Richard Vera II is a financial advisor at VERA-CPA, Inc. with two years of industry experience. He holds the PFS™ and Series 63 designations and has previously worked at Avantax Advisory Services and held various roles with the US Small Business Administration, Intuit Inc., and the US Department of Defense. Outside of advising, he serves as a finance committee member for the Hemlock Farms Community Association and is a trustee for the National Foundation for Animal Rescue. VERA-CPA, Inc. is a fee-only CPA firm providing financial planning and accounting services, including tax preparation and forensic accounting, to individuals, trusts, estates, charitable organizations, and businesses. The firm focuses on written financial plans and strategic asset allocation using a core-and-satellite approach, primarily recommending passive index funds and ETFs, and does not accept discretionary trading authority or performance-based fees.

Patrick Graver is a CFP® professional with one year of experience in financial advising. He is the principal of Center Stage Planning LLC, an independent firm, and has prior experience working at Bishoff Financial Group, Cambridge Investment Research Inc., and Creative Financial Planning. Before entering the financial industry, he worked in the performing arts, including roles with The Book of Mormon and Fireside Theatre. Center Stage Planning LLC provides fee-only investment advisory services and comprehensive financial planning to individuals and high-net-worth clients. The firm uses a combination of passive and active strategies guided by asset-allocation principles and integrates educational seminars and speaking engagements as part of its client outreach.

Jonathan Kline is a financial advisor with Lakewood Financial Group, LLC, holding Series 63 and Series 65 licenses and 15 years of industry experience. His prior roles include positions at JP Morgan Securities Inc. and JP Morgan Chase Bank. Lakewood Financial Group provides comprehensive wealth management to high-net-worth individuals and families, offering institutional-caliber portfolio management combined with holistic financial planning. The firm employs a strategic core with tactical overlays, emphasizes tax sensitivity, and utilizes both internal and unaffiliated third-party managers through formal due diligence without accepting referral compensation.

Andrew Katz is a financial advisor with Prospera Financial Services, Inc., holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has been with Prospera since 2000. Outside of his advisory role, Katz serves on the board of the Blair County Tea Party and the Congregation Beth Israel board of trustees, and he volunteers as secretary of the Lake Ariel Lions Club. Prospera Financial Services, Inc. is an enterprise-scale adviser and dually registered broker-dealer serving individuals, corporate and charitable entities, and retirement plans. The firm manages approximately $12.4 billion through about 207 advisors across roughly 140 offices, offering a range of investment advisory and financial planning services through multiple platforms and customizable portfolio management options.

Amy Sporer is a financial advisor at Centaurus Financial, Inc. with 20 years of industry experience. She holds the Series 66 designation and has been with Centaurus Financial since 2007. Outside of her advisory role, she is involved in the sales and service of disability and accident/health insurance plans for individuals and small business owners. Centaurus Financial, Inc. provides advisory services through a network of independent representatives to a broad client base including individuals, families, small businesses, and institutions. The firm offers financial planning, investment management, access to third-party managers, and retirement plan advisory services.

Scott Fonner is a financial advisor at Empower Advisory Group with Series 63 and Series 66 credentials and over a decade of experience in the financial services industry. His prior roles include positions at USAA FSB and Guild Mortgage. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to 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.

Jonathan Sheard is a financial advisor with Centaurus Financial, Inc. He holds a Series 66 designation and has 21 years of industry experience. He has been with Centaurus Financial since 2004 and concurrently operates Summit Answering Service. Outside of his advisory role, Sheard serves as treasurer and Sunday school teacher at Calkins Baptist Church, is treasurer of the Boyds Mills Hunting Club, and acts as treasurer and EMT for the Damascus Volunteer Ambulance Corps. Centaurus Financial, Inc. provides advisory services through a network of independent representatives to a diverse client base including individuals, families, businesses, and institutions. The firm offers financial planning, asset management, access to third-party money managers, and retirement-plan advisory services.

Robert Schwartz is a financial advisor at Private Advisor Group, LLC with 22 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Private Advisor Group since 2014, also maintaining a role with LPL Financial since 2011. Private Advisor Group, LLC is an SEC-registered advisory firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers both discretionary and non-discretionary portfolio management, financial planning, and access to third-party asset management programs, employing a range of investment strategies tailored to client objectives and risk tolerances.

