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 the Trust Sales & Services Manager, 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.

Katie holds a B.S. in Finance from King’s College as well as Security Registration Series 7 – General Securities Representative and Series 66 – Uniform Combined State Law, allowing her to practice as an Investment Advisory Representative.  She also holds Life, Accident, and Health Insurance Licenses. 

Katie’s goal as a financial advisor is to help her clients feel confident about their finances, and to help them identify and reach their financial goals with purposeful planning.

Having grown up in Wyalusing, PA and now residing in Sayre, PA with her two children, Katie has been a lifelong resident of Bradford County. When not working with clients on their finances, Katie enjoys spending time with her two children and staying active by playing multiple sports and hiking.

Nicholas holds a B.S. in Finance & Marketing from the University at Albany, where he graduated with honors. He also holds Security Registration Series 6, 7, and 63 as well as Life, Accident, and Health Insurance Licenses.

He prides himself on working with and helping his clients achieve the goals in life that involve both planning and finances.

He lives in Endicott, NY where he was born and raised. When he isn’t working, he enjoys working out at the gym and traveling.