Richard Luchini is the principal advisor at Luchini Financial LLC in Altoona, PA, holding Series 63 and Series 65 designations with 17 years of industry experience. He previously worked for Pruco Securities, LLC and Prudential Insurance Company of America from 2011 to 2022. He is also the creator and host of a financial podcast launched in 2023. Luchini Financial LLC provides wealth management, investment management, and financial planning services primarily to individuals, high-net-worth individuals, trusts, and estates. The firm manages approximately $14 million in discretionary assets and customizes portfolios using mutual funds, ETFs, and individual equities with a long-term investment orientation complemented by fundamental and technical analysis.

Thomas Criste is a financial advisor with Aspire Financial, Inc. in Ebensburg, PA, holding a Series 63 designation and over 31 years of industry experience. He has been with Aspire Financial since 2012 and is also an owner of Long, Mulhearn & Criste P.C., a certified public accounting firm. Aspire Financial is a small, state-registered advisory firm serving individual clients, including high-net-worth households, as well as pension and profit-sharing plans. The firm emphasizes individualized asset allocation focused on value, safety, and quality, with portfolio management conducted primarily on a non-discretionary basis.

Joseph Zappia is a financial advisor at Venn Wealth & Benefit Services, LLC with 9 years of industry experience. He holds a Series 65 designation and has worked at Venn Financial Solutions and Venn Wealth & Benefit Services since 2016. Outside of his advisory role, Mr. Zappia owns and operates Zappia Insurance, an insurance business established in 2005, and runs Zappia Multi-Media, where he works as a cinematographer and video editor. Venn Wealth & Benefit Services is an independent, fee-based Pennsylvania registered investment adviser that provides portfolio management, financial planning, and retirement plan consulting to individuals, trusts, and ERISA-qualified plans. The firm manages discretionary and non-discretionary accounts using unified managed accounts, model allocations, and third-party managers, while also offering ERISA fiduciary services to plan sponsors.

William Mulhearn is a financial advisor at Aspire Financial, Inc. with 37 years of industry experience. He holds a Series 63 designation and has worked at Aspire Financial since 2012. In addition to his advisory role, he is the owner of Long, Mulhearn & Criste P.C., a certified public accounting firm. Aspire Financial, Inc. is a small state-registered advisory firm serving individual clients, including high-net-worth households, as well as pension and profit-sharing plans. The firm emphasizes individualized asset allocation focused on value, safety, quality, and risk control, providing primarily non-discretionary portfolio management with client approval required for trades.

Patrick Long is a financial advisor at Aspire Financial, Inc. with 28 years of industry experience. He holds a Series 63 designation and has been with Aspire Financial since 2011. In addition to his advisory role, he owns and operates Long, Mulhearn & Criste P.C., a certified public accounting firm. Aspire Financial, Inc. is a small, state-registered advisory firm serving individual clients, including high-net-worth households, as well as pension and profit-sharing plans. The firm focuses on individualized asset allocation emphasizing value, safety, quality, and risk control, with portfolio management conducted primarily on a non-discretionary basis.

Robert Knox is a CFP® with 36 years of experience in financial planning and advisory services. He is affiliated with Venn Wealth & Benefit Services, LLC, where he has worked since 2008, and previously operated Knox Financial from 2005 to 2016. Outside of his advisory role, Mr. Knox owns and operates Venn Financial Solutions, a business offering insurance and financial planning services. Venn Wealth & Benefit Services is an independent, fee-based registered investment adviser serving individuals, trusts, and ERISA-qualified plans. The firm provides portfolio management, financial planning, and retirement plan consulting, utilizing unified managed accounts, pre-selected model allocations, and third-party manager recommendations.

Michael Schultz is a financial advisor at Venn Wealth & Benefit Services, LLC with 22 years of industry experience. He holds the Series 63 and Series 66 designations and has been with Venn Wealth since 2004. In addition to his advisory role, Mr. Schultz is licensed to sell insurance as an independent agent, dedicating up to 10% of his time to this activity. Venn Wealth & Benefit Services is an independent, fee-based registered investment adviser that provides portfolio management, financial planning, and retirement plan consulting to individuals, trusts, and ERISA-qualified plans. The firm manages both discretionary and non-discretionary assets and employs unified managed accounts and pre-selected model allocations, with ongoing supervision and quarterly reviews.

Amy Delauter is a financial advisor at Kooman & Associates with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Raymond James Financial Services Advisors Inc. for ten years, overlapping with her tenure at Kooman & Associates since 1999. Kooman & Associates serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, managing approximately $472 million across about 308 clients. The firm offers discretionary portfolio management, financial planning, and retirement plan consulting, implementing customized asset allocations that include equities, fixed income, mutual funds, ETFs, and independent managers.

Justin Best is a CFP® certificant and holds a Series 65 license, currently serving as a financial advisor at Kooman & Associates with two years of industry experience. Prior to joining Kooman & Associates, he worked at KIZ Resources and was involved with the Alleghenies Angel Fund. Outside of financial advising, he has experience associated with the Adler Athletic Complex and Penn State Altoona. Kooman & Associates manages approximately $472 million for individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans through a small advisory team. The firm provides discretionary portfolio management, standalone financial planning, and retirement plan consulting, utilizing client-specific asset allocations that include equities, fixed income, mutual funds, and ETFs.

Stacy Anderson is a financial advisor at Kooman & Associates with 17 years of industry experience. She holds the Series 66 designation and previously worked at Raymond James Financial Services, Inc. for 14 years. Anderson is also an independent insurance agent. Kooman & Associates serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, managing approximately $472 million for about 308 clients. The firm offers discretionary portfolio management, financial planning, and retirement plan consulting, implementing client-specific asset allocations across various asset classes and utilizing certain fund platforms including Dimensional Fund Advisors funds.

