Michael Dinich is the sole advisor at Your Money Matters Wealth Management, LLC in Sayre, PA, holding Series 63 and Series 65 licenses with 18 years of industry experience. He has operated Your Money Matters since 1990 and owns Heritage Beef and Cattle Co., where he is involved in cattle breeding and sales. Dinich also manages an estate planning business as a side activity. Your Money Matters Wealth Management provides personalized financial planning and discretionary portfolio management primarily for individuals and trusts. The firm serves a very small client base, uses a range of investment strategies guided by client objectives, and also arranges and monitors third-party money manager relationships.

Alexandra Richey is a financial advisor at Gradient Securities, LLC with three years of industry experience. She holds a Series 66 designation and has worked at firms including LPL Financial and Citizens & Northern Bank. Outside of advising, she serves as a volleyball bookkeeper for the Troy Area School District. Gradient Securities, doing business as Gradient Wealth Management, provides financial planning, consulting, non-discretionary asset management, and ERISA plan services to a diverse client base including individuals, trusts, and corporations. The firm operates as both an SEC-registered investment adviser and a FINRA-registered broker-dealer, with a notable focus on third-party manager referrals and non-discretionary advice.

Joshua Fallenstein is a financial advisor at Gradient Securities, LLC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has been involved with Gradient Securities since 2014. Outside of his advisory role, he manages tax preparation and insurance businesses under the Freedom Financial umbrella and serves on the membership committee of a local business networking organization. Gradient Securities, operating as Gradient Wealth Management, offers financial planning, consulting, non-discretionary asset management, and ERISA 3(21) retirement-plan advisory services to individuals, trusts, estates, and business entities. The firm emphasizes a non-discretionary investment model and integrates fundamental, technical, and cyclical analysis, often utilizing third-party managers while maintaining disclosure of affiliated revenue-sharing arrangements.

Todd Kross is a financial advisor with CreativeOne Wealth, LLC, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has worked at multiple firms including M & T Securities, Inc. and Wise Wealth, LLC. In addition to his advisory role, he serves as President and CEO of Kross Financial Services, focusing on alternative investment products. CreativeOne Wealth, LLC provides fee-based asset management and financial planning services to individuals, corporations, and other RIAs, utilizing a mix of proprietary and third-party model portfolios. The firm employs various investment methods, including modern portfolio theory and quantitative analysis, and offers clients diversified portfolios that may include ETFs, mutual funds, options, and private investments.

Sarah Carr is a CFP® with six years of industry experience, currently serving as a financial advisor at Belpointe Asset Management LLC since 2020. She also provides financial wellness coaching and is involved with the Financial Therapy Association, which bridges financial planning and cognitive behavioral therapy. Additionally, she serves as board chair of the RReclamation Collective, a nonprofit focused on education and advocacy for those affected by religious harm, and acts as treasurer for Endless Mountains Pride, supporting LGBTQ+ community initiatives. Belpointe Asset Management serves a diverse client base including individual investors, retirement plans, and corporations, offering discretionary investment management, financial planning, and retirement plan consulting. The firm employs customized portfolios with a range of strategies and supports a variety of affiliated businesses and product sponsorships alongside its advisory services.

Richard Bulger is a CFP® professional with 47 years of industry experience. He has been with Commonwealth Financial Network since 2003. Outside of his advisory role, he is president and sole owner of Benefit Consultants Inc., a third-party administrator providing design, installation, and administration services for qualified plans. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, including wealth management and retirement plan consulting, and supports affiliated advisors with operations, trading, technology, investment management, and compliance.

Tari Trowbridge is a financial advisor with Commonwealth Financial Network and Trowbridge & Co Wealth Management Group, holding the CFP® designation with 34 years of industry experience. He has been with both firms since 2014. Outside of advising, he owns real estate properties leased for gas royalties in Pennsylvania. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of nearly 2,900 advisors and hundreds of thousands of clients. The firm offers a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Daniel Tucker is a financial advisor with Commonwealth Financial Network, holding a Series 63 designation and 27 years of industry experience. He has been with Tucker Haskins and Associates and Commonwealth Financial Network since 2005. Tucker is also president and co-owner of Tucker-Haskins, Inc., an entity engaged in securities and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their clients, providing a range of advisory programs and services including wealth management, retirement plan consulting, and access to third-party asset managers. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice management.

