Timothy Monson is a financial advisor at Fiat Wealth Management in Orangeville, PA, holding a Series 65 credential with four years of industry experience. Prior to joining Fiat Wealth Management, he worked for eight years at Hawkins Chevrolet. Outside of his advisory role, he owns and operates Arsenal Detailing, an automotive detailing business. Fiat Wealth Management serves individuals, retirement plans, trusts, estates, charitable organizations, and businesses, managing approximately $370 million in client assets. The firm employs a model-driven approach with client-specific asset allocation and tax-aware planning tools, offering services that include financial planning, discretionary portfolio management, and pension consulting.

Lynn Appelman is a CFP® and ChFC® with 42 years of experience, currently serving at Trustmont Advisory Group, Inc. since 2004. In addition to his advisory role, he owns land used for an agricultural program outside of business hours. Trustmont Advisory Group serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering financial planning, investment advice, and discretionary portfolio management with a long-term investment outlook.

Andrea Empie is a financial advisor with Hornor, Townsend & Kent, LLC, holding CFP® and Series 63 credentials and bringing 21 years of industry experience. She has been with Hornor, Townsend & Kent since 2015 and also works as an insurance agent with Penn Mutual Life Insurance Company. Additionally, she is a member of Daddio Financial Advisors LLC, where she provides life insurance brokerage services. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans, offering advisory services through third-party asset managers, financial planning, and retirement consulting. The firm emphasizes client-directed implementation and oversight, managing the majority of client assets on a non-discretionary basis.

James Mccann is a financial advisor with Principal Financial Services who holds Series 63 and Series 65 credentials and has 42 years of industry experience. His career includes roles at Principal Life Insurance Company, Cetera Investment Services LLC, National Penn Capital, and Higgins Insurance. Outside his advisory work, he serves as Board Chair of the Finance Committee for Central Susquehanna Sight Services and is an advisory board member for the Community Giving Foundation. Principal Securities provides brokerage and registered investment advisory services to a diverse range of clients, including individuals, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions through various adviser and promoter arrangements.

Patrick Reilley is a financial advisor with Capital Analysts and holds a Series 63 designation. He has 33 years of industry experience, primarily with Lincoln Investment Planning, Inc. since 1993. Outside of his advisory work, he serves on the Board of Directors for UNB Bank Mt Carmel and has been involved in a solar panel supply business targeting the Dominican Republic. Capital Analysts provides advisory services to a diverse client base, including individuals, high-net-worth clients, charitable and corporate organizations, and institutional clients. The firm combines in-house investment management and research with advisor-level consulting to offer customized portfolios and employs a quantitative screening process to select mutual funds, ETFs, and other strategies.

Brad Warhurst is a financial advisor with Capital Analysts, holding a Series 66 designation and 18 years of industry experience. He has been with Lincoln Investment Planning, Inc. since 2007. Outside of his advisory role, he is involved in a real estate partnership with his wife focused on long-term investment properties and provides clients with fixed life insurance, annuities, Medicare plans, disability, and long-term care insurance. Capital Analysts serves a diverse client base including individuals, high-net-worth clients, charitable and corporate organizations, and institutional investors. The firm employs a quantitative investment process managed by an in-house team that constructs model portfolios and offers customized solutions across mutual funds, ETFs, and stocks, managing approximately $8.9 billion in advisory assets as of the end of 2024.

Brent Traugh is a financial advisor at Capital Analysts with 24 years of industry experience. He holds a Series 63 designation and has been with Lincoln Investment Planning, Inc. since 2000. In addition to his advisory role, he is licensed as a life insurance and fixed annuity agent. Capital Analysts provides advisory services to a diverse client base, including individuals, high-net-worth clients, charitable organizations, and institutional clients. The firm combines an in-house investment management team with advisor-level consulting to offer customized portfolios and manages approximately $8.9 billion in advisory assets.

