Meet Our Investment Team

We are pleased to introduce you to the members of our team!



Steve Richardson - Carlisle/Gettysburg Area


Steve has been helping people attain their financial goals for over a decade. He feels that he and his clients are a financial team, pulling together for a common goal.

He's been married for over 15 years, has two children, is an avid sports fan, and lives locally on the West Shore.



Craig Nissley - Carlisle/Elizabethtown Area


Craig has been in the investment industry since 1993, and experienced in retirement planning.

His philosophy is to always treat others the same way you would want to be treated.

He is a life long resident of Lancaster County. He's married with two sons, and is a sports and golf enthusiast.

Frank Dziennik - York Area


Frank's main focus is to help members maximize their investment efforts in ways that are suitable and comfortable for them.

Prior to working in the investment services industry, Frank ran his own law firm in Baltimore, Maryland. He is a graduate of the University of Baltimore where he received his Juris Doctorate.


While born and raised in Baltimore, Maryland, Frank has been a resident of Pennsylvania since 2002. He has been married for 17 years and is the proud father of a daughter.

Mike Ross - Colonial Park/Hershey/Lebanon Area

717-697-1161 x6650

Mike has been in the investment industry since 1994. He is an knowledgeable Investment Representative experienced in market and risk analysis, portfolio design and implementation.

He believes it is important to be persistent, easily adapt to change and continue to learn.

Mike is originally from the Lehigh Valley and currently resides in Palmyra with his wife, Kelli and their daughters.

Andy Steele - Mechanicsburg Area


Andy's business philosophy is to always work harder than anyone else and always do the right thing.

He has been in the insurance and securities industry since 1991 and with Members 1st Federal Credit union since 1995. He holds his Series 6, 7 and 63 Registrations and Life & Health Insurance license.

A life-long resident of Mechanicsburg with a large extended family in the area. He is married with one son.


Mike graduated from Messiah College with a degree in Behavioral Science. He taught and coached at Barrington College, Messiah College, and Malone College. In 2003, Mike moved home to Central Pennsylvania and began a successful career as an Investment Consultant. His focus on helping people meet their needs through education and understanding falls very much in line with his approach as a coach. Mike continues to build upon his desire to help people through aiding them in achieving their financial dreams for the future.

Jeff Howe - Duncannon/Harrisburg/Linglestown Area


Jeff has been in the financial services industry since 1978 helping people set up investments, and manage their financial future.

Jeff is experienced in helping provide retirement income for those who are currently retired, and helping people prepare for retirement at any age.

Financial needs and objectives change as we go through life. Plans made today, need to be reviewed often to make sure they continue to meet your needs.

You can't hit your financial target, by keeping your eyes closed to market changes. Jeff can help you make the right choices now, and help keep you on target in the years to come.



Kim has been in the financial industry for over a decade.

She became Financial Advisor after graduating with a Bachelor's degree in Business Administration from Elizabethtown College.

She is focused on using wide array of investments to organize a financial plan that would help fit your wants and needs. She also feels it is important to adjust those financial plans as life changes. Therefore it is her philosophy that meeting with your financial advisor should not be an occasional occurrence; it should be a continuous occurrence.

On her time off you may find her kayaking on the local creeks or traveling with her husband and their rescue dogs.


Andrew Mackay


Andrew's passion is to help families and businesses achieve their financial goals while staying true to their personal value system. He believes in continuously developing his professional skills to offer the best service and solutions. Encouraging communication, Andrew ensures that clients' financial plans always align with their current life situation.

Andrew graduated from Penn State University with a B.S. in Neuropsychology. Andrew was born in South Africa and moved to Hershey with his parents and two brothers in the early 90's. He has since moved to Marietta, where he lives with his wife Hannah, their daughter Delaney, and their son Finley. They enjoy the outdoors and spending time with family and friends. They strive to have a positive impact on the lives and communities surrounding them.

Michael FedashMichael Fedash


Michael has over a decade of experience in corporate finance work in a broad spectrum of capacities. He focuses his practice around the premise that he is a resource for his client's financial goals. His philosophy is to listen to and understand each individual clients investment needs, both long and short term, and to continually execute THEIR desired plan as goals, needs, and markets evolve.

Graduate of Lehigh University with a B.S. in Finance • M.B.A. from Penn State University.

Michael and his family (wife Karen and kids Mickey and Reagan) reside in Hershey. They enjoy many outdoor activities as well as miscellaneous sports and leisure. They are active in the community and their church.