Welcome to Culbertson Financial Services


SmartVestor Pros (SVPs) are financial consultants who follow Dave Ramsey’s teaching and have been vetted by Dave and his team. They have been carefully selected through an interview process to be a part of the Dave Ramsey SmartVestor program.  They affirm that eliminating debt and investing for the long-term is the ideal way to build wealth and prepare for retirement. They recommend that clients have a reasonable emergency fund before starting to invest. SVPs commit to prompt and responsive client service and work with all clients regardless of account size, preferences, or background. They do not offer proprietary products and believe that long term financial success significantly depends on the client being educated and understanding their personal finances, investments, and overall financial plan.


There are many financial advisors in our country, but who can you trust to give you sound advice? Dave Ramsey felt it was important to create a list of those that he trusts. SmartVestor Pros are chosen by Dave and his team because they have the heart of a teacher and provide excellent customer service.


Daryl Schafer



Securities, Financial Planning and Advisory Services offered through LPL Financial a registered investment advisor. 

The LPL Financial registered representative associated with this site may only discuss and/or transact securities business with residents of the following states:          Daryl Schafer - PA

The Code of Conduct.  

Everyone deserves access to solid, professional investing guidance.  Daryl has earned his position as a Smartvestor Pro because of his experience in the industry and his drive to put clients first.

A refreshing twist on financial planning. 

Daryl does not have the attitude of a salesman, but the heart of a teacher.  You can feel comfortable talking to him as someone you can trust.  You'll work together to create a plan to help you pursue your goals.

We care about your future. 

More than just a "financial planner" - your investments will fit your life, and you'll understand what you're investing in and why.  You'll be encouraged to stick with your long-term goals!


Daryl Schafer is proud to be associated with the Smartvestor Pro™ program.  What does that mean for you?


Dave Ramsey's SmartVestor Pro is a directory of investment professionals.  Neither Dave Ramsey nor SmartVestor Pro are affiliates of Culbertson Financial Services or LPL Financial.

Guidance for Your Financial Well-Being

105 W. Main Street, Boalsburg, PA  16827                    Toll Free 800-292-3001

Culbertson Financial Services

105 West Main Street

Boalsburg, PA  16827

(814) 808-6029

Fax  (814) 808-6054

Toll Free  800-292-3001

Member FINRA /