Andrew Sheard is a financial advisor at Centaurus Financial, Inc. with six years of industry experience. He holds the CFP® and ChFC® designations, as well as the Series 66 license. Prior to joining Centaurus Financial in 2020, he worked at PCP Consulting and Hantz Financial Services. Outside of his advisory role, Sheard serves as Treasurer for the Calkins Union Cemetery Association, a volunteer position involving financial oversight and recordkeeping. Centaurus Financial, Inc. provides advisory services through a network of independent representatives to individuals, families, small businesses, and institutional clients. The firm offers financial planning, investment management, and retirement-plan advisory services, utilizing a combination of fundamental and technical analysis along with access to third-party managers and unified managed account programs.

Mitchell Harris is a financial advisor at Raymond James Financial Services Advisors Inc. with 10 years of industry experience. He holds a Series 66 designation and has been with Raymond James since 2015. Outside of his advisory role, he is a musician and serves as a subcommittee member for a local business networking organization. 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, utilizing asset-allocation analysis and firm research to develop tailored recommendations, often functioning in an advisory and implementation-support capacity.

Holly Ginas is a financial advisor with Edward Jones, holding a Series 66 designation and 19 years of industry experience. She has been with Edward Jones since 2020, and previously worked in advertising and chiropractic services. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, with a nationwide network of more than 23,700 advisors.

Matthew Anderson is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His prior work includes roles at Nationwide Securities, LLC and Nationwide Insurance, and he has managed the Meagher Insurance Agency since 2007. Outside of financial services, Anderson serves as a ring steward at the Sussex County Farm & Horse Show, engaging with judges, exhibitors, and announcers during events. 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 a range of portfolio management, financial planning, and fiduciary services, utilizing a combination of advisor-managed accounts, firm-sponsored model portfolios, and third-party managed solutions.

Cynthia Galloway is a financial advisor with Cetera, holding Series 63 and Series 66 designations and over 22 years of industry experience. Her prior roles include positions at LPL Financial, Wayne Bank, and The Dime Bank. 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, offering a range of portfolio management, financial planning, and fiduciary services.

Terry Jue is a financial advisor at Ameriprise with 25 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is involved in several business ventures including managing consulting activities through The TEEJ Organization, LLC. Ameriprise is a large institutional firm that offers a range of advisory, brokerage, and insurance solutions. Its retirement-income planning service targets individuals approaching or in retirement with significant investable assets and combines research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Janet Bellezza is a financial advisor at Edelman Financial Engines with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at the firm and its predecessor entities since 2014. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages model-based and customized portfolios, offers sub-advisory services, and supports a large client base through both advisor-led and online platforms.

William Carmody is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Cetera and its affiliated entities since 2013 and also has a role with Honesdale National Bank. Outside of his advisory work, he serves as a trustee of an irrevocable life insurance trust for family members, overseeing premium payments and annual statements. 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 solutions, combining retirement capabilities with a broad trust and institutional network.

James Gardas is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. He has worked at Cetera and its affiliate Cetera Wealth Services since 2013 and has been affiliated with The Dime Bank since 2008. Outside of his advisory role, he owns J & J Creamery, an ice cream and fast food business. 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, combining advisor-managed accounts with model portfolios and third-party solutions.

Robert Tugend is a CFP® professional with 26 years of industry experience, currently serving at LPL Financial since 2025. His prior experience includes roles at Grove Point Investments, Grove Point Advisors, Nazareth Area School District, and H.Beck, Inc. He also operates an accounting and tax preparation service. LPL Financial provides advisory and brokerage services to a diverse client base, offering a range of investment solutions supported by an in-house research team and a large network of investment adviser representatives.

Burton Chapman is a financial advisor at Cetera with four years of industry experience. He holds the Series 66 designation and has worked at Cetera and Honesdale National Bank since 2019, with prior experience at Fidelity Discount Deposit Bank and Honesdale Auto and Truck Supply. Cetera Investment Advisers serves a diverse client base including individuals, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, combining retirement capabilities with institutional trust services.

George Legakis is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has worked at Cetera and its affiliated entities since 2015 and operates GAK Wealth Management LLC, a real estate management and leasing business. He also manages administrative functions for an LLC supporting his Summit practice and serves as a power of attorney for a retired family member. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers a range of portfolio management, financial planning, and fiduciary services, utilizing advisor-managed accounts, model portfolios, and third-party solutions.

