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Our Team

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Deanna Gephart, CFP®, RICP®

570-505-3887
570-321-5830
Deanna.gephart@lpl.com

Deanna Gephart (Dee) began her career in the financial services industry in 1983 and spent 9 years in Baltimore, MD before returning to her home state of Pennsylvania. With a total of 33 years working with both major wire houses (Alex. Brown & Sons, Kidder Peabody, Merrill Lynch) as well as a hybrid firm which then revealed the many benefits of the independent route. She and Joe formed Gephart Moyer Financial Advisors to offer objective advice, products and services to clients.

Dee is very passionate about the many benefits of financial planning. “Much like a map helps you reach your destination on a road trip; a financial plan helps you reach your goals during life.” She believes that a well-constructed financial plan is an important tool used to monitor client’s efforts as she works collaboratively on their unique goals. That plan becomes the framework through which many important financial decisions can be viewed allowing for a more informed decision on a myriad of topics.

Dee obtained the CERTIFIED FINANCIAL PLANNER™ certification in 2006. The CFP® certification is a voluntary certification; no federal or state law or regulation requires financial planners to hold CFP® certification. It is recognized in the United States and a number of other countries for its (1) high standard of professional education; (2) stringent code of conduct and standards of practice; and (3) ethical requirements that govern professional engagements with clients. Currently, more than 71,000 individuals have obtained CFP® certification in the United States.

To attain the right to use the CFP® marks, an individual currently must satisfactorily fulfill the following requirements:

Education

Complete an advanced college-level course of study addressing the financial planning subject areas that CFP Board’s studies have determined as necessary for the competent and professional delivery of financial planning services, and attain a Bachelor’s Degree from a regionally accredited United States college or university (or its equivalent from a foreign university). CFP Board’s financial planning subject areas include insurance planning and risk management, employee benefits planning, investment planning, income tax planning, retirement planning, and estate planning;

Examination

Pass the comprehensive CFP® Certification Examination. The examination, administered in 10 hours over a two-day period, includes case studies and client scenarios designed to test one’s ability to correctly diagnose financial planning issues and apply one’s knowledge of financial planning to real world circumstances;

Experience

Complete at least three years of full-time financial planning-related experience (or the equivalent, measured as 2,000 hours per year);

Ethics

Agree to be bound by CFP Board’s Standards of Professional Conduct, a set of documents outlining the ethical and practice standards for CFP® professionals.

Individuals who become certified must complete the following ongoing education and ethics requirements to maintain the right to continue to use the CFP® marks:

Continuing Education

Complete 30 hours of continuing education hours every two years, including two hours on the Code of Ethics and other parts of the Standards of Professional Conduct, to maintain competence and keep up with developments in the financial planning field; and

CFP® professionals who fail to comply with the above standards and requirements may be subject to CFP Board’s enforcement process, which could result in suspension or permanent revocation of their CFP® certification.

Dee completed the American College of Financial Services® Retirement Income Certified Professional® courses in December 2016. Retirement income planning places the focus on transitioning from asset accumulation to creating a sustainable livelihood for clients during retirement.   Dee feels this coursework will greatly benefit her clients as they plan for and enjoy retirement.  

Dee is a registered representative of LPL Financial, an SEC registered and FINRA member broker-dealer. Clients may choose to engage Dee in her individual capacity as a registered representative of LPL Financial, to implement investment recommendations on a fee basis.

Dee, in her individual capacity, is a licensed insurance agent, and may recommend the purchase of certain insurance-related products on a commission basis. Clients can engage Ms. Gephart to purchase insurance products on a commission basis.

Dee and her husband, Tony, are avid golfers and reside in Montoursville, PA.

Dee’s Mission Statement: Planning for your future…together

Joe Moyer, RICP®

howard.moyer@lpl.com

Joe was born and raised locally in Jersey Shore, Pennsylvania. He attended college at Lycoming College where he met his wife, Lauri, and was married in 2007. He started his career in financial services with a full-time internship in 2003 and passed his Series 7 and Series 66 examinations while attending college full-time. He and Dee started Gephart Moyer Financial Advisors in 2014 to bring professional management and financial planning to their clients.

As of January 1, 2017, he earned the Retirement Income Certified Professional® designation from The American College of Financial Services, Bryn Mawr, PA, the nation’s largest non-profit educational institution devoted to financial services.

The RICP® educational curricula helps advisors master retirement income planning. Using the most current techniques, he can help provide expert advice on a broad range of retirement topics including: portfolio management techniques, mitigation of plan risks, income needs and objectives, estate issues, Social Security, health insurance, housing decisions, portfolio management techniques, and a wealth of other practical information relevant to helping his clients.

His drive to complete the RICP® rigorous three-course credential was his passion for helping clients plan for and through the retirement process. Often, irrevocable decisions are made during retirement. If a disadvantageous decision is made, the ramifications could be costly for decades. Likewise, an advantageous decision can be enjoyed for decades. He enjoys helping clients build their financial plan to help make the best choices today.

In the community, he is involved with local non-profits including serving on the board for the Roads to Freedom, Center for Independent Living of North Central PA, and the Valley View Nursing Center. He believes strongly in helping others and is happy to serve his community in this way.

Joe is a registered representative of LPL Financial, an SEC registered and FINRA member broker-dealer. Clients may choose to engage Joe in his individual capacity as a registered representative of LPL Financial, to implement investment recommendations on a fee basis.

He and his wife Lauri spend time with their children hiking, camping, fishing and hunting. As technologies continue to increase the conveniences of the modern world, he believes it is important to remember and instill the values of the outdoors to his children.

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The Falls at Water Tower Square
1000 Commerce Park Drive, Suite 412A
Williamsport, PA
17701 United States

  •  Tel: 570-505-3887
  •  Fax: 570-321-5830
  •  deanna.gephart@lpl.com
  •  Howard.moyer@lpl.com

Securities offered through LPL Financial, member FINRA/SIPC. Investment advice offered through Private Advisor Group, a registered investment advisor.

Private Advisor Group and Gephart Moyer Financial Advisors are separate entities from LPL Financial. Please remember to contact Private Advisor Group, LLC, in writing, if there are any changes in your personal/financial situation or investment objectives for the purpose of reviewing/evaluating/revising our previous recommendations and/or services, or if you want to impose or modify any reasonable restrictions to our investment advisory services, or if you wish to direct that Private Advisor Group, LLC effect any specific transactions for your account. Please be advised that there can be no assurance that any email request will be reviewed and/or acted upon on the day it is received-please be guided accordingly. A copy of our current written disclosure statement discussing our advisory services and fees continues to remain available for your review upon request.

The LPL Financial representative associated with this website may discuss and/or transact securities business only with residents of the following states: AZ, CA, CT, KY, ME, NJ, NY, PA, SC, VA

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