Daryl | Financial Advisor | Culbertson Financial Services

Daryl Schafer

In August of 2025, I will celebrate my 25th year with Culbertson Financial and my 10th anniversary as a Smartvestor Pro! I am a Penn State alumnus with a Bachelor’s Degree in Agricultural Education. I worked in the dairy and livestock industries prior to serving as State Executive Secretary of the PA FFA Association and Executive Director of the PA Christmas Tree Growers Association. At age 40, I made my debut into the financial industry with Culbertson Financial Services. I have always enjoyed teaching and have used an educational approach in working with my financial clients whether working with investments, employee benefits, Medicare, or other insurance. I hold my Series 7, 63, and 66 licenses through LPL Financial as well as my Life, Accident, and Health insurance licenses through PA. I certify annually with the Centers for Medicare Services, the PA Health Insurance Exchange. (PENNIE), and numerous insurance companies in order to offer a full array of options to my clients.

I have been married to Deborah since 1997 and have a daughter, Katie, who was recently married and is a 2023 Penn State graduate with a degree in Animal Science. Katie and I enjoy outdoor activities such as hunting and fishing. 

Thirty plus years ago, I started mountain biking. During the pandemic, I got serious about biking. With many regular activities shut down, I used my new found free time to start biking local forest roads, trails, and then rail trails. In 2021, I combined that with a calorie counting program that forced me to eat healthier, I was able to lose over 60 pounds in seven months. I now enjoy bikepacking and long-distance cycling. I have ridden several 100-mile and one 125-mile days. In February 2025, I joined a fundraising ride from Pensacola FL to Baton Rouge, LA. (Support Fuller Center Bike Adventure ) I now use that experience as a reminder of how important focus and self-discipline are in everyday life including helping my clients succeed!

Community service is also important to me. I have served as a township supervisor for 24 years, a school board member for Nittany Christian School for 5 years, along with many other volunteer offices and appointments throughout the years.
 

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Professional Assistants 

My clients enjoy top-notch service provided by highly experienced assistants. Their long tenure at Culbertson Financial Services provide clients with dependability.

Joanna Renner

Administrative Assistant

Prior to joining Culbertson Financial Services in February of 2022, Joanna had experience working in the legal field where she processed the payroll for over 70 sub-contracted court reporters in the Pittsburgh, Philadelphia, and Harrisburg areas along with the proof-reading and editing of court transcripts, depositions, and other legal cases and documents.  Joanna studied Professional Writing at Mansfield University, has been awarded several writing awards, and also has a background in church office administration and management.  She enjoys reading, scrapbooking, and spending time with her friends and family, which includes her husband of 18 years, two teenage children, and three cats. 

Amy | Senior Administrative | Culbertson Financial Services

Amy Kline

Senior Administrative Assistant/Agent

Amy graduated from South Hills Business School in June 1995 and joined Culbertson Financial Services in August of 1995. She is a PA licensed agent for Life, Fixed Annuities, Accident & Health. Amy works with the Employee benefits and is largely responsible for customer service on the group plans.

Patricia | Administrative Assistant | Culbertson Financial Services

Patricia “Pat” Lutz

Administrative Assistant/Agent/Notary

Pat joined Culberson Financial Services in 2007. She is a graduate of University of Phoenix and has over 25 years experience in the insurance field. Pat is a PA licensed agent for Life, Accident & Health, Property & Allied lines, Casualty & Allied lines. Pat provides service to investment clients and group retirement plans. Pat has recently started moving into retirement by reducing her hours. We thank her for years of dependable service!