Nyi Htoon is a CFA® charterholder and the sole advisor at Step Forward Financial in Lewistown, PA, with one year of experience at the firm and a decade of prior experience at Prudential Financial. He manages a family partnership that oversees investments for his and his siblings' families without compensation. Step Forward Financial provides financial planning and investment consultation services focused on advice rather than discretionary management, serving individuals and families with recommendations centered on low-cost index funds and ETFs. The firm’s approach involves a holistic assessment of clients’ financial situations and offers an hourly fee structure without asset-based or performance fees.

Peter Pecora is a financial advisor at CreativeOne Wealth, LLC with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including MassMutual of Greater Philadelphia and The Prudential Insurance Company of America. In addition to his advisory role, he is also an insurance agent with Vantage Point Life. CreativeOne Wealth provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm uses a combination of proprietary ETF-based models, third-party managers, and option strategies, supporting tailored assessments and regular portfolio rebalancing.

Karen Shute is a CFP® and ChFC® with 44 years of industry experience. She is currently with J.W. Cole Advisors, Inc. and J.W. Cole Financial, Inc., having joined in 2023. Prior to that, she worked at Grove Point Investments, LLC and Grove Point Advisors, LLC from 2021 to 2023, and H. Beck, Inc. from 2013 to 2021. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Adam Khalifa is a financial advisor at Citizens Securities, Inc. with nine years of industry experience. He holds Series 63 and Series 66 registrations and has worked at Citizens Securities and Citizens Bank since 2022, following five years at CUNA Brokerage Services and eight years at CUNA Mutual Group. Citizens Securities, a wholly owned subsidiary of Citizens Bank, serves a broad retail client base including individual and high-net-worth investors and individual retirement plans. The firm offers investment advisory programs alongside brokerage and insurance services, featuring a digital advisory platform and Managed Account program.

Theodore Oyler is a CFP® with 28 years of industry experience, currently affiliated with J. W. Cole Advisors, Inc. He has worked at Jonathan Roberts Advisory Group, Inc. since 2011 and at Hornor, Townsend & Kent, Inc. since 1998. Outside of his advisory roles, he is a partner in Oyler LP, a real estate investment venture focused on student condominiums in State College, PA. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, with investment decisions made on a discretionary or non-discretionary basis.

Alicia Moore is a financial advisor with J.W. Cole Advisors, Inc. She holds Series 63 and Series 65 designations and has nine years of industry experience. Her work history includes roles at J.W. Cole Financial, Inc. and Diversified Asset Planners, Inc. J.W. Cole Advisors operates a large network of independent Investment Adviser Representatives, providing fee-based portfolio management, financial planning, retirement plan services, and access to multiple third-party investment platforms for individuals, high-net-worth clients, and institutional accounts. The firm uses a blend of fundamental and technical analysis and offers both discretionary and non-discretionary account management.

Jenna Heimbaugh is a financial advisor at Creative Planning with 18 years of industry experience and holds a Series 66 designation. She has been with Creative Planning since 2016. Outside of her advisory work, she owns two small businesses focused on craft wreath making and jewelry repair. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various active and passive investment strategies.

Stephanie Bell is a financial advisor at J. W. Cole Advisors, Inc. with seven years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Grove Point Investments, Shute Battaglia Wealth Advisors, and H. Beck, Inc. Bell is a leadership team member of Destiny's Calling Ministries, a non-denominational ministry. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent representatives. The firm offers portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Daryl Schafer is a financial advisor with LPL Financial based in Boalsburg, PA, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. He has been with LPL Financial since 2009 and also operates Culbertson Financial Services, where he has been active since 2002. Outside of his advisory roles, Schafer serves as an elected Township Supervisor and Chairman for Haines Township, Centre County, PA, and is the Secretary of the Penns Valley FFA Alumni and Supporters Association. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports a broad spectrum of investment approaches through its network of advisors, complemented by proprietary research, technology tools, and a variety of affiliated financial products and services.

