David Hardin is a financial advisor at City Center Advisors, LLC with five years of industry experience. He holds a Series 65 designation and is also a member of Einsteinian AI LLC, a non-investment-related business. Prior to his current role, he has been involved with City Center Advisors and its affiliated entities since 2016. City Center Advisors serves individual and high-net-worth clients as well as businesses, providing discretionary asset management, unified managed accounts, ERISA plan services, and limited-scope financial planning. The firm employs a Modern Portfolio Theory approach and actively uses derivatives and option strategies in client portfolios.

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.

Scott Test is a financial advisor with Vicus Capital, Inc. in Curwensville, PA, holding a Series 66 credential and ten years of industry experience. He has worked with Vicus Capital and affiliated firms since 2017, including DeFrate & Paavola LLC dba Alta Wealth Partner, where he currently serves as Vice President of Planning. Outside of his advisory roles, Scott is an assistant coach for a local recreational soccer league. Vicus Capital provides investment management and financial planning services to individuals, businesses, trusts, and employee benefit plan sponsors. The firm employs a variety of investment strategies and emphasizes retirement-plan consulting and fiduciary services, offering access to multiple implementation options and third-party managers.

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.

Candice Waxler is a financial advisor at Janney Montgomery Scott with 11 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Edward Jones from 2016 to 2023. Waxler serves as Vice President of the Downtown DuBois Group, a nonprofit focused on economic development and beautification of the DuBois downtown area. 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 individuals, families, trusts, estates, and institutional clients, providing brokerage, financial planning, consulting, and advisory services with a combination of in-house and third-party portfolio management.

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. in Dubois, PA, holding Series 63 and Series 65 licenses and having 20 years of industry experience. He has worked at Infinex Investments, Inc. since 2015 and at First Commonwealth Insurance/Advisors since 2002. Britton is also involved with First Commonwealth Bank's Trust Division. OSAIC Institutions serves individuals, charitable organizations, corporations, and retirement plans by providing a range of advisory and brokerage services through customized engagements. The firm’s approach includes both advisory and brokerage solutions, utilizing fundamental and technical analysis, asset allocation, and third-party due diligence, with a notable emphasis on non-discretionary assets.

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 credentials and 11 years of industry experience. His prior experience includes a decade at Pruco Securities, LLC, and ongoing involvement with Encompass Financial Group LLC since 2009. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model wealth portfolios and third-party asset management, combining advisory services with brokerage and insurance products through an integrated platform.

Robert Javens is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and bringing 12 years of industry experience. He previously worked at Woodbury Financial Services Inc. for nine years before joining OSAIC in 2024. Javens has held leadership roles in community organizations, including serving as past president of the Rotary Club of DuBois and the DuBois Continuum of Care Community, as well as president of the Greater DuBois Chamber of Commerce. OSAIC serves a diverse client base ranging from individual and high-net-worth investors to corporations and charitable organizations, offering integrated brokerage and advisory services, financial planning, and access to multiple advisory platforms. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary portfolio management, providing clients with access to multiple investment vehicles and third-party money managers.

Charles Johnson is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and Series 65 licenses. He has 38 years of industry experience, including roles at Kovack Advisors and Guardian Planners. Outside of advising, he is an author of a book on investment philosophy and serves on the board of a local nursing care facility. He is also involved in establishing a political action committee focused on election integrity. Cetera Investment Advisers LLC is a large SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supporting both discretionary and non-discretionary account structures.

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 financial advisor at OSAIC with 13 years of industry experience. She holds the CFP® designation as well as Series 66 and Series 63 licenses. Her prior work includes roles at Lincoln Financial Securities Corporation and Woodbury Financial Services, and she has operated as a self-employed advisor since 2009. Outside of her advisory work, she offers traditional life insurance and fixed annuities through her own business. OSAIC Wealth, Inc. serves a diverse client base including individual, high-net-worth, institutional, and charitable accounts. The firm provides integrated brokerage and advisory services, employing various portfolio construction tools and offering access to multiple third-party investment platforms.

Jonah Watt is a financial advisor at OSAIC with Series 63 and Series 66 credentials and one year of industry experience. His prior roles include founding Watt Group LLC and positions at SKG Wealth Management and Fedex. He also owns an independent personal lines insurance agency that sold home and auto insurance. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of advisers and platforms, offering integrated brokerage, investment advisory services, and access to multiple third-party money managers and wrap programs. The firm uses asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes on both discretionary and non-discretionary bases.

Caroline Rearick is a financial advisor with LPL Enterprise in Dubois, PA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She worked at Pruco Securities, LLC for 28 years before joining LPL Enterprise in 2024. She also has a role as a financial planner with Prudential Advisors, focusing on property and casualty. LPL Enterprise serves a wide range of clients including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, model portfolios, third-party asset management, and a variety of brokerage and insurance products.

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.

Robert Buell is a financial advisor with LPL Financial in Curwensville, PA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior experience includes long-term roles with IC Advisory Services, Inc., The Investment Center, Inc., and AFLAC. Buell also operates as an independent agent offering fixed and equity-indexed annuities through various insurance providers. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources to support diversified investment strategies.

Frank Zocco is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked at Cetera Advisor Networks, Independence Portfolio Partners LLC, and Atlas Brokerage Company. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting supported by research and multiple portfolio management options.

Samuel Perrin is a financial advisor at Cetera with Series 66 credentials and four years of industry experience. In addition to his work at Cetera since 2021, he is a partner at Clyde Ferraro & CO LLP, a CPA firm specializing in tax and audit compliance. He also serves as Finance Committee Chairman for Brockway Area Ambulance Service and holds board positions with Dubois Central Catholic and Bucktail Council. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that provides access to affiliated and third-party investment strategies.

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 with LPL Financial and holds Series 63 and Series 65 credentials. He has 36 years of industry experience, including prior roles at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of his advisory work, he is active as a musician. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, and charitable organizations. The firm offers a variety of financial planning and advisory programs, utilizing model portfolios, research, and multiple management strategies.

Robert Monkelis is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. His prior work includes positions at Prudential Insurance Company of America and Pruco Securities, LLC, where he worked for 16 and 14 years respectively. He is based in Pittsburgh, PA. LPL Enterprise serves a diverse client base ranging from individuals, including high-net-worth clients, to institutional clients such as retirement plans and charitable organizations. The firm offers a range of services including financial planning, access to model wealth portfolios, third-party asset management arrangements, and brokerage and insurance products through an integrated platform.

Melissa Smith is a financial advisor at LPL Financial with three years of industry experience. She holds the Series 66 designation and has previously worked at Grove Point Advisors LLC and Investors Resource Services. Outside of her advisory work, she is involved in music as an artist and musician. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

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 Mass Mutual Investors Services with nine years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Mass Mutual Investors Services since 2017. Prior to that, he was with MSI Financial Services from 2014 to 2017 and Massachusetts Mutual Life Insurance Company since 2016. 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, providing collaborative, goal-based planning engagements.

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 with OSAIC in DuBois, Pennsylvania, holding a Series 63 designation and over 35 years of industry experience. His career includes roles at Woodbury Financial Services, Ameritas Financial Services, and Ameritas Life Insurance Corporation. Curtis is also the owner of Swift Kennedy Financial, where he sells non-securities insurance products, and he participates as a member of the Jefferson Investment Club. OSAIC serves a broad range of clients, including individual and institutional investors, offering integrated brokerage and advisory services with a focus on diversified portfolio construction using various asset classes and multiple advisory platforms.

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.