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.

Jared Hammond is a financial advisor at Cambridge Investment Research Advisors with one year of industry experience. He holds a Series 66 license and previously worked at Cambridge Investment Research, Inc. for three years. Outside of his advisory role, he serves as a board member and volunteer at Interfaith Human Services. Cambridge Investment Research Advisors is a large SEC-registered firm that serves a diverse clientele including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of proprietary and third-party investment strategies tailored to client objectives.

Eric Toggart is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and 18 years of industry experience. He has been with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2007. Mass Mutual 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, utilizing firm-approved tools to deliver collaborative, goal-based recommendations.

Addison Bartlett is a financial advisor with Mass Mutual Investors Services in State College, PA, holding a Series 66 credential and 12 years of industry experience. He has worked with Mass Mutual Investors Services and MassMutual Life Insurance Co since 2014. Mass Mutual Investors Services 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 programs, focusing on collaborative, goal-oriented engagements using firm-approved analytical tools.

Eric Gaspich is a Financial Advisor at Merrill Lynch Wealth Management in the State College Branch. He works with families, business owners, and executives to develop personalized financial plans and investment strategies aligned with their goals, focusing on areas such as retirement planning, generational wealth building, and unique financial milestones. His expertise includes family wealth management strategies, legacy planning, managing new wealth, special needs planning strategies, tax minimization, and retirement income. Eric holds a Bachelor's Degree from Pennsylvania State University and has completed professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Prior to his career in financial services, he was involved with the Penn State community as the Penn State Mic Man. In addition to his professional work, Eric enjoys gardening, golfing, music, reading, spending time with his family, and traveling. He also communicates in American Sign Language (ASL), enhancing his ability to serve diverse clients.

Mark Taverno is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 credentials and having 14 years of industry experience. His career includes roles at TD Ameritrade and SCOTTRADE prior to joining Mass Mutual in 2019. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, with a focus on collaborative, goal-oriented planning using firm-approved analytical tools.

Zikun Cai is a financial advisor with Mass Mutual Investors Services in State College, PA, holding a Series 66 designation and seven years of industry experience. He has been with MML Investors Services and MassMutual since 2017, with prior experience at Penn State University. Mass Mutual 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 emphasizes collaborative, annual financial planning engagements using software tools to analyze goals and deliver written recommendations.

Thomas Maher is a Wealth Management Advisor at Merrill Lynch Wealth Management. He works with clients to develop personalized financial strategies tailored to their individual goals, combining investment insights from Merrill and banking services from Bank of America. His approach emphasizes understanding the full financial picture and creating flexible strategies that adapt to changing market conditions. Thomas holds several professional designations, including Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). He earned a Bachelor's Degree from Embry-Riddle Aeronautical University. Committed to community involvement, Thomas participates in volunteer activities with local organizations, reflecting the Merrill tradition of serving the communities where they work.

Kelly Ernico is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. Prior to joining LPL Financial in 2021, Ernico has worked with M&T Securities since 2013 and M&T Bank since 2006. Outside of finance, Ernico is involved with KC Kettle Corn, an unrelated 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 provides a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Charles Dreibelbis 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 Mass Mutual Investors Services and MassMutual Life Insurance Co since 1991. 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 utilizes firm-approved software for analysis and offers event-driven planning programs including divorce and estate-settlement planning.

Thomas Mc Keon is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. His work history includes roles at Bank of America, First Commonwealth Bank, and prior experience outside finance at Park Hills Golf Club, Saint Vincent College, and Primanti Brothers Restaurant and Bar. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Kenneth Johnson is a financial advisor with OSAIC, holding a Series 63 designation and bringing 25 years of industry experience. His prior roles include positions at Securities America Advisors, Inc. and Next Financial Group, Inc. He serves as Vice President of Hidden Hollow Cabin LLC and is involved with the Hope Fund of Penns Valley as a board member for marketing. OSAIC serves a diverse client base, including individual and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to various managed account solutions through a large network of affiliated advisors.

Mark Hood is a financial advisor with Cambridge Investment Research Advisors, holding a Series 66 designation and bringing 11 years of industry experience. He has worked with Cambridge Investment Research Advisors since 2015 and also serves as a senior engineer at Pennoni Associates, a role he has held since 2006. Additionally, he is an independent insurance agent for various companies. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, utilizing multiple platform arrangements and a range of portfolio management approaches.

Thomas Hall is a CFP® with 22 years of industry experience, currently serving at Morgan Stanley in State College, PA. He has held positions at Morgan Stanley Private Bank, Bank of America, and Merrill. He is also a board member of Rose Lake Investments, a private company. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs to individuals and institutions, focusing on tailored financial planning and a range of investment services. The firm manages approximately $2.74 trillion in client assets and provides planning supported by structured processes and firm-approved tools.

Thomas King is a CFP® with 28 years of industry experience, currently affiliated with Raymond James Financial Services Advisors, Inc. He is also the owner of King Financial Partners and King Wealth Strategies, LLC, firms he has led since 2012 and 2020 respectively. King occasionally serves as a broker for non-variable insurance products to maintain flexible options for his clients. 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 investors. The firm provides tailored, non-discretionary planning and consulting, utilizing advanced analytical tools and supports a broad network of advisors and affiliated firms.

Jared Lourdon is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and one year of industry experience. His work history includes roles at MassMutual Life Insurance Company, MML Investors Services, LLC, Weinken Wealth Management, and prior positions outside the financial sector in healthcare and manufacturing. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser subsidiary of MassMutual, providing 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 software and event-driven planning services.

Malcolm Parks is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has worked at Cetera and related entities since 2019 and previously at Infinex Investments from 2015 to 2019. Outside of his advisory role, he serves as the secretary for the Lady Patriots girls softball team. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Bree Musser is a financial advisor at Mass Mutual Investors Services with a Series 66 credential and three years of industry experience. Prior to joining the financial services industry, she worked for ten years at Stover's Furniture. Outside of her advisory role, she owns and operates Musser Farms Lamanchas, a dairy goat farm specializing in raising and showing dairy goats. 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 offers a range of programs including wrap and money-manager services, with financial planning engagements structured as annual, collaborative relationships.

Beth Loop is a financial advisor at Merrill with 28 years of industry experience. She has been with Merrill since 2013 and holds Series 63 and Series 66 designations. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.