Amy Dalton is a financial advisor with Morgan Stanley in State College, PA, holding Series 63 and Series 65 licenses and possessing 21 years of industry experience. She has been with Morgan Stanley and its affiliated entities since 2009. Dalton also serves as a trustee or co-trustee for a trust in Reedsville, Pennsylvania. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and firm-approved tools, supporting clients through advisory services without offering individual security recommendations as part of standalone plans.

Luke Lorenz is a financial advisor with Primerica Advisors based in State College, PA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with PFS Investments Inc. and Primerica Financial Services since 1999 and also has a role with the State College Area School District. Outside of advising, he is a singer in a band named Rama Lama and is the owner of Ashland Knox LLC. Primerica Advisors is a large-scale advisory firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm offers a wrap-fee asset management program featuring model-driven strategies managed by third-party asset managers and supported by custodial and trade execution services from BNY Mellon Advisors and Pershing.

Patricia Aguer is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney since 2020, and previously spent ten years at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets through structured planning processes and diverse investment offerings.

Jamie Horner is a financial advisor at Osaic with 11 years of industry experience. He holds a Series 66 designation and has previously worked at Securities America Advisors, Inc. and Next Financial. Outside of his advisory role, Horner is involved in preconstruction management for warehouse construction through Hillwood Construction Services, Inc. Osaic Wealth, Inc. serves a diverse group of clients including individual and high-net-worth investors, pension plans, corporations, and charities through a large network of affiliated advisers. The firm offers integrated brokerage and investment advisory services with access to multiple platforms and third-party money managers, employing tools such as asset-allocation modeling and automated portfolio rebalancing.

Daniel Aiello is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. He has worked at LPL Financial since 2009 and previously held positions at Mutual Service Corporation, First Allied Advisory Services, Inc., and FFP Advisory Services Inc. Outside of his advisory role, he is involved with Culbertson Financial Services, focusing on the business development of individual and group health, life, and disability insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of financial planning, asset management, and institutional platforms with a variety of investment strategies and operational tools.

Janet Palmatier is a financial advisor at Ameriprise with 23 years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliates since 2005. Outside of her advisory role, she serves on the Board of Directors and as a Consistory member of Faith United Church of Christ. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Pamela Hassinger is a financial advisor with Merrill based in State College, PA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. She has been with Merrill Lynch for 28 years. 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. The firm offers model-based and discretionary strategies developed by internal and third-party teams, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Bret Buterbaugh is a CFP®-designated financial advisor with Mass Mutual Investors Services, where he has worked since 1991, totaling 37 years of industry experience. He is based in State College, PA. Outside of his advisory role, he is involved in managing real estate investments through several personal and partnership ventures. Mass Mutual Investors Services 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 emphasizes annual, collaborative financial planning using firm-approved analytical tools and offers various programs including money-manager and wrap fee options.

James Wang is a financial advisor at Raymond James & Associates with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James since 2016. Outside of his advisory role, he is a silent partner in BDS Coolbreeze, LLC, and serves on the advisory board of Great Lakes Land Holdings, LLC, a company involved in the sale and rental of storage units. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, pension plans, and municipalities—and offers non-discretionary financial planning and consulting supported by proprietary research and a range of investment strategies.

Kyle Buterbaugh is a financial advisor at MassMutual Investors Services with 11 years of industry experience. He holds the ChFC® designation and the Series 66 license. Prior to his current role, he served in the United States Air Force reserves from 2010 to 2018. MassMutual Investors Services operates as a broker-dealer and SEC-registered investment adviser affiliated with MassMutual, 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 using firm-approved analytical tools and offers specialized planning services such as divorce and estate settlement planning.

Nanette Hall is a financial advisor at Morgan Stanley in State College, PA, holding a Series 66 license with 16 years of industry experience. She has been with Morgan Stanley since 2013. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning using structured processes and a range of advisory programs, managing approximately $2.74 trillion in client assets.