Joseph Adams is a financial advisor with Cetera, holding a Series 66 designation and 17 years of industry experience. His career includes roles at LPL Financial, various Pennsylvania state and local government positions, and multiple tenures within Cetera-affiliated firms. Cetera Investment Advisers serves a broad client base, including individual, high-net-worth, institutional, and retirement-plan clients, through a large network of independent advisors. The firm offers portfolio management, financial planning, fiduciary solutions, and access to third-party managers, utilizing a mix of advisor-managed accounts, model portfolios, and managed solutions.

Benjamin Burkhardt is a financial advisor at Raymond James Financial Services Advisors, Inc. with three years of industry experience. He holds the Series 66 designation and has worked at Raymond James since 2023, alongside roles at Krupa Wealth Management and as a varsity football coach for the Wallenpaupack School District. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm provides financial planning and non-discretionary investment consulting through Wealth Advisory Services and institutional consulting, emphasizing tailored financial plans developed through client collaboration and firm research.

Thomas Sporer Jr. is a financial advisor with Ameriprise based in Honesdale, PA, holding Series 63 and Series 65 licenses and with 32 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Outside of his advisory role, he serves on the Board of Directors and as Treasurer of the Texas Rod and Gun Club, Inc., and is a board member of the Eagle Home Association. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide written recommendations. The firm delivers these services through a centralized consulting team and offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Gordon Rhoads is a financial advisor with Cetera, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at LPL Financial, Edward Jones, and Securities America Inc. He is also currently affiliated with Wayne Bank. 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 combination of advisor-managed accounts, firm-sponsored model portfolios, and third-party managed solutions.

Michael Krupa is a financial advisor with Raymond James Financial, holding a Series 66 designation and 19 years of industry experience. Prior to joining Raymond James in 2020, he worked at Wells Fargo from 2014 to 2020. He is also the president and owner of Krupa Wealth Management, a support company based in Honesdale, PA. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-HNW clients, pension and profit-sharing plans, charitable organizations, corporations, and government entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans developed through detailed client interviews and risk profiling.

Eric Odell is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and one year of industry experience. He has worked at several firms including NYLife Securities LLC and The Dime Wealth Management, where he also provides administrative support. Prior to his financial services career, he held various roles in education, construction, and golf course management. Cetera Investment Advisers serves 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 advisor-managed accounts with firm-sponsored models and third-party solutions.

Kelly Fischer is a Series 66-licensed financial advisor with Raymond James Financial, based in Honesdale, PA. She has three years of experience in wealth management and financial services, including roles at Krupa Wealth Management and Raymond James Financial Services, Inc. Prior to her career in finance, she spent eight years at Dunmore Healthcare Center and three years in homemaking. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, retirement plans, corporations, and institutional clients. The firm offers non-discretionary financial planning and investment consulting supported by wide-ranging affiliated services and specialized municipal and institutional advisory capabilities.

Jeffrey Gerson is a financial advisor at Morgan Stanley with 38 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank since 2015, as well as Citigroup Global Markets since 1993. Outside of his advisory role, he is involved in songwriting as a proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools such as Monte Carlo simulations to model outcomes.

Joanne Secky is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 32 years of industry experience. She has been with LPL Financial since 1995. Outside of her advisory work, she is an author of two books, including one titled *VAGENDA*, and is also involved in home caregiving. 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 accommodates both advisory and brokerage needs through a large network of investment adviser representatives.

Cheryl Lewis is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. She previously worked at Avantax Advisory Services and related entities for over two decades. Lewis has served as past president and board member of regional tax and accounting professional organizations and operates a business consulting practice focused on accounting, payroll, tax, bookkeeping, investments, and advisory services. Cetera Investment Advisers serves a diverse client base including individual, high-net-worth, institutional, and retirement-plan clients through a network of independent advisors. The firm offers a range of portfolio management, financial planning, fiduciary solutions, and access to third-party money managers, combining retirement and fiduciary capabilities with a broad institutional platform.

Thomas Regenski is a CFP® professional with 11 years of industry experience. He is currently with Edward Jones, where he has worked since 2021. His prior experience includes roles at LPL Financial, The Fidelity Deposit & Discount Bank, INVEST Financial Corporation, CETERA Advisor Networks LLC, and Davis R Chant Realtors. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies and operates under a fiduciary standard, supported by a large national network of financial advisors and branch offices.

George Stefanou is a CFP®-designated financial advisor with Edward Jones, where he has worked since 2009, totaling 16 years of industry experience. He serves as a board member and treasurer for SoDo District in Orlando, FL, and recently authored a book on differing perspectives, strategies, and attitudes toward money. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard with a nationwide network of more than 23,700 financial advisors.