Tioga County, PA Wealth Management Team

Scott came to C&N Investment Services in 2020 with 25 years of financial services experience already under his belt. He has an Associate of Applied Science degree from the Pennsylvania College of Technology and graduated from the Graduate School of Retail Banking at the University of Virginia. In addition, Scott is Certified in Long Term Care, a Certified Mutual Fund Counselor and a Life Underwriter Training Council Fellow. He has Series 24, 7, 65 & 63 Securities Registrations, currently held with LPL Financial, and holds Pennsylvania Life, Accident & Health Licenses. 

Scott is a former Liberty Borough Councilmember, has volunteered with a multitude of charities and enjoys outdoor sports with his wife and two daughters. 

Monica Fox brings nearly a decade of wealth management experience, having worked in the industry since 2016. Throughout her career, she has specialized in supporting C-suite executives and industry-leading Client Advisors as well as coordinating client events across diverse markets, including Manhattan, Philadelphia, D.C., West Chester, and Wellsboro, Pennsylvania.

Monica joined the Investment team at Citizens & Northern Wealth Management in July, 2025 and is committed to delivering exceptional client service. She plays an integral role in supporting the team’s initiatives, helping ensure a seamless experience for clients.

A graduate of Duke University, Monica earned a Bachelor of Arts degree with double majors in Philosophy and Political Science. She is a native Spanish speaker and spent part of her childhood living and studying in Mexico, where her family has deep roots.

Outside of her professional responsibilities, Monica has been a hospice volunteer with UPMC Hospice since 2025 and serves as a grief support specialist, leading support group meetings for individuals and families navigating loss. In her free time, she enjoys reading historical biographies, running, walking, and spending time outdoors. Monica resides in Wellsboro with her partner, Benjamin Balin, M.D., and their Boxer puppy, Buster Brown.

Bobbi McCauley is a Wealth Management Associate with five years of experience in financial services. She supports the Wealth Management Team in brokerage and trust services. Bobbi has completed SIE and Life Insurance training, strengthening her ability to support clients and advisors with professionalism, accuracy, and care.

Bobbi is passionate about helping clients feel confident that they are working with someone who is trustworthy, dependable, and committed to acting in their best interest. She takes pride in working hard behind the scenes to help ensure client needs are handled thoughtfully and efficiently. The most rewarding part of her work is knowing she plays a meaningful role in supporting clients, their financial goals, and the advisors who serve them.

Outside of work, Bobbi enjoys motorcycle rides with her husband and adult sons, gardening, relaxing beside the pool, and weekend getaways.

Jay has worked in the financial service industry since 2009 and has been with C&N since 2016.  At C&N, his primary responsibilities include investment research and due diligence, trading and portfolio rebalancing, and investment performance evaluation.

Jay has earned the Chartered Financial Analyst (CFA) designation and also holds the Certificate in Investment Performance (CIPM) designation.  He graduated from Saint Francis University with bachelor’s degrees in accounting and finance. 

Edward has spent more than a decade with C&N and currently serves as one of our Senior Advisors. He is passionate about helping clients achieve their financial goals while preserving their legacies for future generations. “My goal is to take the weight of financial matters off my clients’ shoulders, allowing them to focus on what matters most to them.” Edward accomplishes this by taking a holistic approach to each client's financial situation, developing comprehensive strategies that integrate retirement income planning, wealth preservation, and legacy planning. His focus is on ensuring that every aspect of a client’s financial life is aligned and positioned for long-term success.

Edward earned a Bachelor of Science degree from Mansfield University and an MBA from Southern New Hampshire University. He also holds the Certified Trust and Fiduciary Advisor (CTFA) designation. Outside of work, Edward and his wife, Jody, enjoy spending time with their two daughters and son.

Karmen Persing is an Investment Services Operations Specialist based in Wellsboro. She has been with C&N for more than 15 years, previously serving as an Investment Services Administrative Associate.

In her current role, Karmen provides administrative support for brokerage and insurance sales. She brings nearly 30 years of experience in the financial services industry. Throughout her career, she has held a variety of positions, including Sales Representative, Sales Trainer, and Billing Supervisor.

Outside of work, Karmen enjoys researching her family genealogy and spending time with her husband, Scott, and their dogs.

Philip is the Chief Investment Strategist and oversees the investment unit of the Trust and Financial Management Group. His responsibilities include the oversight of investment strategies, investment analysis and manager selections. Philip joined C&N in 2000. He was previously responsible for the delivery of C&N’s financial services, including the sales and service of Trust, Brokerage and Insurance services. He also retains administration duties for client accounts.

