David Hardin is a financial advisor at City Center Advisors, LLC with six years of industry experience. He holds a Series 65 designation and is also a member of Einsteinian AI LLC, a non-investment-related business. Hardin has been involved with City Center Advisors and affiliated entities since 2016. City Center Advisors provides discretionary investment management, financial planning, and retirement plan services to individuals, businesses, and qualified retirement plans. The firm utilizes Modern Portfolio Theory and offers a unified managed account program that incorporates model portfolios, third-party managers, and sub-advisors.

Alex Micknis is a CFP® and Series 66-registered advisor with two years of industry experience. He currently works at The AmeriFlex Group and has prior experience with Cambridge Investment Research, Inc. and OSAIC. Outside of his financial career, he has served as an assistant manager for the volunteer program at the Hinterland Music Festival and has completed intermittent contracts with Live Nation handling box office and credentials. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates. The firm offers customized portfolio management, financial planning, third-party money manager selection, and retirement plan consulting, utilizing model asset allocations, discretionary and non-discretionary manager relationships, and multiple custody platforms.

Scott Barber is a financial advisor at The AmeriFlex Group with 22 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining AmeriFlex, he worked at Cambridge Investment Research, OSAIC, Securities America, and Investacorp. Outside of his advisory role, Barber is involved in tax preparation through his own firm and volunteers as a youth soccer referee and coach. He also serves on the executive board for the local Boy Scouts of America council. The AmeriFlex Group is an SEC-registered investment adviser that serves individuals, corporations, and retirement plans through a network of advisory affiliates. The firm offers portfolio management, financial planning, third-party money manager selection, and retirement plan consulting, delivering customized strategies via model asset allocations, discretionary and non-discretionary manager arrangements, and various wrap program solutions.

Shawn Amblod is a CFP® professional with 18 years of experience in financial advising. He is currently with Empower Advisory Group and has worked previously at firms including LPL Financial LLC, GWFS Equities Inc., and Advised Assets Group LLC. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and participants, as well as Empower Premier IRA and certain retail brokerage clients. The firm’s services are integrated with Empower’s recordkeeping and administrative platforms and focus on long-term portfolio returns, annual rebalancing, and clients’ savings rates.

Daniel Fishbone is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and 28 years of industry experience. He has been with Janney Montgomery Scott since 2005. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a broad range of clients, including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering brokerage services, financial planning, consulting, and multiple advisory programs.

Jordan Russell is a CFP® with seven years of industry experience, currently serving at Janney Montgomery Scott. His background includes prior work with Russell Stone Products and an academic tenure at Pennsylvania State University. Outside of his advisory role, he is active in community organizations, serving as President of Friends of Curwensville Lake and Vice President Elect of the Junior Chapter of the DuBois Chamber of Commerce. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base with a broad range of financial services, including portfolio management and trustee capabilities.

Mark Luchesa is a financial advisor with Private Advisor Group, LLC and holds Series 63 and Series 65 credentials. He has 31 years of industry experience and has been with Private Advisor Group since 2011. He also operates Marcello Wealth Management, Inc., where he is involved with life and health fixed annuities. Additionally, Luchesa serves on the board of the Marcello Charitable Trust. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, providing a range of portfolio management and financial planning services. The firm employs a fiduciary-based advisory model, utilizing both proprietary and third-party investment platforms to deliver customized solutions.

Michael Mumau is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 63 designation and possessing 42 years of industry experience. His career includes roles at Swift Kennedy & Associates and Underwriters Brokerage, among others. Outside of his advisory work, he is a part owner of Punx’y Beverage Company, which sells cider, mead, and wine. Ameritas Advisory Services, LLC provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers asset management, financial planning, and retirement plan advisory through various program platforms and leverages third-party managers and technology to customize portfolios.