James Haskins is a financial advisor with Commonwealth Financial Network in Vestal, NY, holding a Series 63 designation and 32 years of industry experience. He has worked at Tucker Haskins & Associates and Commonwealth Financial Network since 2005. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs, wealth management, and retirement plan consulting. The firm supports affiliated advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Christopher Roupp is a financial advisor with LPL Financial based in Towanda, PA. He holds a Series 66 designation and has been working in the financial industry since 2023. Prior to his current role, he gained experience at Principle Enterprises and Angi Leads, and spent 17 years at Matthews Motor Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, retirement plan consulting, and brokerage services supported by research, model portfolios, and technologies such as machine learning.

Brandon Walker is a financial advisor with Equitable Advisors in Waverly, NY, holding a Series 66 designation and eight years of industry experience. He has been with Equitable Advisors since 2017 and previously worked at AxA Advisors. Outside of his advisory role, he serves as a wrestling coach in Waverly. Equitable Advisors serves a wide range of clients including individual investors, retirement plan sponsors, corporations, and charitable organizations, offering financial planning and access to asset management through third-party programs. The firm operates a hybrid referral and implementation model, combining advisory and brokerage services with tailored client plans.

Michael Chambers is a financial advisor with LPL Financial, holding a Series 63 designation and 43 years of industry experience. He has been associated with Linsco / Private Ledger Corp. since 2004. Chambers operates a business under the name North Branch Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with various management options and research support.

Jenny Payne is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 66 designation and over 26 years of industry experience. She has worked with Raymond James since 2004 and previously with Richard A. Pascoe Financial Services. Outside of advisory work, Payne is the owner and proprietor of Brenchley's Lake CampGround in Rome, PA, and serves in a political role with Rome Township. 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, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and supports a broad network of advisors with tools that incorporate risk profiling and probabilistic modeling.

Cindy Miller is a CFP® with 27 years of industry experience, currently serving at Cetera. She has worked with Avantax Investment Services, Inc. and operated her own firm, Miller Financial Services, since 1989. In addition to her advisory work, she owns and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients through a multi-manager platform offering diverse portfolio management and financial planning services.

Derek Gowan is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 13 years of industry experience. He has been with LPL Financial since 2012 and previously served in roles with the Community Foundation for the Twin Tiers and the Sayre Elks Lodge. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and research services.

Joanne Johnson is a financial advisor at LPL Financial with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at M&T Bank, M&T Securities, and Lesko Securities Inc. Outside of advising, she is also a notary public in Binghamton, NY. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a large national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Brittanie Ockerhausen is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her prior roles include long tenure at Scottrade and positions at TD Ameritrade, Rileyo Aerospace, and Citizens & Northern Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, with access to model portfolios, third-party research, and various portfolio management options.

David Stearns is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. He previously worked at The Prudential Insurance Company of America and Pruco Securities LLC, and spent ten years at Aldi Inc. Outside of his advisory role, Stearns is involved with Robbins Financial, an insurance and financial services business affiliated with his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

John Nolt is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 20 years of industry experience. He has worked at LPL Financial since 2019 and concurrently holds positions at M&T Bank and M&T Securities since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Courtney Steckiel is a CFP® with 15 years of industry experience, currently with Raymond James Financial Services Advisors, Inc. since 2017. Prior to this, Steckiel worked at LPL Financial and First Citizens National Bank. Outside of financial advising, Steckiel is involved with doTERRA International, a role held since 2014, and supports client activities and compliance at JP Financial. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and advanced analytical tools to support client goals and offers specialized programs including municipal and public-finance advisory services.

William Gowin is a financial advisor at LPL Financial with a Series 66 credential and one year of industry experience. His background includes roles at First Citizens Community Bank and Commonwealth University of Pennsylvania, along with six years at Canton Area Junior Senior High School. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs supported by research and diversified strategies.

Jason Glowski is a financial advisor at Edward Jones with 13 years of industry experience. He previously worked at LPL Financial for six years before joining Edward Jones in 2018. He holds a Series 63 designation. Outside of his advisory role, Glowski serves as a board member for Grace Christian Academy in Ulster, PA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of discretionary and non-discretionary investment strategies, including separately managed accounts and affiliated mutual funds.

Jeffrey Miller is a financial advisor with Cetera, holding a Series 63 designation and 23 years of industry experience. Prior to joining Cetera in 2025, he worked for Avantax Insurance Agency and Avantax Investment Services for over two decades. Outside of his advisory role, he operates Miller Financial Services, a tax preparation and accounting business. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies.