Nyi Htoon is a CFA® charterholder and the sole advisor at Step Forward Financial in Lewistown, PA, with one year of experience at the firm and a decade of prior experience at Prudential Financial. He manages a family partnership that oversees investments for his and his siblings' families without compensation. Step Forward Financial provides financial planning and investment consultation services focused on advice rather than discretionary management, serving individuals and families with recommendations centered on low-cost index funds and ETFs. The firm’s approach involves a holistic assessment of clients’ financial situations and offers an hourly fee structure without asset-based or performance fees.

Judy Loy is a ChFC® credentialed financial advisor with Nestlerode & Loy, Inc. in State College, PA, bringing 33 years of industry experience. She has been with Nestlerode & Co., Inc. since 1992. Outside of her advisory role, Loy serves as a director for the University Park Plaza Corporation and is a board member of the Mutual Benefit Group Insurance P & C Board of Directors; she also chairs the Centre County Hospital Authority. Nestlerode & Loy provides discretionary portfolio management and financial planning services to individual and institutional clients, managing approximately $200 million in assets. The firm employs a “Pay Attention” approach that integrates daily price monitoring, technical analysis, and fundamental research, while customizing accounts to client constraints and offering ESG investment options.

Sean Walker is a Series 65-licensed financial advisor at Abundance Wealth Counselors, LLC with four years of industry experience. Prior to joining Abundance in 2021, he held positions at Hoffman Leakey Architects, SeaWalker Consulting, G.M. McCrossin, and Penn State University. Abundance Wealth Counselors offers private wealth management in a family office setting to individuals and families with significant investible assets, as well as advising retirement plans, businesses, estates, trusts, and certain charitable organizations. The firm employs a globally diversified investment approach using equities, fixed income, mutual funds, ETFs, and hedging strategies, supported by external research and an investment committee.

Geoffrey Caber is a financial advisor with Abundance Wealth Counselors, LLC, holding the Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Avail Investment Partners, Investment Research Partners, Compass Investments, Purshe Kaplan Sterling Investments, and Abundance Wealth. Abundance Wealth Counselors provides private wealth management and coordinated advisory services primarily to high-net-worth individuals and families, as well as retirement plans, businesses, estates, trusts, and charitable organizations. The firm employs a globally diversified investment approach supported by external research and an investment committee, offering services such as estate administration, private banking, and access to private investment opportunities.

Derek Varner is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He is currently a partner at Avail Investment Partners, LLC and Investment Research Partners, LLC. Prior to his advisory roles, he spent six years at Bucknell University. Avail Investment Partners is a team-based firm comprising six advisors that provides investment advisory services.

Matthew Mc Gloin is a financial advisor with Abundance Wealth Counselors, LLC in State College, PA. He holds a Series 65 designation and has been with Abundance Wealth Counselors since 2025. Prior to his financial advisory career, he spent several years in professional football with the National Football League and worked in broadcasting for Penn State Football Radio, Sirius XM, and the Big Ten Network. Outside of his advisory role, Mc Gloin is a realtor with Lewith & Freeman Real Estate, founder and president of the Matt McGloin Foundation, and serves on the Penn State Board of Trustees. Abundance Wealth Counselors provides private wealth management to individuals and families with significant investible assets, as well as retirement plans, businesses, estates, trusts, and charitable organizations. The firm constructs globally diversified portfolios using a variety of asset classes and offers ancillary services including estate and trust administration, private banking, and access to private investment offerings.

Aaron Huey is a Series 65-licensed advisor with Abundance Wealth Counselors, LLC in State College, PA. He has been with the firm since 2015. Abundance Wealth Counselors provides private wealth management in a family office setting to individuals and families with significant investible assets, as well as retirement plans, businesses, estates, trusts, and certain charitable organizations. The firm constructs globally diversified portfolios and offers coordinated services including estate and trust administration, private banking, and access to private investment opportunities.

Toner Corl is a financial advisor at Abundance Wealth Counselors, LLC in State College, PA, holding a Series 65 designation with one year of industry experience. He has been with Abundance Wealth Counselors since 2021 and previously attended Pennsylvania State University. Abundance Wealth Counselors provides private wealth management in a family office setting to individuals and families with significant investible assets, as well as retirement plans, businesses, estates, trusts, and charitable organizations. The firm constructs globally diversified portfolios using a mix of individual equities, fixed income, mutual funds, ETFs, and hedging strategies, supported by external research and an investment committee.

Martin Wildy is a CFA® charterholder with 17 years of industry experience. He is a financial advisor at Abundance Wealth Counselors, LLC and has held roles at Avail Investment Partners, LLC, Investment Research Partners, LLC, and Eventide Asset Management. Wildy participates in consulting related to the CFA examination process and serves on the Finance and Investment Committee of ClearWater Conservancy, a local environmental nonprofit. Abundance Wealth Counselors provides private wealth management in a family office setting to individuals and families with significant investible assets, as well as retirement plans, businesses, estates, trusts, and charitable organizations. The firm constructs globally diversified portfolios using various asset classes and employs an investment committee and external research to support portfolio decisions, while also serving as a private fund adviser and sponsor.