Candice Waxler is a financial advisor with Janney Montgomery Scott, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She previously worked at Edward Jones and Cetera Wealth Services. Waxler serves as Vice President of the Downtown Dubois Group, a nonprofit focused on promoting and developing the downtown area of DuBois, PA. Janney Montgomery Scott is a large enterprise firm managing approximately $110 billion in client assets, serving a diverse clientele including individuals, families, trusts, estates, and institutional clients. The firm provides a range of brokerage, financial planning, and advisory services, utilizing a combination of in-house and third-party portfolio management across multiple programs.

Kathryn Ho is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Janney Montgomery Scott since 2007. She holds a Series 66 license and is based in DuBois, PA. Outside of financial advising, she serves as Secretary for the DuBois Area Baseball Booster Club. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse clientele, including individuals, families, trusts, corporate and retirement plan sponsors, and charitable organizations, offering brokerage services, financial planning, and advisory programs.

Mary Ruth Wilson is a financial advisor with Janney Montgomery Scott in DuBois, PA, holding a Series 66 designation and 21 years of industry experience. She has been with Janney Montgomery Scott since 2016. Outside of her advisory role, she serves as Chairman of the Board for the Tri County Church of God in Du Bois, overseeing governance and financial matters. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base, including individuals, families, trusts, corporate sponsors, and municipal clients, offering a range of brokerage, financial planning, and advisory services supported by centralized asset management and custody capabilities.

Abby Gross is a CFP®-certified financial advisor with nine years of industry experience. She is currently with Eagle Strategies (a New York Life company) and also owns Beechwoods Financial Solutions, under which she sells New York Life products and brokers non-registered insurance products. Prior to joining Eagle Strategies in 2025, Abby held roles at NYLIFE Securities LLC and New York Life Insurance Company. Eagle Strategies serves a diverse client base, including individual and institutional clients, offering services such as financial planning, investment management, and retirement-plan advisory. The firm provides tailored advice through multiple program types and manages a significant portion of assets on a non-discretionary basis within an integrated New York Life affiliate structure.

John Yount is a financial advisor at Janney Montgomery Scott with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Janney Montgomery Scott since 2005. Janney Montgomery Scott LLC is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves a diverse client base including individuals, families, trusts, estates, corporate and retirement plan sponsors, charitable organizations, and municipal clients, offering a range of brokerage services, financial planning, and advisory programs.

Eric Britton is a financial advisor with OSAIC Institutions, INC. holding Series 63 and Series 65 credentials and has 20 years of industry experience. He has worked at Infinex Investments, Inc. since 2015 and at First Commonwealth Insurance/Advisors since 2002. Britton also dedicates time to the First Commonwealth Bank Trust Division providing trust services. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments, operating with a hybrid adviser/broker-dealer structure and a platform that includes lending solutions and third-party asset manager referrals.

Stephanie Sedor is a financial advisor at OSAIC with five years of industry experience. She has previously worked at Woodbury Financial Services and Robert Javens Financial Advisors & Wealth Strategies. Outside of her advisory role, she is a member of the Rotary Club of Dubois and has experience working in a family-owned greenhouse. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with a range of investment options and utilizes various tools and third-party platforms to support portfolio construction and management.

Anthony Torretti is a financial advisor at Cetera with 23 years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with Cetera and its related entities since 2013. Cetera Investment Advisers LLC serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a range of portfolio management and retirement services, overseeing more than $256 billion in assets under management.

Joseph Rearick is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and 11 years of industry experience. He previously worked at Pruco Securities, LLC for 10 years and has been associated with Encompass Financial Group LLC since 2009. Outside of his advisory role, he serves as an associate producer for Encompass Financial, offering insurance and related financial services. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, and institutional entities. The firm’s approach emphasizes model-driven investment implementation and access to third-party asset managers, along with financial planning, insurance product sales, and affiliated trust custody and lending services.

