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.

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.

Brittany Shulman is a financial advisor with Merrill in State College, PA, holding a Series 66 designation and three years of industry experience. Prior to joining Merrill, she worked at Agua Vivir and has been involved in hospitality as a server and bartender at Hotel State College & Company since 2015. She also owns an online health and fitness coaching business. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients, utilizing model-based and discretionary strategies for a range of clients including individuals, pension plans, and charitable organizations.

Adam Duff is a financial advisor with Mass Mutual Investors Services in State College, PA. He holds Series 63 and Series 65 credentials and has 23 years of industry experience. Duff has been with MML Investors Services and Mass Mutual Financial Group since 2004. Outside of his advisory role, he works as an insurance agent for individual and group life and health products as well as fixed annuities. Mass Mutual Investors Services 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 and offers a range of programs including educational seminars and specialized planning services.

Matthew Shetler is the Senior Resident Director of the Merrill Lynch State College Office, where he serves in a dual role as both a financial advisor and a leader. He leads the DRSMK Wealth Management Group, which manages and coordinates the financial affairs of a select group of families, executives, business owners, companies, and individuals across 44 states. His work focuses on adding clarity and simplification to clients' financial lives and guiding them through various aspects of financial well-being with a team approach. He has been in the financial services industry since 2006 and rejoined Merrill Lynch Wealth Management in 2013. Prior to that, he worked in the Private Bank at Credit Suisse in New York City, advising and trading client portfolios, including domestic and international equities and listed options. Matthew is a graduate of Pennsylvania State University with a Bachelor's degree and holds several professional designations, including Chartered Financial Analyst (CFA), CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified Exit Planning Advisor (CEPA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Matthew is an active member of the community, sitting on various committees and serving as a board member of the Centre Region Estate Planning Council. He is also involved with the Tides Program. He lives in the State College area with his wife Lauren and their three children, Sloane, Benjamin, and Vivian.

Christopher Bahr is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 credentials and with 34 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2008. Bahr is also active as an independent insurance agent with Athlon Advisors and operates under the DBA Athlon Wealth Advisors. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including 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 Financial Professionals, utilizing a range of portfolio management approaches and platform arrangements tailored to client objectives.

Garrett Hryn is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Prior to joining Merrill in 2023, he worked at CNB Financial Corporation from 2019 to 2023. Outside of his advisory work, he participates with his brother in a joint eBay account selling used clothing and sports memorabilia. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

Brian Guglielmi is a financial advisor with Ameriprise in State College, PA, holding Series 66 and Series 63 credentials and bringing 25 years of industry experience. Prior to joining Ameriprise in 2023, he worked at TIAA and TIAA-CREF for 17 years. He is also the owner of G&G Enterprises, LLC, a real estate business. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with written recommendations and ongoing advice.

Terry Varner 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 Massachusetts Mutual Life Insurance Company and Mass Mutual Investors Services since 1997. 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 offers collaborative, annual financial planning engagements supported by firm-approved analytical tools, along with specialized programs including estate-settlement, employer-sponsored planning, and a standalone Divorce Planning service.

Chris Hosterman is a financial advisor with Mass Mutual Investors Services in State College, PA, holding Series 63 and Series 66 designations and possessing 21 years of industry experience. He has been with MML Investors Services, Inc. and Mass Mutual Financial Group since 2004. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved software and structured, collaborative planning engagements.