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 financial advisor at OSAIC with two years of industry experience and holds a Series 66 designation. Prior to joining OSAIC, he worked with Barber Financial Co., Inc. and Securities America, Inc. Outside of finance, he has experience working in event management, including a role as assistant manager for the volunteer program at the Hinterland Music Festival and intermittent contracts with Live Nation handling box office and credentialing duties. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services utilizing advanced portfolio management tools and supports thousands of advisors with a broad spectrum of investment solutions and custodial platforms.

Scott Barber is a CFP® with 21 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. His prior roles include positions at Securities America Advisors, Investacorp Advisory Services, and Cetera Advisor Networks. Outside of advising, he is involved in tax preparation, owns a life and health insurance business, volunteers as a youth soccer referee and coach, and serves on the executive board of the Boy Scouts of America Bucktail Council. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer that supports a large network of financial advisors serving a diverse client base, including individual investors, retirement plans, corporations, and charitable organizations. The firm employs a comprehensive investment process incorporating risk tolerance, asset allocation, and portfolio optimization, offering a wide range of investment products and access to multiple custodial platforms.

Shawn Amblod is a CFP® with 18 years of experience in financial advisory roles. He is currently with Empower Advisory Group and has previously worked at firms including LPL Financial, Advised Assets Group LLC, and CNB Financial Corporation. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm delivers services through an integrated model connected to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions.

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 an SEC-registered investment adviser and dual-registered broker-dealer managing approximately $100.8 billion in client assets and supporting over 1,200 advisors and 235,000 clients. The firm offers a broad range of services including portfolio management, financial planning, retirement plan advisory, and brokerage for individuals, high-net-worth clients, corporations, charities, and institutions.

Jordan Russell is a CFP®-certified financial advisor with seven years of industry experience, currently with Janney Montgomery Scott. Prior to joining Janney, he worked at Russell Stone Products and studied at Pennsylvania State University. He serves as president of the Friends of Curwensville Lake nonprofit and is Vice President Elect of the Junior Chapter of the DuBois Chamber of Commerce. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers a multi-channel investment platform and provides services to individuals, high-net-worth clients, corporations, charities, and institutions.

Candice Waxler is a financial advisor at Janney Montgomery Scott with 10 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Edward Jones for seven years. Outside of her advisory role, she serves as Vice President of the Downtown Dubois Group, a nonprofit focused on economic development and beautification in Dubois, PA. Janney Montgomery Scott is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm offers a broad range of services including portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, corporations, charities, and institutions through a multi-channel investment platform.

Kathryn Ho is a CFP® and holds a Series 66 license with 18 years of experience in the financial industry. She has been with Janney Montgomery Scott since 2007. Outside of her advisory role, she serves as the secretary for the DuBois Area Baseball Booster Club and manages a student housing rental property through an LLC. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutions with a broad range of portfolio management, financial planning, and retirement advisory services.

Mary Ruth Wilson is a financial advisor with Janney Montgomery Scott, holding a Series 66 designation and 20 years of industry experience. She has been with Janney since 2016, following a year at Infinex Investments, Inc. Outside of her advisory role, Wilson serves as Chairman of the Board for Tri County Church of God in Du Bois, PA, where she oversees governance and strategic planning. Janney Montgomery Scott LLC is an SEC-registered investment adviser and dual-registered broker-dealer managing approximately $100.8 billion in client assets. The firm supports over 1,200 advisors and offers a wide range of services including portfolio management, financial planning, retirement plan consulting, and brokerage for individuals, high-net-worth clients, corporations, charities, and institutions.

Abby Gross is a CFP® with nine years of industry experience, currently affiliated with Eagle Strategies (NY Life). She has worked at NYLIFE Securities LLC and New York Life Insurance Co since 2016 and previously at The Huntington National Bank. Outside of her advisory role, she owns Beechwoods Real Estate LLC, which manages the office building where she is based. Eagle Strategies LLC provides financial planning, investment advisory, and retirement plan consulting services to individuals, employer-sponsored retirement plans, trusts, charitable organizations, and corporate clients. The firm emphasizes client-directed solutions and utilizes third-party managers and model portfolios, operating as an indirect subsidiary of New York Life.