Craig Ulrich is a financial advisor at GWN Securities Inc. with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with GWN Securities since 2011. Additionally, he works with fixed annuities as part of his other business activities. GWN Securities is an SEC-registered investment adviser and broker-dealer serving individual and business clients through a network of about 423 advisors. The firm offers discretionary managed accounts, financial planning, and access to third-party sub-advisers and model portfolios, employing a range of investment strategies including legacy market-timing and momentum-based methods.

Ben Moore is a financial advisor at Lincoln Investment with a Series 66 designation and one year of industry experience. Prior to joining Lincoln Investment, he worked at Principal Securities and Principal Life Insurance Company. Outside of his advisory role, he is co-owner of Moore Produce, a wholesale and retail partnership involved in planting, maintaining, harvesting, and selling fruits and vegetables. Lincoln Investment is an SEC-registered investment adviser and broker-dealer managing approximately $18.9 billion in assets through a network of nearly 900 advisors. The firm serves individuals, employers, retirement plan participants, charitable organizations, corporations, and other investment advisers, offering a variety of financial planning and investment management services, including advisor-managed portfolios and third-party strategies.

Kevin Serensits is a financial advisor with Truist Advisory Services, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior roles include positions at Cetera, National Penn Bank, and BB&T affiliated firms. Outside of his advisory work, he serves as a licensed tour guide providing historical tours in Gettysburg, Pennsylvania. Truist Advisory Services is a large SEC-registered investment adviser serving individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers a range of discretionary and non-discretionary investment solutions that combine model portfolios, third-party managers, and advisor-led asset allocation and fund monitoring.

James Kishbaugh II is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has been with Cetera since 2013 and is the owner of J & J Financial, a financial services business he founded in 2002. In addition to advisory work, he is an insurance agent specializing in life, disability, annuities, and long-term care products. 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 advisors. The firm offers discretionary and non-discretionary portfolio management, financial planning, fiduciary solutions, and access to multiple investment programs and third-party managers.

Joseph Springer is a financial advisor at Cetera with 20 years of industry experience. He holds the Series 66 designation and has a background that includes roles at Avantax and ownership of accounting and tax preparation firms. In addition to his advisory work, he serves as an elected official for Ralpho Township and operates an accounting and consulting business. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a large network of independent advisors. The firm offers a range of portfolio management and fiduciary solutions, combining advisor-managed accounts, firm-sponsored model portfolios, and third-party managed options.

Jack Howell is a financial advisor at Stifel with a Series 66 designation and has been with the firm since 2024. Prior to joining Stifel, he held positions at The Links at Hemlock Creek, Wilkes University, TY Delta Motors, Keyser Construction, and the Bloomsburg School District. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services supported by proprietary investment analysis and allocation methodologies.

Nyle Berkes is a financial advisor with Mass Mutual Investors Services holding Series 63 and Series 66 licenses and 20 years of industry experience. His career includes roles at Park Avenue Securities and Guardian Life Insurance Company. He is a board member of the Community Giving Foundation, which distributes funds for charitable purposes in Berwick, PA. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of programs including wrap and money-manager options, as well as educational seminars.

Michael Stramara is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Cambridge Investment Research Advisors since 2016 and also has ongoing roles at Cambridge Investment Research, Inc. and AIM, Inc. Outside of his advisory work, he serves as Vice President and independent insurance agent for Associated Insurance Management Inc. Cambridge Investment Research Advisors serves a diverse client base including individual investors, retirement plans, and charitable organizations, offering financial planning, portfolio management, and retirement plan advisory through a large network of independent financial professionals. The firm employs various investment approaches, including model portfolios and third-party strategists, with accounts managed on both discretionary and non-discretionary bases.

Eric Kishbaugh is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. He has been associated with Cetera Wealth Services, LLC since 2014 and also operates under the DBA J & J Financial as a registered representative. Additionally, he is an independent insurance agent offering multiple lines of insurance including health, fixed annuities, and life insurance. 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 services such as portfolio management, financial planning, and fiduciary solutions, utilizing a blend of advisor-managed accounts, model portfolios, and third-party managed solutions.

