Since 1986, Jeff has been providing financial advice to hundreds of families, retirees, business owners, professionals, and affluent individuals. His commitment is to build long-term client/advisor relationships and to provide the best in professional guidance. A seasoned professional speaker, Jeff finds his roll as an AFEA chapter president as an excellent way to give back to his community, teaching hundreds of families at Free Public Workshops in the Greater Erie area.

A lifelong Erie resident, Jeff lives in Fairview, PA and is an avid golfer and accomplished musician (trumpet) and regularly performs with the Buffalo Philharmonic "Pops" Orchestra, the W. D. Packard Band in Warren, Ohio and many local groups such as the Misery Bay Big Band. Jeff was the music director, writer/arranger/composer and brass instructor for the Erie Thunderbirds Drum and Corps, and led them to six national championships.

In 2005, Jeff was inducted to the Pennsylvania Drum and Bugle Corps Hall of Fame. On April 24, 2010, Jeff was honored with induction into the Buglers Hall of Fame. He regularly sounds “Taps” for our local hero’s at military funerals, and is also an Ontario Hockey League Off-Ice Official for the Erie Otters Hockey Club.

Currently the vice president of Pancerella Financial Group, LLC., Tim has been exceeding client expectations for 25 years by offering unbiased advice and integrating their investments, insurance and personal tax strategy into an easy-to-understand financial approach. He has earned his client’s trust based on a foundation of ethics, integrity and communication. Tim is also a 5 Star Wealth Manager and has appeared in Philadelphia Magazine. Additionally, he is a retired Navy Reserve Commander with 22 years of service.

Ed graduated from Temple University's business school with honors in 1992. After doing recovery work for New York based money center banks, Ed secured a Financial Advisor position at Prudential Securities; working in Philadelphia and Manhattan. In 1995 Ed chose to become an independent advisor along with Glenn Scharf. Ed and Glenn have worked together ever since. "Being independent has gone hand-in-hand with our business being focused on the client first." Ed is married to Kathleen. They have three children; two in college and one in grade school. Ed is a Certified Financial Fiduciary®, responsible for the development, implementation and maintenance of investment portfolios, along with strategic planning with and for clients and prospective clients. He is also the Investment Team Leader.

Ash Toumayants is the founder of Strong

Tower Associates. For over a decade, he has

helped hard-working people across Central

Pennsylvania prepare for retirement. In

order to gain access to the most beneficial

financial tools and services for his clients,

Ash decided to start his own firm. Fueled by

a passion for helping people see through the

veil of confusion that shrouds the financial

world, his goal is to educate his clients so

they can make more sound choices

regarding their financial future.

Ash graduated from Penn State in 2004 and currently lives in State

College with his lovely wife, Noelle, and their four adorable kids.

Ed Barone, Wealth Manager, CFF at Evergreen Wealth Solutions. Ed is a seasoned wealth manager, with twenty years’ experience assisting affluent families and business owners with Liquidity Strategies, Investment Management, Business Succession, Legacy and Philanthropic Planning.  He previously held the position of Vice President, Senior Client Advisor for Wilmington Trust, where he led a team of wealth and fiduciary professionals who provided investment management, legacy planning, and business succession strategies. Prior to that role, he worked with ING Financial Partners as an Investment Advisor for ten years.  His professional and personal philosophy is shaped by the following quote by Bill Bullard, former Dean of Faculty at San Francisco University High School: “Opinion is really the lowest form of human knowledge. It requires no accountability, no understanding. The highest form of knowledge is Empathy, for it requires us to suspend our egos and live in another’s world.”

Early in his professional career, Larry spent ten years with the U.S Department of Treasury where he helped develop and implementprograms to offset annual tax short falls. There he learned that continuous annual federal budget deficits and an increasing national debt will eventually result in higher taxes. Once this occurs, cash flow, wealth accumulation, and lifestyle may be diminished for a cery long time. So, it is vitally important to develop a financial plan that will reduce the impact of potentially higher tax rates on future retirement income. 

After leaving the U.S Treasury Department, Larry became a financial advisor working with two major financial service firms. One was in the insurance industry and the other in the securities industry. With the financial planning training those firms procvided him, plus his Treasury experience, Larry was uniquely positioned to helps clients determine their financial needs as well as develop and implement a plan to meet those needs.

In 1995 Larry founded Lowder Financial Group, offering comprehensive financial planning services to business owners, professionals, executives, and retirees. As an independent advisor and as a Certified Financial Fiduciary®, Larry is committed to always putting a client's interest first, to making their goals the foundations of their financial plan, and to providing them the education and knowledge needed to make sound , informed decisions. 

Larry has a BBA degree from Wake Forest University and a MBA from the Wharton Executive MBA Program. 

He is a member of The National Association of Certified Financial Fiduciaries and the non-profit American Network of Financial Education.

                                                                    Larry L. Lowder

                                                   Certified Financial Fiduciary/ANOFE Member

                                         Suite One, 175 Strafford Avenue, Wayne, PA 19087

                                                                     (610)420-9092

                                                      LowderFinancialGroup@gmail.com

                                                                     WWW.ANOFE.org

Kevin has been in the financial services industry for over 18 years.  He spent the first 8 years of that time working with The Hartford Life and Annuity Company, learning the intricacies of insurance and annuity products, which have come to the forefront in many situations in regards to generating retirement income.  For the last 10 years, Kevin has worked with NEXT Financial Group, Inc., providing comprehensive retirement income plans for individuals in, and approaching retirement as his primary focus.

Kevin’s objective when developing a plan is to start by listening to their goals and concerns of each individual as they begin to navigate the realities of planning to leave the workforce.  He feels that the ultimate mission is to provide education, and investment planning that addresses both critical needs and discretionary spending.  Success is only achieved when his clients feel secure not only that the bills will get paid, but that they will be able to pursue the endeavors that they worked a lifetime in which to engage.  

A graduate of the Pennsylvania State University and Chartered Retirement Planning Counselor®

 Kevin is committed to putting his clients’ interests first, and spending the time that others may not to make sure that his clients have an in depth understanding of what they’re doing financially, and why they’re doing it.

Brian cofounded Walsh & Nicholson Financial

Group in 1991 and has over 30 years of experience

advising individuals and businesses in the

areas of Wealth Management, Estate Planning,

Retirement Planning, and Insurance Services.

In addition to holding FINRA Series 7, 6, 63,

24, and 65 securities licenses and insurance

licenses for Life, Health, Disability Income and

Fixed Annuities, Brian is also a Chartered Life

Underwriter (CLU), Chartered Financial Consultant

(ChFC), and Registered Financial Consultant

(RFC).

Brian is deeply engaged in both professional

and charitable organizations. He is a Top of the

Table member of the Million Dollar Round Table

(MDRT), the premier membership organization

for financial services professionals, and he serves

as a trustee on the MDRT Foundation Board. In

2005, Brian addressed more than 9,000 people

at the MDRT Annual Meeting, sharing his experiences

dealing with a devastating personal tragedy

and moving on with a zest for life and passion

for giving back to his community.

Brian chairs the Service and Technology Committee

for Ameritas Investment Corp, and previously

served as chairman of the Field Advisory

Cabinet of Union Central Life. He is a past president

of NAIFA Greater Philadelphia and was inducted

into its Hall of Fame in 2006. He also received

NAIFA/GP’s prestigious President’s Cup.

Two areas of service are particularly important

to Brian: finding a cure for juvenile diabetes

and supporting firefighters. He was President of

the Eastern Pennsylvania Chapter of the Juvenile

Diabetes Research Foundation and currently

serves as the Nominating Committee chair. He is

also a life member of Levittown (PA) Fire Company

#2 and a trustee for the Lower Merion Fireman’s

Relief Association.

Brian resides in Haverford, Pennsylvania, with

his wife, Mary Ann. They have three children:

Brian, Matthew, and Kathryn.

Cherese L. Spand has thrived in the financial
services industry for over 16 years.
She attended Mercy College in Dobbs Ferry NY.
Her corporate experience along with her
secular experience has moved her to educate
her clients in the areas of Insurance, Tax free
Retirement Planning and Asset Protection.
Cherese’s unique skill set and determination
has set her apart in the Financial Services
arena. Her focus is educating women and

small business owners on the
importance of having a solid financial blueprint. That will prepare them to be Savvy, Healthy & Empowered. 
Cherese is a member of Rotary International.
She sits on the Executive Board for Monroe
County Women’s Commission, And the
Diversity Council for the LKN Chamber of
Commerce. She won Twilight Rotary
Distinguished Rotarian of the year for 2018-2019