Charles Johnson is a financial advisor with Cetera, holding the ChFC® designation along with Series 63 and Series 65 licenses, and has 38 years of industry experience. His prior work includes roles at Kovack Advisors, Inc., Kovack Securities, Inc., and Guardian Planners. He is the author of a book titled *Chuckonomics* and is involved in founding a political action committee aimed at promoting constitutional amendments related to political accountability. Johnson also serves as a board member for the Dubois Continuum of Care, a nursing facility. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform allowing advisors to implement model portfolios, select third-party managers, or create bespoke strategies, with program options ranging from automated allocations to unified managed accounts.

David Alberts is a financial advisor at Ameriprise with two years of industry experience. Prior to joining Ameriprise in 2023, he held roles at CNB Bank, Farmers National Bank, Penn State Dubois, and PNC Bank. He serves on the boards of the Dubois YMCA and the Dubois Free Medical Clinic and coaches a high school boys volleyball team. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendations primarily for clients with significant investable assets. As a large institutional firm, it provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Michael Haskins is a financial advisor with Mass Mutual Investors Services in Dubois, PA, holding a Series 63 designation and 37 years of industry experience. He previously worked at Metlife Securities Inc. for 29 years before joining MassMutual Life Insurance and Mass Mutual Investors Services. Outside of advising, he is licensed as an agent for life, property/casualty, and health insurance. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management services, utilizing firm-approved analytical tools and maintaining collaborative, ongoing client relationships.

Jennifer Hamilton is a CFP® professional with 13 years of industry experience, currently advising at OSAIC. She previously worked at Lincoln Financial Securities Corporation and Woodbury Financial Services, Inc. In addition to her advisory role, she operates a business offering traditional life insurance and fixed annuities. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations through a wide network of advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing firm-provided asset-allocation tools and third-party solutions to construct and manage portfolios across various asset classes.

Jonah Watt is a financial advisor at OSAIC with Series 63 and Series 66 credentials and one year of industry experience. He has worked at OSAIC Wealth Inc and SKG Wealth Management since 2024 and previously owned an independent personal lines insurance agency selling home and auto insurance. His background also includes roles at FedEx and DuBois Country Club. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services along with access to multiple investment platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management.

Caroline Rearick is a financial advisor with LPL Enterprise who holds Series 63 and Series 65 licenses and has 29 years of industry experience. She worked at Pruco Securities, LLC from 1996 to 2024 before joining LPL Enterprise in 2024. Outside her advisory role, she is involved as a financial planner with Prudential Advisors in Dubois, PA. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, retirement plans, and institutional entities. The firm employs a model-driven investment approach and offers services such as financial planning, access to third-party asset managers, and participation in a wrap program.

Robert Love Jr. is a Certified Financial Planner (CFP®) with 19 years of industry experience. He currently works at Cetera and serves as founder of Love Financial, LLC, where he provides financial planning and investment advisory services. His prior experience includes ten years at Securities America Advisors, Inc. and CNB Bank. Cetera Investment Advisers LLC is an SEC-registered adviser with a large nationwide network of independent advisors, serving individual clients, retirement plans, corporate and charitable entities, and institutional accounts through a variety of portfolio management and consulting services.

Samuel Perrin is a financial advisor with Cetera, holding a Series 66 designation and five years of industry experience. He has been with Cetera Wealth Services since 2021 and is also a partner at Clyde Ferraro & Co LLP, a CPA firm specializing in tax and audit compliance. Outside of his advisory role, he serves on the finance committees of a regional ambulance service and a local Catholic organization, and is an at-large board member for a Boy Scouts council. Cetera Investment Advisers LLC is an SEC-registered advisor serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various investment management and consulting services through a multi-manager platform, featuring both affiliated and third-party managers across multiple program structures.

William Cuba Jr. is a financial advisor with OSAIC, holding a Series 66 credential and 26 years of industry experience. His prior work includes 13 years at Woodbury Financial Services, Inc. He serves on the board of The Arc of Clearfield and Jefferson Counties, a charitable organization supporting individuals with intellectual and mental disabilities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services through a large network of advisers, employing tools such as asset-allocation models and automated rebalancing to construct portfolios across various asset classes.

