Fred Young is a CFP® professional with 32 years of industry experience, serving as the sole advisor at Cumberland Valley Financial Services Inc. in Greencastle, PA, where he has worked since 1992. He holds a Series 65 license and provides financial advisory services through an independent, state-registered firm. Cumberland Valley Financial Services Inc. offers ongoing portfolio management and comprehensive financial advice to individuals, pensions, profit-sharing plans, trusts, estates, corporations, and charitable organizations. The firm implements diversified investment allocations primarily using no-load mutual funds and ETFs, managing a significant portion of assets on a discretionary basis under tailored investment policies.

Noah Eshenaur is a financial advisor at TruNorth Financial Services, Inc. with a Series 65 designation and three years of industry experience. Prior to joining TruNorth, he worked in various roles including positions at Shippensburg University and Tuscarora Intermediate Unit 11. TruNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm uses a conservative, diversified investment approach with portfolios constructed primarily of mutual funds and ETFs, supplemented by individual equities and fixed-income securities when appropriate.

Kristin Ramsay is a financial advisor at truNorth Financial Services, Inc. with a Series 65 credential and three years of industry experience. She previously worked at Orrstown Bank for eight years before joining truNorth Financial Services in 2019. Outside of advising, she is a minority owner of a coffee roasting and coffee shop business called Denim Coffee Company. truNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm employs a conservative, diversified investment approach, constructing portfolios primarily with mutual funds and ETFs while offering retirement rollover guidance and consulting services.

Christopher Jackson is a financial advisor at TruNorth Financial Services, Inc. in Chambersburg, PA, holding a Series 65 designation with 11 years of industry experience. He previously worked at PNC Wealth Management and Tucker Financial Services. Outside of his advisory role, Jackson is active in community and educational organizations, serving as chairperson of the Shippensburg University Finance Advisory Council and president of University Community Ministries. TruNorth Financial Services provides discretionary investment management and financial planning to individuals, high-net-worth clients, trusts, estates, foundations, and business entities. The firm employs a conservative, diversified investment approach with portfolios primarily consisting of mutual funds and ETFs, managing accounts on a discretionary basis guided by client risk tolerance and an Investment Policy Statement.

James Martin is a CFP® with 36 years of industry experience and has been with Creative Financial Designs, Inc. for 15 years. His background includes independent insurance sales, tax preparation and accounting, as well as nonprofit work as a minister. Creative Financial Designs serves individual, corporate, and institutional clients, offering discretionary and non-discretionary investment management alongside financial planning and consulting. The firm uses asset-class model allocations with multiple risk objectives and incorporates Biblically Responsible Investing strategies.

Chase Polly is a financial advisor with Capital Analysts, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has worked at firms including Horace Mann Investors, Inc., Lincoln Investment, and First Choice Insurance & Financial Services, where he is also the owner of a financial services and marketing business. Polly serves as treasurer for Boots and Branches Nature School LLC, assisting with financial and business management. Capital Analysts serves a diverse client base including individuals, high-net-worth investors, retirement plans, trusts, and corporate clients, providing discretionary and non-discretionary portfolio management through various programs and proprietary model portfolios. The firm emphasizes a fiduciary role with tailored investment solutions and maintains close affiliations with Lincoln Investment and custodial partners.

Christopher Drawbaugh is a financial advisor at B. Riley Wealth Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with B. Riley Wealth Management since 2009. Outside of his advisory role, he owns Bastion Financial Group and is involved in managing commercial real estate through Beverly Court LLC and Drawbaugh Development LLC. B. Riley Wealth Advisors, Inc. is an SEC-registered firm managing approximately $7 billion in client assets through about 274 advisors. The firm serves individuals, high-net-worth clients, charitable organizations, corporations, and retirement plans with a range of advisory programs, financial planning, and retirement solutions.

Benjamin Hubler is a financial advisor with First Heartland Consultants, Inc. He holds a Series 66 designation and has four years of industry experience. Prior to joining First Heartland Consultants in 2021, he worked at The Loft and has been associated with Erickson Financial since 2020. First Heartland Consultants serves a diverse client base, including individual investors, employer-sponsored retirement plans, charitable organizations, and corporate entities. The firm provides financial planning, model-based management for 401(k) accounts, and both non-wrap and wrap asset management through a network of independent investment adviser representatives.

David Erickson is a CFP® professional with 33 years of industry experience, currently serving at First Heartland Consultants, Inc. in Chambersburg, PA. He has been with First Heartland Capital Inc. since 2002. Outside of his advisory role, Erickson is a privately contracted musician who plays piano and organ and also assists select clients with tax return preparation. First Heartland Consultants provides advisory services to a diverse client base including individual investors, retirement plan participants, charitable organizations, and corporate entities. The firm offers financial planning, model-based management for self-directed 401(k) accounts, asset management, and third-party asset management solutions delivered through a network of independent investment adviser representatives.

Richard Tardosky is a financial advisor with Capital Analysts, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Lincoln Investment since 2017 and previously spent time at Legend Advisory Corporation and Legend Equities Corporation. Outside of advisory work, he is the owner of TARDOSKY AGENCY, LLC, a marketing business. Capital Analysts serves a diverse client base, including individual investors, retirement plans, and institutional clients, offering discretionary and non-discretionary portfolio management through various programs and custom solutions. Investment decisions are supported by an in-house research team that manages model portfolios and employs a proprietary mutual-fund screening process.

