Generational Wealth Management

👋 Meet the Team

Continuing our weekly spotlight, we're excited to introduce Carrie Sutter 👏

Carrie has been with John & GWM for 10 years and serves as our Finance Manager. Throughout her time with the firm, she has played a critical role in helping ensure the financial operations of the business run smoothly and efficiently.

As Finance Manager, Carrie is responsible for maintaining accurate financial information, recording daily transactions, processing payroll and employer tax filings, and producing financial reports that provide valuable insight into the firm's overall business performance. Her attention to detail and commitment to accuracy help support the strong operational foundation that allows our team to focus on serving clients.

Carrie's dedication behind the scenes is instrumental to the success of GWM. Her expertise, reliability, and commitment to excellence make her a valued member of our team, and we're grateful for the impact she makes every day.

Stay tuned as we continue highlighting the talented individuals who make GWM exceptional!

🎉 Happy Birthday, Jay! 🎉

Today we're celebrating Jay Bernatowicz!

Jay's dedication, expertise, and commitment to serving our clients make a positive impact every day. His leadership and willingness to support both clients and colleagues help make our team stronger.

Please join us in wishing Jay a very happy birthday filled with happiness, laughter, and all the things he enjoys most. We're grateful to have him on our team and look forward to another great year ahead!

🎂🎈 Happy Birthday, Jay! 🎈🎂

🎉 Happy 1-Year Work Anniversary, Zack! 🎉

Today we're celebrating Zack and his first anniversary with our Investment Operations team! 🥳

Over the past year, Zack has been a valued member of the team, bringing dedication, professionalism, and a positive attitude to everything he does. His contributions have helped support our operations and serve our clients with excellence.

Thank you, Zack, for all of your hard work and commitment during your first year. We appreciate everything you do and look forward to many more successes together!

Please join us in congratulating Zack on this milestone and wishing him continued success in the years ahead! 👏🎉

👋 Meet the Team

We're excited to introduce the newest member of the GWM team, Terri Henson! 👏

Terri will be joining our team this week as Investment Operations.

With more than 15 years of experience in financial services, Terri brings a strong background in operations, process management, and client support. She was drawn to wealth management because it combines her interest in the financial industry with her passion for helping people and ensuring things run smoothly behind the scenes.

In her role, Terri will support our advisors and clients by opening new investment accounts, processing account transfers and movements, and providing timely, accurate service to clients and prospects. Her attention to detail, problem-solving skills, and commitment to operational excellence will make her a valuable addition to our team.

Please join us in giving Terri a warm welcome to GWM. We look forward to the expertise, energy, and dedication she will bring as we continue serving our clients and growing together!

Congratulations to Zack on Becoming Fully Licensed! 🎉

We are proud to celebrate a significant professional milestone for our Investment Operations team member, Zack, who has officially become fully licensed by earning his Series 7, Series 66, and Pennsylvania Life & Health Insurance (LAH) licenses.

This accomplishment reflects Zack's dedication, hard work, and commitment to continuous learning and professional growth. Earning his Series 7, Series 66, and Pennsylvania Life & Health Insurance licenses required countless hours of study, discipline, and perseverance. Passing his PA Life & Health Insurance exam this morning marked the final step in becoming fully licensed, a well-deserved achievement that highlights his determination and commitment to serving our clients and supporting our team at the highest level.

Please join us in congratulating Zack on this outstanding accomplishment. We look forward to seeing all he will continue to achieve and the positive impact he will make for our clients, our team, and our firm.

👋 Meet the Team

Continuing our weekly spotlight, we're proud to introduce Anne Frownfelter from our Bradford office 👏

Anne has been serving clients for an impressive 41 years with Northwestern Mutual, including the last 6 years with GWM. Her experience, dedication, and client-focused approach make her an invaluable member of our team.

As the first point of contact for many of our Bradford clients, Anne is committed to providing timely, attentive support and ensuring a positive client experience. She coordinates and schedules client review meetings, prepares comprehensive reports, and assists with a wide range of insurance and investment account service needs. Anne also plays a key role in opening new accounts and managing the documentation and transfer process, helping clients navigate each step with confidence and ease.