John Yount is a financial advisor at Janney Montgomery Scott with 35 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Janney Montgomery Scott since 2005. Janney Montgomery Scott LLC is an SEC-registered investment adviser and broker-dealer managing approximately $100.8 billion in client assets. The firm serves individuals, high-net-worth clients, corporations, charities, and institutional accounts, offering a range of services including portfolio management, financial planning, and retirement plan advisory through a multi-channel investment platform.

Stephanie Sedor is a financial advisor at OSAIC with four years of industry experience. She holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services and Robert Javens Financial Advisors & Wealth Strategies. Outside of her advisory work, she is a member of the Rotary Club of DuBois and has experience working with a family-owned greenhouse. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services supported by advanced portfolio management tools and access to multiple custodial platforms.

Anthony Torretti is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 23 years of industry experience. He has been with Cetera Financial Specialists LLC since 2013 and joined Cetera in 2024. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing both advisor-managed accounts and firm-sponsored model portfolios, supported by various custodial and execution platforms.

Samuel Whitling is a financial advisor with Edward Jones in Brookville, PA, holding a Series 66 designation and 14 years of industry experience. He has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of approximately 23,701 financial advisors.

Joseph Rearick is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and having 10 years of industry experience. He previously worked at Pruco Securities, LLC for 10 years and is associated with Encompass Financial Group LLC. LPL Enterprise provides advisory services through a broad network of investment adviser representatives serving individuals, retirement plans, charitable organizations, and corporate clients. The firm offers financial planning, access to model portfolios, third-party asset management programs, and a range of securities and insurance products.

Robert Javens is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He previously worked at Woodbury Financial Services Inc. for nine years before joining OSAIC in 2024. Javens has served in leadership roles in several community organizations, including as past president of the Rotary Club of DuBois and the Dubois Continuum of Care Community, and currently serves as president of the Greater Dubois Chamber of Commerce. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer supporting a broad client base that includes individual investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services through a large network of financial advisers, utilizing a comprehensive investment process that incorporates risk tolerance, asset allocation, and portfolio optimization.

Charles Johnson is a financial advisor with Cetera who holds the ChFC® designation along with Series 63 and Series 65 licenses and has 37 years of industry experience. He previously worked at Kovack Advisors, Kovack Securities, and has been associated with Guardian Planners since 2002. Outside of advisory work, he is the author of a book titled "Chuckonomics" and serves as president and secretary of a political action committee focused on promoting constitutional amendments related to election integrity; he is also a board member of the Dubois Continuum of Care nursing facility. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing advisor-managed accounts, model portfolios, and third-party solutions, with a notable combination of retirement and fiduciary capabilities integrated within its institutional platform.

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. and Metropolitan Life Insurance Company for nearly three decades before joining Mass Mutual. In addition to his advisory role, he is a licensed agent involved in life, property/casualty, and health insurance. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations as part of collaborative, ongoing client relationships.

Jennifer Hamilton is a CFP® professional with 12 years of industry experience, currently serving as a financial advisor at OSAIC. Her prior experience includes roles at Lincoln Financial Securities Corporation and Woodbury Financial Services, as well as self-employment. Outside of advising, she offers traditional life insurance and fixed annuities through a separate business. OSAIC is a large investment advisory and brokerage firm serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm utilizes a technology-driven investment process incorporating risk tolerance, asset allocation, and portfolio optimization, and supports a wide range of investment products and programs.

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 involvement with the DuBois Country Club. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm uses a combination of risk-tolerance questionnaires, asset allocation software, and portfolio optimization tools to manage accounts across various investment types and offers access to multiple custodial platforms and third-party managers.

Caroline Rearick is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Pruco Securities, LLC for 28 years before joining LPL Enterprise in 2024. LPL Enterprise provides advisory services through a large network of investment adviser representatives, serving individuals, retirement plans, charitable organizations, and corporate clients. The firm’s approach centers on model portfolios developed by LPL’s Research Department and third-party strategists, with access to various asset management programs and a range of securities and insurance products.

Robert Love Jr. is a CFP® professional with 18 years of experience in financial services. He is currently affiliated with Cetera and is the founder of Love Financial, LLC, where he provides financial planning and investment advisory services. His prior experience includes roles at Securities America Advisors, Inc. and CNB Bank. He is also licensed to sell fixed insurance products. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services supported by both advisor-managed accounts and model portfolios, alongside unique retirement and trust capabilities not commonly found in firms of its size.

Frank Zocco is a financial advisor at LPL Financial with 29 years of industry experience. He previously worked at Cetera Advisor Networks, Independence Portfolio Partners, and Atlas Brokerage Company. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions through a large network of advisers supported by an in-house research team that develops model portfolios and strategic investment options.