Rachel Riedy is a Series 66-credentialed financial advisor with seven years of industry experience, currently with Capital Analysts. Her prior experience includes roles at Lincoln Investment Planning, LLC and The Tardosky Agency. Capital Analysts serves a diverse client base including individual and high-net-worth investors, retirement plans, trusts, foundations, and corporate clients. The firm employs an in-house Investment Management & Research team that oversees discretionary model portfolios and uses a proprietary fund screening process, offering a range of portfolio management options and retirement plan advisory services.

John Hose II is a Series 66-credentialed advisor with 14 years of industry experience. He has been with Madison Avenue Securities, LLC since 2011 and is also president and owner of Life Financial, a business focused on life and health insurance and annuities. Outside of his advisory roles, he serves as treasurer for Ravens Roost #7, a nonprofit that awards scholarships and donates to local charities including Special Olympics. Madison Avenue Securities, LLC provides investment advisory and related services to individuals, charitable institutions, foundations, trusts, and employer-sponsored retirement plans. The firm manages approximately $2.0 billion in assets and offers a range of portfolio management, financial planning, pension consulting, and college-savings services through a variety of account platforms and investment approaches.

Luke Becker is a financial advisor with PNC Wealth Management in Hagerstown, MD, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. He has worked at PNC since 2014 in various roles including PNC Investments and PNC Bank. Outside of finance, Becker serves as a wrestling official for the Washington County Wrestling Official Association. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account for employees that uses algorithmic risk assessment and third-party strategists to manage portfolios primarily through mutual funds and ETFs.

Scott Toms is a financial advisor with CWM, LLC who holds Series 63 and 65 designations and has 25 years of industry experience. His prior firms include Cetera Advisor Networks, Carson Wealth, Linsco Private Ledger Corp, and Cornerstone Wealth Management Group. Outside of his advisory work, he is an insurance agent selling life, annuities, and long-term care products. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of advisors. The firm employs discretionary account management using model portfolios and integrates fundamental and technical analysis, third-party sub-advisors, and customization tools tailored for retirement plans and institutional services.

Karsyn Burker is a financial advisor at CWM, LLC with a Series 65 credential and four years of industry experience. Prior to joining CWM, Burker worked at Carson Wealth and Middletown Valley Bank. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of partner offices and over 600 advisors. The firm provides portfolio management, financial planning, sub-advisory services, and retirement-plan offerings with a focus on discretionary management using model portfolios overseen by an in-house Investment Committee.

Emily Helman is a financial advisor with Private Advisor Group, LLC and holds the Series 66 designation. She has one year of industry experience and previously worked with Mariner Advisor Network, as well as maintaining a role with Nurtured Wealth, LLC since 2019. Private Advisor Group serves a diverse client base including individuals, businesses, trusts, estates, and charitable organizations. The firm offers discretionary and non-discretionary portfolio management, financial planning, and retirement-plan consulting through various advisory programs and access to third-party asset managers and turnkey platforms.

Dwayne Horst is a financial advisor at Truist Advisory Services with 20 years of industry experience and holds the Series 66 designation. His prior roles include positions at Bb&T Securities, LLC and BBTIS before joining Truist in 2021. Truist Advisory Services provides investment consulting and advisory services to individuals, businesses, retirement plan sponsors, and charitable organizations, using a combination of discretionary manager relationships and non-discretionary consulting supported by advanced research and supervisory oversight.

Ashley Sowers is a financial advisor with CWM, LLC, holding Series 63 and Series 65 licenses and has 22 years of industry experience. Her career includes roles at Carson Wealth, Cetera Advisor Networks, First Command, and M&T Bank. She is also a co-leader of a local Girl Scout troop. CWM, LLC is an SEC-registered investment adviser serving individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a network of over 600 advisors. The firm manages portfolios on a discretionary basis using model portfolios guided by an investment committee, combining fundamental and technical analysis with third-party sub-advisors and customization tools.

Shane Heizer is a financial advisor with CWM, LLC holding a Series 65 designation and six years of industry experience. He has worked at Carson Wealth since 2020 and previously at Middletown Valley Bank from 2018 to 2020. He serves as a board member for the United Way of Washington County, MD. CWM, LLC is an SEC-registered investment adviser that serves individuals, high-net-worth families, foundations, endowments, corporations, and institutional clients through a large network of partner offices. The firm manages accounts primarily on a discretionary basis using model portfolios overseen by an in-house Investment Committee and offers a range of portfolio management, financial planning, and retirement plan services.

Bryce Diller is a financial advisor with Lincoln Investment, holding a Series 66 designation and one year of industry experience. Prior to joining Lincoln Investment, he worked in various roles, including as a sales assistant at First Choice Insurance and as a security officer at WellSpan Health Chambersburg Hospital. Lincoln Investment serves individuals, charitable organizations, businesses, and employer-sponsored retirement plans, with a focus on educators and 403(b)/457(b) participants. The firm offers financial planning and retirement plan advice through a range of advisor-managed and firm-managed investment programs that incorporate both strategic and tactical approaches.