Prior to joining C&N, Philip’s experience at C&N, Prough Insurance Agency and Parente Randolph provided him with valuable skills and insight to lead his team to success at C&N. Philip’s driving philosophy is that “providing a deep, knowledgeable team gives our clients assurance that we have a sustainable support network to meet their changing financial needs. But it’s our personal service that demonstrates our clients will always be our primary focus.”

Philip is an honors graduate from Lycoming College, receiving his Bachelor's of Arts degree in Accounting. He received his Master of Business Administration from Colorado State University in 2012 and has held the designation of Certified Financial Planner® practitioner since 2003. He also holds various securities and insurance licenses.

In his 27-year career with C&N, James has worn many hats, starting as a management trainee back in 1999 and rising to his new post as Director of Wealth Management Operations. In this role, he’s responsible for all operational support for Wealth Management, coordinating with IT, and assisting with compliance oversight and retirement plan customer service. 

James has a B.S. in Business Administration from Mansfield University, and is an Accredited Investment Fiduciary and Accredited Trust Operations Professional. When not at work, he enjoys being outdoors, golfs, gardens and spends time with his six children, four grandchildren and his wife, Kelly.

Brian J. Tevlin is a Wealth Advisor and Program Manager at C&N Investment Services. He has worked for C&N for 13 years, and has two decades of experience in the financial services industry.

A Liberty University graduate where he obtained his B.S. in Business Administration: Economics, Brian is a CERTIFIED FINANCIAL PLANNER™, holding his Series 6, 7, 24, 26, 51 and 63 securities registrations, currently with LPL Financial. Also a licensed Life and Health Insurance agent in both PA and NY, Brian specializes in overall financial planning and investment management at C&N Investment Services, building lasting relationships along the way.

Originally from Linden, NJ, Brian lives in Wellsboro today with his wife and daughter. When he’s not in the office putting clients on the fast track to financial prosperity, he loves spending time with his family, brewing his own beer, and staying active playing sports.

Keeping involved in the community is not only important to Brian and the team at C&N Investment Services on a professional level, but on a personal one as well. Brian serves as Director for Lycoming County United Way and Ossea Masonic Charitable Association. He is also Treasurer for Ossea Lodge No. 317 F. & A.M., as well as Ancient Accepted Scottish Rite, Valley of Coudersport.

Holly Young serves as Senior Compliance Officer for C&N Wealth Management, where she leads the department's compliance program and partners with executive leadership to ensure the organization operates in accordance with regulatory requirements, fiduciary standards, and internal policies. With nearly a decade of experience in wealth management operations, trust administration, executive support, and compliance, Holly plays an integral role in strengthening operational processes, mitigating risk, and supporting the delivery of exceptional client service.

Known for her collaborative approach and attention to detail, Holly works closely with advisors and leadership to develop efficient processes that enhance the client experience while maintaining the highest standards of regulatory compliance and operational excellence. She is passionate about building efficient, well-governed processes that allow advisors to focus on helping clients achieve their financial goals.

Holly earned her Bachelor of Science in Business Administration with a concentration in Finance from Mansfield University and her Master of Business Administration from Southern New Hampshire University. She has held the Certified Fiduciary Investment Risk Specialist (CFIRS®) designation since 2022.

A Wellsboro resident, Holly is an active member of St. Peter's Catholic Church and serves as Secretary of the Wellsboro Alumni Association Board of Directors. She enjoys supporting initiatives that strengthen her local community and is committed to helping C&N deliver trusted, client-focused service.

Jeffrey began his career in the United States Navy as an Information Systems Technician, where he developed strong technical and problem-solving skills. Following his military service, he studied Computer Science before transitioning into the banking industry, where he has more than eight years of experience in financial services and banking operations.

Jeffrey is committed to providing reliable, client-focused service and enjoys helping clients navigate their financial decisions with confidence. His attention to detail, professionalism, and dedication to delivering exceptional support are at the core of his approach.

Jeffrey resides in Westfield, Pennsylvania, and is the proud father of his seven-year-old daughter. Outside of work, he enjoys golfing—primarily for the enjoyment, not necessarily the scorecard—and spending quality time with his family.

Kristin Rowland joined Citizens & Northern's Wealth Management Department over a year ago and has enjoyed being part of the team. Outside the office, she is a busy mom of two and spends much of her time supporting her children's activities and adventures. In her free time, Kristin enjoys reading a good book, especially on a rainy day, and cherishes quality time with her family, whether that means relaxing by the pool or spending an evening around the fire together.