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.

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.

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.

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.

Brian Hummel is a financial advisor at Cetera with 22 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Cetera since 2019, previously working at infinex Investments and Pennian Bank. Outside of his advisory role, he is involved in raising small truck patches for roadside produce sales, furniture restoration, antique sales, and dog breeding. Cetera 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, combining retirement capabilities with trust and institutional resources.

Daryl Schafer is a financial advisor with LPL Financial in Boalsburg, PA, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. He has been with LPL Financial since 2009 and also maintains a role at Culbertson Financial Services since 2002. Schafer serves as an elected township supervisor and chairman for Haines Township, Centre County, PA, where he participates in local governance and community oversight. 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 wide range of investment solutions supported by an in-house research team and accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

Lauren Naylor is a financial advisor with Ameriprise in Lewistown, PA, holding a Series 66 designation and four years of industry experience. She has worked at Ameriprise since 2015 and spent a year with Pacers Sports & Entertainment. Outside of her advisory role, she works part-time at Hawstone Hollow Winery, assisting with wine tastings and other duties. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver personalized, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

James Naylor Jr. is a CFP® with 34 years of industry experience, currently with Ameriprise since 2020 and previously with Ameriprise Financial Services, Inc. from 2005 to 2020. He is based in Lewistown, PA. Outside of his advisory role, he is involved in youth basketball as a coach and organizer through Naylor Basketball, LLC, and also publishes sports-related content and podcasts via Naylor Publishing, LLC. Additionally, he serves as a licensed high school basketball official. Ameriprise is a large institutional firm that offers retirement-income planning services targeting individuals with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary retirement recommendations delivered through a centralized consulting team in partnership with the client’s financial advisor.

Matthew Walters is a financial advisor with Ameriprise in Reedsville, PA, holding a Series 66 designation and 17 years of industry experience. He has been with Ameriprise and its related entities since 2009. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, emphasizing managed accounts and utilizing algorithmic automation overseen by a retirement income committee.

Peter Krum is a financial advisor with Thrivent Investment Management in Lewistown, PA, holding Series 63 and Series 66 designations and bringing 26 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his financial advisory role, he co-owns a weekend hot dog cart business in State College, PA. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on various financial topics without implementation. The firm emphasizes holistic, goal-based analyses and allows clients to integrate planning with managed-account programs while maintaining distinct service lines.

Victor Yoder is a financial advisor with Edward Jones in Burnham, PA, holding Series 63 and Series 66 licenses and having 21 years of industry experience. He has been with Edward Jones since 2004. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and affiliated investment options. The firm manages approximately $1.01 trillion in assets and operates a nationwide network of more than 23,700 financial advisors.

Dominic Aiello is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. He has concurrently managed his own firm, Culbertson Financial Services LLC, since 2016 and has prior work experience at Uber. Outside of his advisory roles, he has been involved with Saint Joseph Catholic Academy since 2017. 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 range of financial planning and investment management solutions supported by an in-house research team and a broad network of investment adviser representatives.

Becca Doyle is a financial advisor at Ameriprise with seven years of industry experience. She holds the Series 66 designation and has been with Ameriprise and its affiliate since 2015. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement who meet specific asset criteria, providing written recommendations that cover income sources, Social Security claiming strategies, and tax-efficient withdrawals. The firm combines research, modeling, and tax analysis in its approach and operates as a large institutional provider of advisory, brokerage, and insurance solutions.

Christopher Acheson is a financial advisor with Mass Mutual Investors Services in Rockville, NY, holding a Series 63 credential and 22 years of industry experience. His career includes roles at MetLife Securities Inc. and Massachusetts Mutual Life Insurance Company. Outside of his advisory work, he serves as a football official. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that delivers financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm emphasizes collaborative, annual financial planning engagements using firm-approved analytical tools and offers a range of investment and educational programs.

Daniel Aiello is a financial advisor with LPL Financial in State College, PA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, Aiello is involved in business development for individual and group health, life, and disability insurance through Culbertson Financial Services, where he serves as an agent. 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 delivery options supported by an in-house research team, combining large-scale advisory operations with non-advisory product activities such as insurance and annuity sales.

Megan Dietz is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at Mass Mutual Investors Services and Mass Mutual Life Insurance Company. 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, financial planning, and fiduciary solutions, combining advisor-managed accounts, firm-sponsored model portfolios, and third-party managed options.

Preston Sharp is a financial advisor with Cetera, holding the ChFC® designation and Series 63 and 65 licenses, and has 25 years of industry experience. He previously worked at Concourse Financial Group Securities Inc. for 25 years and has operated (dba) The Stewardship Group Inc. since 2000. Sharp serves as president of Valley View Retirement Community’s board, a retirement and long-term care facility in Belleville, PA. Cetera Investment Advisers supports individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors, offering portfolio management, financial planning, fiduciary solutions, and access to third-party money managers. The firm combines retirement and fiduciary services with institutional trust capabilities and employs a range of managed account and advisory program options.

Jonathan King is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 11 years of industry experience. He previously worked at Cetera Investment Advisers, LLC and Cetera Advisor Networks, LLC before joining LPL Financial in 2025. King also has a role at Juniata Valley Bank. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, charities, and high-net-worth households. The firm provides a variety of investment solutions supported by an in-house research team and combines large-scale advisory operations with a range of non-advisory financial products.

Malcolm Parks is a financial advisor with Cetera in Milroy, PA, holding Series 63 and Series 65 licenses and possessing 37 years of industry experience. He has worked at Cetera and its affiliates since 2019 and previously at Infinex Investments from 2015 to 2019. Outside of his advisory role, he serves as the secretary of the Lady Patriots girls softball team. Cetera Investment Advisers serves individual, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, fiduciary solutions, and access to third-party money managers, combining retirement and fiduciary capabilities with a broad trust and institutional network.

Lucas Craig is a financial advisor with MassMutual Investors Services and holds Series 63 and Series 65 credentials. He has 11 years of industry experience, working with MassMutual since 2014. Outside of his advisory role, Craig is also a marketing employee at Kish Financial Solutions and serves as an agent there. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements and offers a range of programs including asset management and educational seminars.

Ryan Hollis is a financial advisor with Cetera who holds a Series 66 designation and has 25 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years at VOYA Financial Advisors. Outside of his advisory work, Hollis serves as a volunteer assistant soccer coach for a youth league in his local community. 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 discretionary and non-discretionary portfolio management, financial planning, fiduciary solutions, and access to third-party money managers, combining retirement and fiduciary capabilities with a broad institutional platform.

Daniel Corbett is a financial advisor at Edward Jones in Burnham, PA, holding a Series 66 designation with one year of industry experience. Before joining Edward Jones in 2025, he worked in various roles including at Confer's Jewelers and Mull Information Servies. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies supported by a large network of financial advisors and branch offices nationwide.

Clinton Imes is a financial advisor with MassMutual Investors Services, holding Series 63 and Series 65 designations and eight years of industry experience. His career includes roles at Mariner Wealth Advisors and Vantage Investment Advisors. Imes also holds a banking position with Kish Bank, providing administrative assistance as part of a strategic alliance with MassMutual. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, employing collaborative, software-driven analysis to deliver tailored recommendations.