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.

Emanuel Strategos is a financial advisor with Mass Mutual Investors Services in York, PA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and previously worked at METLIFE Securities Inc. from 2001 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning, asset management, and educational services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm structures financial planning as annual, collaborative engagements using firm-approved software to analyze client goals and generally recommends investment categories and strategies.

Joshua Walters is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a prior role at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery conversations and proprietary tools, focusing on advisory services without directly recommending individual securities as part of standalone plans.

Edward Bird is a CFP®-certified financial advisor with over 21 years of industry experience. He is currently with LPL Financial and has previously worked at Lincoln Financial Advisors, M&T Securities, MTBIA, and M&T Bank. Outside of his advisory work, he owns a collectibles business. 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 wide range of advisory services, including financial planning and access to model portfolios and third-party asset managers, supported by a large network of investment adviser representatives and technology tools.

Shannon Bender is a financial advisor with LPL Financial in York, PA, holding Series 63 and Series 65 licenses and 17 years of industry experience. Her prior work includes roles at Members 1st Federal Credit Union, CITIZENS Bank, and PNC Investments. 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 a large network of investment adviser representatives.

Nakhaiya Jacobs is a financial advisor with Ameriprise in York, PA, holding a Series 66 designation and four years of industry experience. Prior to joining Ameriprise, Jacobs attended The Pennsylvania State University and Hanover Senior High School. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Richard Brown is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He previously worked with Avantax Investment Services, 1st Global Advisors, and Avantax Insurance Services. Outside of his advisory work, he plays baritone horn in a German band that performs for church events. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios as well as customizable investment strategies.

Thomas Mcilwee is a financial advisor with Morgan Stanley in York, PA, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney since 2011 and with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Kara Reisser is a Series 66 licensed financial advisor with Edward Jones in York, PA, where she has worked since 2019. She has four years of industry experience and previously worked at Heritage Hills Athletic Club, Real Estate Education Center, CR Consulting, and Morex Ribbon. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charities. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment strategies through a large national network of advisors and branch offices.

Robert Bowen is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, Bowen serves in several finance and audit committee positions for local nonprofit organizations, including acting as chairman of the Endowment Committee at Advent Lutheran Church and treasurer for the SpiritTrust Lutheran Foundation. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Rebecca Gebhart is a financial advisor with Morgan Stanley in York, PA, holding a Series 63 designation and 19 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and has worked at Citigroup Global Markets since 2000. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing tools such as Secular Return Estimates and Monte Carlo simulations.

Ty Wilkinson is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in networking with realtors and supporting business acquisitions through alternative financing solutions tailored to real estate and business transactions. He collaborates with a team of specialists to provide goals-based wealth management services to families, accomplished professionals, and successful business owners, focusing on delivering customized advice and a disciplined investing approach. Wilkinson's expertise includes college education planning, divorce transition planning, personal retirement planning, tax minimization, and retirement income strategies. He holds a bachelor's degree from Shippensburg University. A lifetime resident of central Pennsylvania, he describes himself as passionate, caring, and ambitious, and values cultivating long-term client relationships by providing exceptional service. Outside of work, his interests include hunting, music, skiing, swimming, and watching movies.

Scott Litten is a financial advisor with Osaic Wealth, Inc. in York, PA, holding a Series 63 designation and 36 years of industry experience. His prior work includes roles at Signator Investors, Inc. and Transamerica Financial Advisors. Outside of his advisory role, he owns and operates Litten Financial Group, LLC, which offers variable investments, health insurance, fixed life insurance, and annuities, and also runs a Medicare Insurance Enrollment Center. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm provides brokerage and advisory services across multiple programs with an investment approach centered on model-based asset allocation, portfolio optimization, and various managed account strategies.

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.

Shay O’neill is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and beginning their advisory career in 2026. Prior to this role, O’neill has worked in various positions including at The Coca-Cola Company, Western New England University, and Ardor Fitness. Outside of finance, they have experience with Quabbin Soccer Academy and other community organizations. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm offers both one-time and ongoing planning engagements and integrates planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Abby Henry is a financial advisor with Edward Jones in Columbia, PA, holding a Series 66 credential and seven years of industry experience. She has been with Edward Jones since 2018 and has previous experience in healthcare organizations including York Memorial Hospital and UPENN-Lancaster General Health. Outside of her advisory role, she has been involved in a direct sales network marketing business related to energy savings. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Kyle Newton is a financial advisor with Edward Jones in York, PA, holding a Series 66 designation and beginning his advisory career in 2025. Prior to joining Edward Jones, he worked at Listrak for ten years. 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 under management through a large network of advisors and branch offices, offering a range of advisory programs and tax-efficient services under a fiduciary standard.

F. Joseph Feeney Jr. is a CFP® professional with 27 years of experience, currently affiliated with Cetera since 2025. His prior experience includes long-term roles at Avantax Advisory Services and related entities, as well as his own Gunpowder Financial Services LLC, where he provides tax preparation and accounting services. Outside of finance, he serves as treasurer for the Old Wharf Condominium Association and is a member of the Optimist Club of Timonium, MD. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a nationwide network of independent advisors. The firm offers various portfolio management services and operates a multi-manager platform, providing access to affiliated and third-party managers with a broad range of program options.

Derek Nowak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He began his career with Merrill Lynch in 2007 as a summer intern and has since developed his expertise across various facets of personal finance. Derek's professional designations include Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He leverages his experience to assist clients with areas such as college education planning, corporate benefits, family wealth management strategies, retirement income, and portfolio management services. Derek graduated from Franklin and Marshall College with a major in business and a minor in economics and earned his MBA from Pennsylvania State University. He is a member of several professional organizations including the Financial Planning Association of Central PA, Historic St. Mary's Church in Lancaster, PA, Lancaster Science Factory, and Pennsylvania Dutch Council, Boy Scouts of America. His community involvement includes a decade-long commitment to the board of the Lancaster Science Factory, volunteering as a DAT captain with the Red Cross, serving as Cubmaster for the local Cub Scouts pack, and supporting his children's sporting activities. Originally from Lancaster, PA, Derek has a strong connection to his community and balances his professional career with personal interests like camping, running, and swimming. He is married to his high school sweetheart and together they have four children.

Wendy Livingston is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. She has worked at firms including LPL Financial, Peoplesbank, and currently serves at Cetera and Orrstown Bank dba Orrstown Financial Advisors. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management and financial planning services, managing over $256 billion in assets across more than 10,000 advisors.