Kathryn Starkey is a CFP® with 11 years of industry experience, currently serving at Kooman & Associates. She previously worked at Raymond James Financial Services Advisors Inc. for seven years. Outside of her advisory role, Starkey is active in community organizations, serving on the Young Life Advisory Board, as Secretary of the YMCA, and as President of the AASD Foundation. Kooman & Associates is a small advisory team managing approximately $472 million for individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans. The firm provides discretionary portfolio management, financial planning, and retirement plan consulting, utilizing client-specific asset allocations that include equities, fixed income, mutual funds, ETFs, and independent managers.

Jeffrey Starkey is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked with Kooman & Associates since 2017 and previously with Raymond James Financial Services from 2014 to 2022. Outside of his advisory work, Starkey serves on several nonprofit and advisory boards, including Penn Mont Academy, the UPMC Foundation, and First Methodist Church of Hollidaysburg. Kooman & Associates is a small advisory team serving individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, managing approximately $472 million for about 308 clients. The firm offers discretionary portfolio management, financial planning, and retirement plan consulting, utilizing client-specific asset allocations across multiple asset classes and occasionally recommending unaffiliated independent managers.

Jackson Boyer is a financial advisor at Kooman & Associates with a Series 65 credential and one year of industry experience. Prior to joining the firm, he held roles at The Pennsylvania State University and Boyer Refrigeration, Heating & Air Conditioning. He also serves as treasurer for the First Baptist Church in Altoona, PA. Kooman & Associates serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, managing approximately $472 million for about 308 clients. The firm provides discretionary portfolio management, financial planning, and retirement plan consulting, utilizing client-specific asset allocations across equities, fixed income, mutual funds, and ETFs, with ongoing monitoring and periodic reviews.

Kyle Moerschbacher is a CFP® professional at Kooman & Associates with four years of industry experience. He previously worked at Raymond James Financial Services and has experience in insurance as an independent agent. Kooman & Associates serves individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans, managing approximately $472 million for about 308 clients. The firm offers discretionary portfolio management, financial planning, and retirement plan consulting, utilizing client-specific asset allocations across various investment vehicles and incorporating certain fund platforms such as Dimensional Fund Advisors.

Robert Krimmel Jr. is a financial advisor with Kooman & Associates in Altoona, PA. He holds a Series 65 designation and has been with the firm since 2025. Prior to his advisory role, he spent 13 years at Saint Francis University. Outside of his advisory work, he serves as a part-time color commentator for NCAA Division 1 men's basketball games. Kooman & Associates manages approximately $472 million for individuals, high-net-worth clients, trusts, estates, and employer-sponsored retirement plans. The firm provides discretionary portfolio management, financial planning, and retirement plan consulting, utilizing client-specific asset allocations across equities, fixed income, mutual funds, and ETFs, and incorporates third-party ratings and unaffiliated wrap-fee programs in its services.

Stephen Shaffer is a CFP® with 14 years of industry experience, currently serving as a financial advisor at OneSeven. He has previously worked at Latitude Advisors, LLC and spent 24 years with United Airlines. In addition to his advisory role, he is involved in life and health insurance sales, assisting clients with health, disability, fixed annuities, and life insurance needs. OneSeven provides investment advisory services to individuals, high-net-worth clients, trusts, estates, businesses, and retirement plans. The firm offers diversified portfolio management and financial planning with a primarily long-term investment focus while utilizing third-party platforms and independent managers to implement strategies.

Shane Kaler is a financial advisor at BFC Planning, Inc. with a Series 66 designation and two years of industry experience. He has worked at BFC Planning since 2024 and previously at Berthel, Fisher & Company Financial Services, Inc. from 2022. Outside of his advisory role, Kaler owns and operates Kaler Financial Solutions LLC, which provides fixed insurance, investments, and notary services in Altoona, PA. BFC Planning, Inc. serves a diverse client base including individuals, corporations, and institutional accounts through a network of approximately 200 investment adviser representatives. The firm offers financial planning, portfolio management, and access to various sub-advisory programs, employing a range of investment strategies while excluding advice on futures, hedge funds, and digital assets.

Caden Auker is a financial advisor at Principal Financial Services with one year of industry experience. He holds a Series 66 designation and has prior work experience at Principal Life Insurance Co and Principal Securities. Outside of advisory work, he is involved in writing outside insurance policies, including life, disability, long-term care, health, medical, dental, and annuities for both group and individual clients. Principal Securities provides brokerage and registered investment advisory services to a wide range of clients, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Jesse Ickes is a financial advisor with Principal Financial Services in Altoona, PA, holding Series 63 and Series 65 licenses and nine years of industry experience. He currently serves as a 45% owner and Vice President of Beck, Smithbower, Ickes Financial, LLC, and has held roles at Beck Financial and Wealth Management, Principal Securities Inc., and Principal Life Insurance Company. Outside of his advisory work, Ickes is involved in multiple community organizations, including serving on Altoona City Council, various local boards such as the Altoona Water Authority and the City of Altoona Planning Commission, and leadership roles with the Kiwanis Club of Altoona and First Baptist Church. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money managers through various advisory and promoter arrangements.

Janet Smithbower is a financial advisor with Principal Financial Services, holding Series 63 and 65 licenses and bringing 16 years of industry experience. She has previously worked at Beck, Smithbower, Ickes Financial, LLC, Principal Life Insurance Company, Beck Financial and Wealth Management, LLC, Hancock Associates Inc, The Hancock Group, Inc, and Principal Securities Inc. Outside of her advisory role, she serves as Assistant District Governor and board member for the Rotary Club of Ebensburg. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel outside the U.S. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs through both advisory and promoter arrangements.