Lauren Naylor is a financial advisor with Ameriprise in Lewistown, PA, holding a Series 66 designation and four years of industry experience. She has worked at Ameriprise since 2015 and spent a year with Pacers Sports & Entertainment. Outside of her advisory role, she works part-time at Hawstone Hollow Winery, assisting with wine tastings and other duties. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

James Naylor Jr. is a CFP® with 34 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 2005 to 2020. He is based in Lewistown, PA. Outside of his advisory role, he is involved in youth basketball as a coach and organizer through Naylor Basketball, LLC, and also publishes sports-related content and podcasts via Naylor Publishing, LLC. Additionally, he serves as a licensed high school basketball official. Ameriprise is a large institutional firm that offers retirement-income planning services targeting individuals with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary retirement recommendations delivered through a centralized consulting team in partnership with the client’s financial advisor.

Matthew Walters is a financial advisor with Ameriprise in Reedsville, PA, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its related entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, emphasizing managed accounts and utilizing algorithmic automation overseen by a retirement income committee.

Peter Krum is a financial advisor with Thrivent Investment Management in Lewistown, PA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he co-owns and operates a weekend hot dog cart in State College, PA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based planning across a broad range of topics without providing discretionary portfolio management or institutional advisory services.

Victor Yoder is a financial advisor with Edward Jones in Burnham, PA, holding Series 63 and Series 66 credentials and possessing 22 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of over 23,000 financial advisors.

Kenedy Stroup is a financial advisor with Mass Mutual Investors Services and holds a Series 66 designation. Stroup began their career in the financial services industry in 2026 and has prior work experience at Kish Bank, Oasis Outsourcing Admin, and was a full-time student until 2025. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser offering financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides collaborative, annual financial planning relationships using advanced analytical tools and also offers specialized services such as divorce planning and event-driven employer-sponsored programs.

Dominic Aiello is a financial advisor with LPL Financial and holds a Series 66 designation. He has four years of industry experience and has been associated with LPL Financial since 2016. Outside of his advisory work, he is employed at Saint Joseph Catholic Academy and has experience working with Uber. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse investment solutions including model portfolios, third-party asset management, and institutional platforms, supported by advanced advisor tools and oversight of substantial discretionary assets.

Becca Doyle is a financial advisor with Ameriprise in Lewistown, PA, holding a Series 66 designation and eight years of industry experience. She has been with Ameriprise and its affiliated entity since 2015. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients, offering specialized retirement income planning services that include written Recommendation Reports and ongoing annual advice focused on income sources and tax-aware withdrawal strategies.

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.

Preston Sharp is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, and has 26 years of industry experience. He has worked extensively with Concourse Financial Group Securities Inc and currently owns and serves as Vice President of a fixed insurance business under The Stewardship Group Inc. He also serves as President and board member of Valley View Retirement Community. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and provides access to multiple investment platforms and third-party managers.

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.

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.

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.

Lucas Craig is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 credentials. He has 11 years of industry experience, working with MassMutual since 2014. Outside of his advisory role, Craig is also a marketing employee at Kish Financial Solutions and serves as an agent there. MassMutual Investors Services, LLC is 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 asset management and educational seminars.

Daniel Corbett is a financial advisor at Edward Jones in Burnham, PA, holding a Series 66 designation with one year of industry experience. Before joining Edward Jones in 2025, he worked in various roles including at Confer's Jewelers and Mull Information Servies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Clinton Imes is a financial advisor with Mass Mutual Investors Services in Lewistown, PA, holding Series 63 and Series 65 credentials and nine years of industry experience. His prior roles include positions at Mariner Wealth Advisors and Vantage Investment Advisors. He has an administrative role with Kish Bank, supporting representatives through a strategic alliance with MassMutual. 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 structures financial planning as annual, collaborative engagements and offers specialized programs including estate settlement and employer-sponsored planning.

Laura King is a financial advisor with Raymond James Financial Services Advisors Inc. in State College, PA, holding a Series 66 credential and over 10 years of industry experience. She has worked with Raymond James since 2012 and also runs King Wealth Strategies. Outside of advising, she serves as operations manager at King Financial Partners. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, using tailored, non-discretionary planning and analytical tools to support client goals.