Brodie Dalton is a financial advisor with Morgan Stanley in State College, PA, holding a Series 66 designation and 15 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2011 and at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is an officer of Getty's Ridge Rod and Gun Club, a fishing, camping, and hunting organization in Pennsylvania. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through direct plans and corporate financial planning agreements.

Adam Fiore is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has been serving clients since 2011. Prior to joining Merrill Lynch, Adam gained five years of management experience operating his family’s business. He works with individuals, families, and business owners to develop customized financial strategies that incorporate retirement and education planning, trust and estate planning services, and tax minimization strategies in collaboration with clients' CPAs and attorneys. Adam holds the CERTIFIED FINANCIAL PLANNER® (CFP) and Certified Plan Fiduciary Advisor® (CPFA) designations. He received a bachelor's degree in Finance from West Virginia University in 2006 with a focus on security analysis, portfolio management, economics, and accounting. He is a member of the Financial Planning Association. Outside of his professional work, Adam lives in Hollidaysburg with his wife, Laura, and their daughter, Ava. He is involved in his community through the Keystone Girls Softball League. Adam's personal interests include boxing, cooking, fishing, football, golfing, hunting, music, softball, spending time with family, and watching movies.

Tina Yarnell is a financial advisor at Raymond James Financial with 19 years of industry experience. She holds the Series 66 designation and has been with Raymond James Financial Services Advisors since 2015. Yarnell is also associated with King Wealth Strategies LLC, where she serves as a registered branch professional. 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, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning approaches using analytical tools and supports municipal and public finance work through its affiliation with a municipal advisor.

Kirk Aguer Sr. is a financial advisor with Morgan Stanley Wealth Management, holding Series 63 and Series 65 credentials and bringing 54 years of industry experience. His prior work includes roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. Outside of advisory work, he is involved in property management and construction through his partnership in Aguer Nobori Properties. Morgan Stanley Wealth Management serves individual and institutional clients with a broad range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and modeling techniques while offering both direct and employer-sponsored financial plans.

Thomas Muldoon is a financial advisor at Cetera with 24 years of industry experience. He holds a Series 66 designation and has worked at Cetera and affiliated firms since 2020. Prior to that, he was associated with Pensionmark Securities, Pensionmark Financial Group, CapFinancial Securities, and L.R. Webber Associates. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, managing over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Christopher Jones is a financial advisor at Morgan Stanley with 25 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2002. Outside of his advisory role, he is the sole proprietor of a property management business in State College, Pennsylvania. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers tailored financial planning and a variety of advisory programs, managing approximately $2.74 trillion in client assets.

Richard Branco Jr. is a financial advisor with Ameriprise in State College, PA, holding Series 63 and Series 65 licenses and 35 years of industry experience. He previously worked at TIAA and TIAA-CREF for 21 years before joining Ameriprise in 2026. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Robert Radzwich is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 2000, he has worked with families, individuals, and institutions to develop long-term financial strategies aimed at preserving and enhancing their wealth. He focuses on understanding clients' needs and goals through comprehensive communication to guide financial planning that improves their quality of life. Robert holds several professional designations, including CERTIFIED FINANCIAL PLANNER®, Chartered Retirement Planning Counselor™, Certified Plan Fiduciary Advisor®, Personal Investment Advisor, Retirement Benefits Consultant, and Sports & Entertainment Accredited Wealth Management Advisor. He earned both his bachelor's and master's degrees in Exercise Physiology from The Pennsylvania State University. In addition to his professional work, Robert is engaged in community activities such as The Pennsylvania Pink Zone and the Nittany Mountain Bike Association. He enjoys outdoor fitness activities including biking, hiking, and running. Robert lives in Pennsylvania Furnace with his wife Maddi and their three daughters.

Tracey Childers Gummo is a CFP® certified financial advisor with 33 years of industry experience. She is currently with Cetera and has previously worked with Voya Financial Advisors and LFM Wealth Management. Outside of her advisory role, she is active in several nonprofit organizations, including serving as treasurer for the State College Order of the Eastern Star and as a board member and treasurer for the nonprofit All The Beautiful Things. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform enabling advisors to implement a range of investment strategies with discretionary and non-discretionary options across various program structures.