarrett Jones is a CFP® with six years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He is also co-owner and financial advisor at Moff and Associates, where he manages client relationships and oversees daily operations. Prior to joining OSAIC, he worked at Woodbury Financial Services Inc. and held various roles in education and corporate sectors. OSAIC serves a broad range of clients, including individual and institutional investors, offering integrated brokerage and advisory services through a large network of advisors. The firm employs a variety of asset-allocation tools and third-party platforms to construct diversified portfolios tailored to client risk tolerance and investment goals.

Hayden Swinehart is a financial advisor with Cetera, holding a Series 66 designation and beginning his industry experience in 2026. He has prior experience working at Susquehanna University and Mary Washington University. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse investment program options.

Jose Serra is a financial advisor at Cambridge Investment Research Advisors with 42 years of industry experience. He has worked at Cambridge since 2016 and previously at Wells Fargo Advisors from 2007 to 2016. Outside of his advisory role, Serra serves as an elder board member of Agape Fellowship of the Mennonite Church, where he helps direct the activities and finances of the local church. Cambridge Investment Research Advisors is a large SEC-registered firm serving a broad range of clients, including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing various portfolio management strategies and platform arrangements tailored to client objectives.

Richard Mutchler is a financial advisor with Ameriprise, holding Series 63 and Series 65 credentials and possessing 25 years of industry experience. He has been with Ameriprise since 2012. Outside of his advisory work, he serves on the board of directors for Valley View Nursing Home and is involved in a maintenance and accounting review business, Percy and Southern, LLC. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement, providing tailored recommendation reports that address income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis to deliver non-discretionary, algorithm-assisted advice primarily for clients with significant investable assets.

Michael Schick is a financial professional with 33 years of industry experience, currently affiliated with Cetera. He holds Series 63 and Series 65 designations and has held roles at Cetera since 2021, as well as prior experience at Voya Financial Advisors and Founders Federal Bank. Outside of his advisory work, Schick is involved as a managing partner and owner of Dad's Hat Inc., an employee benefits business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and consulting services, supporting a network of over 10,000 advisors and managing assets exceeding $256 billion.

Christine Engel is a financial advisor with Raymond James & Associates in Williamsport, PA, holding a Series 66 designation and 21 years of industry experience. She worked at Merrill from 1996 to 2017 before joining Raymond James in 2017. Engel is also listed as the owner of Mountie Holdings LLC, a rental real estate business managed by her spouse. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers non-discretionary financial planning and investment consulting, utilizing a range of portfolio management styles supported by in-house research and sub-advisers.

Alexander Worhacz is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 13 years of industry experience. He has worked with M&T Securities since 2012 and M&T Bank since 2011 alongside his current role at LPL Financial. 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 services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Debra Moff is a financial advisor at OSAIC with five years of industry experience. She holds the Series 66 designation and has previously worked at Woodbury Financial Services Inc and Williamsport Hospital. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various portfolio construction tools and third-party platforms to offer diversified investment solutions.

Ryan Eck is a financial advisor at Mass Mutual Investors Services with six years of industry experience. He holds a Series 66 designation and has worked at firms including LPL Financial and Cetera Investment Services. Outside of finance, he was involved in a family coal business for over a decade. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, and charitable organizations. The firm provides ongoing financial planning, asset management, and educational programs, emphasizing collaborative annual planning engagements and offering specialized services such as divorce and estate-settlement planning.

Steven Bair is a financial advisor at Edward Jones with four years of industry experience. Before joining Edward Jones in 2021, he worked in construction and related industries for over 35 years. Outside of his advisory role, he occasionally works as a photographer specializing in portrait, wedding, and landscape photography. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors, offering a range of discretionary and non-discretionary investment strategies and affiliated financial services.

Kyle Snyder is a financial advisor with Raymond James & Associates in Williamsport, PA, holding a Series 66 designation and two years of industry experience. Prior to joining Raymond James, he worked at the Lewisburg YMCA and the Miller Center. Outside of advising, Snyder assists seasonally with his family's farm, Robert Snyder Farms. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers tailored financial planning and investment consulting through various programs, supported by extensive research and multiple portfolio management styles.