Bradford County, PA Wealth Management Team

Larry is a local industry veteran with extensive knowledge and expertise in all facets of financial planning. With over 20 years in the financial services industry, he has been with C&N since 1999 and is currently a Regional Wealth Management Executive, a role in which his personal goal of helping people is fulfilled day in, day out. He believes that “superior service” means getting to know our clients, understanding what is truly important to them, and helping them put a plan together to accomplish those very personal desires.

Larry is an Honors Graduate of Cannon Financial Institute, Trust Schools 1, 2, & 3.  He has also completed the College for Financial Planning Professional Education and the American Bankers Association Private Wealth Management School. In addition to holding the designation of both Certified Trust and Financial Advisor (CTFA) and Certified Financial Planner practitioner (CFP), he also holds Security Licenses Series 7 – General Securities Representative and Series 63 – Uniform Securities Agent, as well as Life, Accident, Health and Property Casualty Insurance Licenses. Larry served as a member of the Pennsylvania Bankers Association Advisory Committee on Financial Planning from 2002 through 2004.

Larry is known to be an exceptionally active member of his community. He was appointed and/or elected to Pike Township Board of Supervisors from 1992 through 2011. He is also an active member and Sunday School teacher of the Rome Presbyterian Church, Past President of Athens Rotary, a member of LeRay Lodge #471 F. & A.M., a member of the Financial Planning Association, and has been a member of the Finance and Investment Committee for the Community Foundation for the Twin Tiers since its inception in 2002.

With more than seventeen years of industry experience, Matthew is a Certified Trust and Financial Advisor and holds several Pennsylvania Insurance Licenses. He successfully completed programs through The Cannon Financial Institute’s Trust School and Retirement Sales School, as well as The Pennsylvania Bankers Association Trust School. Prior to joining C&N, he was employed by Gannon Associates and First Citizens Community Bank. 

To further expand upon his financial and estate management expertise, in 2014, Matthew earned his Certificate of Accreditation as a Professional Minerals and Royalty Asset Manager. With his accreditation, Matthew partners with area mineral owners to ensure their oil & gas ownerships are being managed properly. 

Matthew acts as coach and treasurer of the Canton Little League and also coaches Legion baseball. He and his wife, Laura, have four children and reside in Troy, PA.

A testament to her experience and dedication to her clients, Darci Baird has established herself as one of the area's leading Financial Consultants. With over 34 total years in the Financial Industry, Darci has cultivated a wealth of knowledge and experience, providing her clients with the best financial services available. She has been with Citizens & Northern Bank for 17 years and is currently Vice President, Senior Financial Consultant and Certified Trust and Financial Advisor. Darci graduated from Mansfield University and The Cannon Financial lnstitute's Trust School.

Committed to her community, Darci is actively involved in several organizations . She is a Speaker and Spokeswoman for Susan G. Komen for the Cure Twin Tiers Association, Speaker and Advocate for the PA Breast Cancer Coalition and is also a Mentor for Hope. Darci and her husband, John, have two grown children and reside in Athens.

A part of the C&N family for over 34 years, Lori has been a Teller, a Loan Clerk, a Trust Administrative Assistant and now serves as a Trust Officer. 
 
Lori was educated at the Canon Trust School as well as the PBA School of Trust. She is the Treasurer of the Towanda Rotary Club, enjoys outdoor activities and has two grown children, Kody and Kayla.

Jennifer Schultz is a Trust Officer at C&N. In her role, she works with clients who use C&N to manage their investments, administer or advise on trusts and estates, as well as general financial planning. Jennifer joined C&N in 2000 as a Trust Administrative Assistant and has been in her current role as Trust Officer since 2007. Jennifer received her Bachelor’s Degree in Nutrition and Dietetics from Mansfield University, and received certifications from PBA Trust School at Bucknell University and Cannon Financial Institute Trust School 1, 2 and 3. She holds licenses in Life, Accident and Health Insurance. 

In her spare time, she serves as Treasurer for Tioga Point Museum in Athens, PA. She also serves as a Trustee for the Northeast Bradford Education Foundation. Jennifer enjoys camping, the outdoors and spending time with her husband, Bob, and their two children. 

“I enjoy helping our clients find good financial solutions for the challenges they experience through all stages of life. The depth of knowledge and resources our team has available to meet client needs is second to none. I am fortunate to serve alongside this team of honest, caring professionals as we build long lasting relationships with our clients.”