Anne holds her RICP® (Retirement Income Certified Professional®) designation, along with her Series 6, 7, and 63 licenses, Life, Accident & Health (LAH), and Long-Term Care License. The RICP® designation reflects specialized expertise in retirement income planning, helping clients create strategies to turn their savings into sustainable income throughout retirement.

In recognition of her dedication and exceptional service, Anne has also received Northwestern Mutual's Commitment to Excellence Award, a testament to the professionalism, care, and attention she brings to clients and colleagues alike.

We're grateful for Anne's decades of experience, unwavering commitment to client service, and the positive impact she makes every day. Stay tuned as we continue highlighting the talented individuals who make GWM exceptional!

🎉 Celebrating an Incredible Milestone! 🎉

Today, we're proud to recognize our partner, Adam, on his 29-year anniversary with Northwestern Mutual and 6 years with GWM.

Throughout his career, Adam has demonstrated exceptional leadership, unwavering dedication, and a genuine commitment to helping clients achieve financial security and success. Over the past six years, his contributions to GWM have helped strengthen our team, elevate our client experience, and shape our firm's continued growth.

Adam, thank you for the passion, expertise, and integrity you bring to our organization every day. We are grateful for your partnership and honored to celebrate this remarkable milestone with you.

Please join us in congratulating Adam on 29 outstanding years of service and leadership! 👏

👋 Meet the Team

We’re excited to continue our weekly spotlight by introducing Pam Holzer 👏

Pam has been an integral part of GWM for 16 years, bringing consistency, expertise, and a truly client-first mindset to everything she does. In her role, she oversees the opening of new investment accounts, processes account movements and transfers, and ensures timely, accurate service for both clients and prospects.

Pam holds her Life, Accident & Health (LAH), Series 6, 7, and 63 licenses, along with the RICP® (Retirement Income Certified Professional®) designation. This credential focuses on specialized strategies for creating sustainable retirement income, helping clients confidently transition from saving to spending in retirement.

Beyond her credentials and responsibilities, Pam is truly the backbone of our office. She keeps everything running smoothly and approaches everything with patience and care. Her dedication and positive presence make a meaningful impact on both our team and the clients we serve every day.

We’re incredibly grateful for Pam and all that she does. Stay tuned as we continue highlighting the people who make GWM exceptional!

📚 Financial Education Spotlight 💡

This afternoon, GWM advisors John, Jay, and Maria had the opportunity to present to LECOM residents on important financial topics.

We discussed how to distinguish good debt from bad debt, how to prioritize which debts to pay off first, and the importance of starting to invest early to help prepare for retirement.

We’re proud to continue providing educational presentations that help individuals build a stronger understanding of important financial concepts.



For educational purposes only; not individualized investment, tax, or legal advice.

👋 Meet the Team

Continuing our weekly spotlight, we're proud to introduce Jay Bernatowicz 👏

Jay has been with GWM for 4 years and serves as a Lead Advisor & our Director of Financial Planning. In this role, he works closely with clients to understand their financial goals, priorities, and comfort with risk, using that insight to develop customized financial plans tailored to their unique circumstances. Jay specializes in working with high-net-worth individuals and families, business owners, and young professionals, helping them navigate complex financial decisions and build strategies designed to support their long-term goals. He then collaborates with our team to implement those strategies and continuously monitor progress, helping ensure clients remain on track as their lives and goals evolve.

Jay holds the distinguished CFP® (Certified Financial Planner™), CAP® (Chartered Advisor in Philanthropy®), and CDFA® (Certified Divorce Financial Analyst®) designations. These credentials reflect advanced expertise in comprehensive financial planning, charitable and legacy planning, and financial guidance through the complexities of divorce. His specialized knowledge allows him to help clients navigate a wide range of financial situations with confidence and clarity.

In addition, Jay recently achieved another significant professional milestone by successfully passing the CLU® (Chartered Life Underwriter®) examination, demonstrating his continued commitment to expanding his expertise and delivering exceptional guidance to clients.

Jay's thoughtful approach, technical expertise, and commitment to understanding what matters most to each client make him an invaluable resource to both our clients and our team. We're grateful for the leadership and guidance he brings to GWM every day.

Stay tuned as we continue highlighting the talented individuals who make GWM exceptional!