Samuel Perrin is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. He has worked at Cetera and 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, Perrin serves in various community positions including finance committee chairman for Brockway Area Ambulance Service and board member roles with Dubois Central Catholic and Bucktail Council. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a large network of independent advisors. The firm offers a range of investment management and financial planning services, incorporating advisor-managed accounts, model portfolios, and third-party solutions, alongside notable retirement and fiduciary capabilities integrated with its broader trust and institutional network.

William Cuba Jr. is a financial advisor with OSAIC, holding a Series 66 designation and bringing 25 years of industry experience. His prior work includes 13 years at Woodbury Financial Services and extensive experience with multiple life insurance companies. He serves on the board of The ARC of Clearfield and Jefferson Counties, a charitable organization focused on advocacy and resources for individuals with intellectual and mental disabilities. OSAIC is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individuals, plans, corporations, and charities. The firm offers a variety of advisory programs and employs a technology-driven investment process with access to multiple custodial platforms and third-party managers.

William Smith is a financial advisor at LPL Financial with 36 years of industry experience. He previously worked at Grove Point Advisors, LLC and Grove Point Investments, LLC. Outside of his advisory work, he is an artist and musician. LPL Financial provides advisory and brokerage services to a diverse client base including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team and combines advisory services with non-advisory product offerings.

Melissa Smith is a financial advisor with LPL Financial in Dubois, PA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions 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 provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm offers a wide range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Melinda Sherry is a financial advisor with Edward Jones in Du Bois, PA, holding a Series 66 designation and three years of industry experience. She previously worked at Matson Insurance Agency for seven years before joining Edward Jones in 2022. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm offers a range of advisory programs with a fiduciary standard, supported by a large network of financial advisors and branch offices nationwide.

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 eight years of industry experience. He holds Series 63 and Series 65 licenses and has been with Mass Mutual Investors Services since 2017. Prior to that, he worked at MSI Financial Services and Massachusetts Mutual Life Insurance Company, with earlier experience at Penn State University. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers ongoing financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations tailored to clients’ goals.

Zachary Dippold is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Cetera and its affiliated entity Cetera Financial Specialists LLC since 2013. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of over 6,800 independent advisors. The firm offers a range of portfolio management and financial planning services, combining advisor-managed accounts, firm-sponsored model portfolios, and third-party managed solutions, with a notable integration of retirement and fiduciary capabilities alongside its broad advisory platform.

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 with Cetera and holds the Series 66 designation. He has been with Cetera and its affiliated entities since 2024 and has no prior industry experience. Outside of his advisory role, he has worked as a social studies teacher for 11th and 12th grade students at Fairfax County Public Schools since 2016. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services supported by various model portfolios and platform options.

James Curtis is a financial advisor at OSAIC with 35 years of industry experience. He holds the Series 63 designation and has worked with firms including Woodbury Financial Services, Ameritas Life Insurance Corp, and Swift Kennedy Financial Inc, where he is also the owner. Curtis participates as a member of the Jefferson Investment Club, a group focused on public securities investment. OSAIC Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base, including individual investors, pension plans, corporations, and charitable organizations. The firm employs a technology-driven investment process and offers a range of advisory programs, managing approximately $200 billion in assets through a network of over 6,200 advisors.

Kerry Kinter is a financial advisor with Cetera, holding a Series 63 designation and bringing 30 years of industry experience. He has been with Cetera and its affiliate Cetera Financial Specialists LLC since 2013. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth clients, institutions, and retirement plans through a network of over 6,800 independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing a blend of advisor-managed accounts, firm-sponsored model portfolios, and third-party solutions.

Matthew Nerone is a financial advisor with Osaic Wealth, Inc., holding a Series 66 designation and 23 years of industry experience. His career includes roles at Woodbury Financial Services, Ameritas Life Insurance Corp, and Swift Kennedy Insurance Group. He is also a licensed independent insurance agent specializing in fixed insurance products. Osaic Wealth, Inc. is an SEC-registered investment adviser and FINRA member broker-dealer serving a diverse client base including individual investors, pension plans, corporations, and charitable organizations. The firm employs a comprehensive investment process utilizing risk-tolerance assessments, asset-allocation planning, and portfolio optimization, offering a wide range of investment options and advisory programs.