Sondra Turnbach is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked with LPL Financial since 2008, with a brief period at Private Advisor Group, LLC and Capital Planning Wealth Management from 2018 to 2023. Outside of her advisory role, she is involved in a real estate rental business in Berwick, Pennsylvania. LPL Financial provides advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, charities, and high-net-worth households. The firm offers a variety of investment solutions supported by an in-house research team, combining large-scale advisory operations with non-advisory product offerings such as insurance and lending services.

Alexander Nole is a financial advisor at Thrivent Investment Management with a Series 66 designation and five years of industry experience. His prior work includes positions at Geisinger Health System and Government Employees Insurance Company. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm delivers holistic, goal-based planning with written recommendations across various financial topics, offering clients the option to combine planning with managed accounts under a consolidated billing program called “WealthPlan.”

Lisa Shilko is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She worked at M&T Securities, Inc. for 34 years before joining LPL Financial in 2021. Outside of advisory work, she is a 25% owner of LipTech LLC. 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, offering a range of financial planning and asset management solutions supported by an in-house research team.

Jeffrey Mckinnon is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Wells Fargo Advisors. He is also associated with Service 1st Federal Credit Union. LPL Financial serves a diverse client base including individual investors, retirement plan sponsors, banks, institutions, charities, and high-net-worth households. The firm offers a range of advisory and brokerage services supported by an in-house research team that develops model portfolios and provides various investment strategies tailored to client needs.

David Saul is a financial advisor with Thrivent Investment Management in Bloomsburg, PA, holding a Series 66 designation and 21 years of industry experience. He has been with Thrivent Financial for Lutherans since 2005 and Thrivent Investment Management since 2004. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based analyses and combines planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping these services separate.

Robert Cragle is a financial advisor with Cambridge Investment Research Advisors, Inc., holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. His prior work includes roles at Royal Alliance Associates, Signator Investors, and Transamerica Financial Advisors. In addition to his advisory work, he operates as an independent insurance agent. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors, retirement plans, charitable organizations, and pension/profit-sharing plans through a network of independent financial professionals. The firm offers financial planning, portfolio management, and retirement plan advisory services, utilizing various account platforms and third-party strategists to deliver both discretionary and non-discretionary investment advice.

Timothy Novatnack is a financial advisor at Raymond James Financial with 39 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His career includes long-term roles at Raymond James Financial and Fulton Bank, where he has worked since 2008, and he is also involved in investment sales and service at Fulton Financial Advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through comprehensive risk profiling and supported by a wide range of advisory services and institutional resources.

Kimberly Heimbach is a financial advisor with Edward Jones in Bloomsburg, PA, holding the ChFC® and Series 66 designations and having 13 years of industry experience. She has been with Edward Jones since 2012. Outside of her advisory work, she co-owns a rental property managed by her husband where their son resides. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a wide range of advisory and investment solutions supported by a large network of financial advisors and branch offices nationwide.

Janine Birch is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. Her background includes roles at General Health Resources and multiple academic institutions, alongside a long tenure with Primerica Financial Services dating back to 1998. She is involved in the sale of home security and automation products through a Primerica affiliate. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-driven strategies and discretionary separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure distinct from fixed-fee billing options.

Matthew Defalco is a financial advisor with LPL Financial in Danville, PA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at CUNA Brokerage Services and Applied Underwriters, as well as operating Defalco Consulting. He is also involved with Service 1st FCU in a retirement and investment capacity. 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 investment solutions supported by an in-house Research team and a broad platform that combines advisory operations with non-advisory product offerings.

Joseph Novatnack is a financial advisor at Raymond James Financial with six years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at firms including Citi, Prudential Insurance Company of America, and The Vanguard Group. Outside of his advisory role, he is also employed as a financial advisor with Fulton Financial Advisors. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional entities, offering financial planning and non-discretionary investment consulting. The firm emphasizes tailored financial plans developed through client collaboration and provides a broad array of implementation options, with a notable portion of its advisory business conducted on a non-discretionary basis.