Aaron Krasney is a CFP® professional with six years of industry experience, currently serving at Abundance Wealth Counselors, LLC since 2020. His prior roles include positions at Brookstone Capital Management, Taylor Securities Services, Inc., Tobias Financial Advisor, and Guidepoint. Abundance Wealth Counselors provides private wealth management in a family office setting to high-net-worth individuals and families, as well as retirement plans, businesses, estates, trusts, and certain charitable organizations. The firm employs a globally diversified investment approach combining equities, fixed income, mutual funds, ETFs, and hedging strategies, supported by an investment committee and external research.

Peter Pecora is a financial advisor at CreativeOne Wealth, LLC with two years of industry experience. He holds a Series 66 designation and has worked at several firms, including MassMutual of Greater Philadelphia and The Prudential Insurance Company of America. In addition to his advisory role, he is also an insurance agent with Vantage Point Life. CreativeOne Wealth provides fee-based asset management, financial planning, retirement plan consulting, and sub-advisory services to individuals, corporations, charitable organizations, and other RIAs. The firm uses a combination of proprietary ETF-based models, third-party managers, and option strategies, supporting tailored assessments and regular portfolio rebalancing.

Karen Shute is a CFP® and ChFC® with 44 years of industry experience. She is currently with J.W. Cole Advisors, Inc. and J.W. Cole Financial, Inc., having joined in 2023. Prior to that, she worked at Grove Point Investments, LLC and Grove Point Advisors, LLC from 2021 to 2023, and H. Beck, Inc. from 2013 to 2021. J.W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and various managed account solutions.

Adam Khalifa is a financial advisor at Citizens Securities, Inc. with eight years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at CUNA Brokerage Services, Inc. and CUNA Mutual Group. Citizens Securities serves a broad retail client base, including individual and high-net-worth investors and individual retirement plans, offering investment advisory programs as well as brokerage and insurance services. The firm’s advisory offerings include a digital advisory program and a Managed Account program, while operating as both a broker-dealer and insurance agency.

Ashton Immel is a financial advisor at Creative Planning with 12 years of industry experience. He previously worked at Financial Abundance for 14 years before joining Creative Planning in 2025. Immel holds a Series 65 credential and is also licensed as an insurance agent, servicing existing insurance contracts. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process focused on low-cost indexing and buy-and-hold strategies, while offering supplemental approaches such as direct indexing and tax-loss harvesting.

Theodore Oyler is a CFP® with 28 years of industry experience, currently affiliated with J. W. Cole Advisors, Inc. He has worked at Jonathan Roberts Advisory Group, Inc. since 2011 and at Hornor, Townsend & Kent, Inc. since 1998. Outside of his advisory roles, he is a partner in Oyler LP, a real estate investment venture focused on student condominiums in State College, PA. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of over 400 independent investment adviser representatives. The firm provides portfolio management, financial planning, access to third-party managers, and multiple managed account solutions, with investment decisions made on a discretionary or non-discretionary basis.

Alicia Moore is a financial advisor with J. W. Cole Advisors, Inc. in State College, PA, holding Series 63 and Series 65 licenses. She has over 10 years of experience in the financial industry, including roles at Diversified Asset Planners, Inc. and Jersey Shore State Bank. J. W. Cole Advisors is an SEC-registered investment adviser serving individuals, charities, corporations, and retirement plans through a national network of more than 400 independent advisers. The firm provides portfolio management, fee-based financial planning, access to third-party managers, and multiple managed account solutions, utilizing both discretionary and non-discretionary investment strategies.

Debra Guerrero is a ChFC® with 29 years of industry experience, currently serving as a financial advisor at Hornor, Townsend & Kent, LLC since 1999. She is also the proprietor of Financial Directions, where she is involved in life and health insurance sales. Hornor, Townsend & Kent provides advisory services to individuals, trusts, businesses, charitable organizations, and retirement plans, emphasizing client-directed implementation and oversight through third-party asset manager platforms and financial planning.

Rubin Nichols is a financial advisor at Creative Planning with 18 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Financial Abundance, Inc. and Entrepreneur Development Inc. Nichols is also licensed as an insurance agent, providing service on existing insurance contracts. Creative Planning offers investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, and retirement plans. The firm manages approximately $217 billion in client assets and employs a financial planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and supplemental investment techniques, supported by a broad range of affiliated non-investment businesses.

Jenna Heimbaugh is a financial advisor with Creative Planning, holding a Series 66 designation and 18 years of industry experience. She previously worked at Waller & Wax Advisors, Inc. and Raymond James Financial Services before joining Creative Planning in 2016. Outside of her advisory role, she owns two small businesses: The Funny Jenna, which crafts wreaths for home decor, and JH & N Venture, a jewelry repair business. Creative Planning provides investment advisory and financial planning services to a diverse range of clients, including individuals, corporations, foundations, and retirement plans. The firm manages approximately $217 billion in assets and employs a financial planning-led investment approach that includes low-cost indexing, buy-and-hold strategies, and supplemental techniques such as tax-loss harvesting and direct indexing.

Debra Seaward is a financial advisor at Creative Planning with 15 years of industry experience. She holds the ChFC® and Series 66 designations. Prior to joining Creative Planning in 2025, she spent 15 years at Financial Abundance. Outside of advisory services, she is also licensed as an insurance agent and manages existing insurance contracts. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm employs a financial planning–led investment process emphasizing low-cost indexing and buy-and-hold strategies, supported by a large advisory team and a range of affiliated non-investment businesses such as an affiliated law firm, trust company, and retirement plan recordkeeping services.