"ONE STEP AHEAD" Your Financial Community of PA, Inc. has served our clients since 1983 by always striving to stay "ONE STEP AHEAD" in products and services. We are a full service insurance and financial services firm with our focus on helping clients plan for retirement and insurance needs. There will be different factors that motivate each client. We are committed to understanding each clients individual financial needs, objectives, and goals to develop an appropriate financial plan. Securities offered through J.W. Cole Financial, Inc. (JWC) Member FINRA/SIPC www.finra.org and www.sipc.org Advisory services offered through J.W. Cole Advisors, Inc. (JWCA) J.W. Cole Financial, Inc. and YFC are unaffiliated entities James Sprecher, CFP The President and Certified Financial Planner. His role is to coordinate all existing programs and help for future needs. https://www.linkedin.com/in/james-sprecher-814b5413/ Laurie Sprecher, Registered Representative Specializes in: College Savings, 529 Plans, Life Insurance, and IRA https://www.linkedin.com/in/laurie-sprecher-0a44a313