William Smith is a financial advisor at LPL Financial with 37 years of industry experience. Prior to joining LPL in 2025, he worked with Grove Point Advisors, LLC and Grove Point Investments, LLC for a combined 22 years. Outside of his advisory work, he is active as a home-based musician. 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, model portfolios, third-party asset management, and institutional platforms.

Robert Monkelis is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. His career includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, with prior experience at Ameriprise. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, and institutional entities. The firm employs a model-driven investment approach, offering financial planning, access to third-party asset managers, and participation in wrap programs.

Melissa Smith is a financial advisor with LPL Financial in Dubois, PA, holding a Series 66 designation and three years of industry experience. She previously worked at Grove Point Advisors LLC and has longstanding involvement with Investors Resource Services and Grove Point Investments LLC. Outside of her advisory work, she is also active as an artist and musician. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

Melinda Sherry is a financial advisor at Edward Jones in DuBois, PA, holding a Series 66 designation with three years of industry experience. She previously worked at Matson Insurance Agency for seven years before joining Edward Jones. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, discretionary and non-discretionary wrap fee strategies, and affiliated mutual funds. The firm manages over $1 trillion in assets and operates a nationwide network of financial advisors and branch offices.

Zachary Evock is a financial advisor with Ameriprise in Reynoldsville, PA, holding a Series 66 designation and 14 years of industry experience. Prior to joining Ameriprise in 2020, he worked at PNC Investments for six years. Outside of his advisory role, he is connected to Copper Cabin Farm LLC, a livestock sales business owned by his wife. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Kyle Haskins is a financial advisor at MassMutual Investors Services with nine years of industry experience. He holds the Series 63 and Series 65 designations and has been with MassMutual and its affiliates since 2014. MassMutual 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 uses technology-driven analysis and offers a range of planning programs, including estate and employer-sponsored planning.

Zachary Dippold is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Cetera Financial Specialists LLC since 2013. 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 range of portfolio management and financial planning services, utilizing a multi-manager platform with various program options and custodial relationships.

Terry Hartnett is a financial advisor with Mass Mutual Investors Services, holding a Series 63 designation and 40 years of industry experience. He has worked with MetLife Securities Inc. since 1986 and has been with Mass Mutual Investors Services since 2017. Hartnett is also involved in the sale of life insurance and fixed insurance products. MassMutual 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, delivering collaborative annual planning engagements using firm-approved analytical tools.

Alec Johnson is a financial advisor at Cetera with one year of industry experience. He holds a Series 66 designation and has worked at Cetera and its affiliated entities since 2024. Outside of his advisory role, he teaches social studies to 11th and 12th grade students at Fairfax County Public Schools. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios, with over $256 billion in assets under management.

James Curtis is a financial advisor at OSAIC with 36 years of industry experience. He holds the Series 63 designation and has previously worked at Woodbury Financial Services and Ameritas-related firms. Curtis is also the owner of Swift Kennedy Financial, an insurance business focused on non-securities products, and is a member of the Jefferson Investment Club. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services with a range of investment options and third-party platforms. The firm employs asset-allocation tools and automated rebalancing to construct portfolios tailored to clients’ risk tolerance and investment restrictions.

Kerry Kinter is a financial advisor with Cetera, holding a Series 63 designation and bringing 31 years of industry experience. He has been with Cetera Financial Specialists LLC and Cetera since 2013. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services, operating a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Matthew Nerone is a financial advisor with OSAIC, holding the Series 66 designation and bringing 23 years of industry experience. His career includes roles at Woodbury Financial Services, Ameritas Life Insurance Corp, Ameritas Investment Corp, and Swift Kennedy Insurance Group. He is also licensed as an independent insurance agent, selling fixed insurance products. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm utilizes advanced asset-allocation tools and multiple third-party platforms to manage portfolios across various investment types.