important to you?
You have priorities and we have the insights you need to keep them front
It starts with you
success is about helping you reach your goals, not a number.
A real advantage
Industry-leading research and expert
analysis are here to help you stay ahead.
the right guidance for you
Connect with an advisor and start a conversation about your goals.
Contact a financial advisor
Not who you're looking for?
know some of our other financial advisors.
Wealth Management AdvisorSenior Vice President-Wealth Management120 REGENT COURT
Suite 200STATE COLLEGE,
Reg Senior Client Associate
Registered Senior Client Associate
Cynthia Hayes Karcher, CRPC® Senior Vice President - Wealth Management, began her career as a Financial Advisor with Merrill Lynch in 1977. She holds Series 3, 7, 8, 63 and 65 FINRA registrations.Through Goals-Based Wealth Management and as a Wealth Management Advisor, Cynthia draws upon her academic and industry experience. She has extensive knowledge in retirement planning, sound portfolio construction, estate/succession planning services and debt management. She is a graduate of Dickinson College with a B.A. in Economics, cum laude, and was recognized as an Anthony Math Scholar, Economics, as well as a University Dana Scholar. She has taken several courses through the Wharton School of Business of the University of Pennsylvania.Combining Goals-Based Wealth Management and a disciplined wealth management process, she and her team member, Stephanie Thompson, offer a high degree of seasoned client service simultaneously with personalized strategic solutions based upon the clients risk tolerance, time horizon, liquidity needs and overall investment goals.Some of Cynthia's activities include serving on the Parish Council for Saint John's Church. She was one of ten Resident Directors in Global Wealth Management to serve on the Inaugural Resident Directors Advisory Council to Management. She is currently on the Board of Trustees for the Southern Alleghenies Museum of Art, St. Francis University, Loretto, PA and on the Board of Directors for Garvey Manor and Our Lady of the Alleghenies Residence Retirement Community, Hollidaysburg, PA.Cynthia and her husband, Richard, have three children and reside in Hollidaysburg, Pennsylvania.
Stephanie J. Thompson, CRPC® Registered Senior Client Associate, started her career in the financial services industry in 1988, joining Merrill Lynch in 1995. She holds Series 7, 63 and 66 FINRA registrations. Throughout the years, Stephanie has participated in numerous Merrill Lynch training symposiums and has taken several courses through the New York Institute of Finance.Stephanie offers a high degree of knowledgeable administrative and operational experience as well as overall client service. She works closely with clients to address day-to-day inquiries promptly and efficiently. Her seasoned skill sets and comprehension of the business compliments the team’s Goals-Based Wealth Management approach.Stephanie's volunteer activity includes both time as a Literacy Tutor and a crisis phone operator for Contact USA through Contact Altoona. She is married and resides in Duncansville, Pennsylvania.With over 65 years of combined experience in the financial services industry, we offer a highly experienced and seasoned collaboration of two individuals who are dedicated to sound financial and investment strategies.CRPC® and Chartered Retirement Planning CounselorSM are registered service marks of the College for Financial Planning.
Cynthia Karcher is registered to do business in : CA, CO, CT, DE, FL, GA, IL, KY, LA, MA, MD, MI, NC, NJ, NM, NY, OH, OK, OR, PA, VA, VT, WV
Privacy & Security
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Investment products, insurance and annuity products:
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and U.S. Trust make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest.