The HNB Financial Group

At The HNB Financial Group, we believe in recognizing and celebrating the unique goals of each of our clients. Financial stability, financial growth and wealth management are needs that exist for all, but are also defined very differently for each of us. We love that. We're here to help you identify where you are today, where you want to go and ultimately working together to establish a path to get there.

We don't judge. We don't have service minimums. We simply offer our understanding and commitment to what means the most to you. Get to know us, as we get to know you. Meet the team that will be working closely with you to support your daily financial planning needs as well as your long-term goals and
strategies. The future is bright. We want to help you make it even brighter.

Meet Our Trust Team

Charles Curtin headshotCharlie Curtin, JD, LLM, CTFA
VP, Trust Officer
570-253-3362 x 1802
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Attorney Charles (“Charlie”) Curtin is HNB’s lead Trust Officer and is specifically charged with all duties of operation and future development of the Bank’s trust and investment management clients. He also works with clients and their professional advisors to optimize their financial, estate and tax plans.

A native of the Abingtons, Charlie is a graduate of American University in Washington D.C. He earned his Juris Doctorate from the University of Pittsburgh (2004), where he was a Dean’s Scholar and then went on to complete an advanced law degree in taxation at the University of Washington (2006). Charlie was admitted to the Oregon Bar in 2004 and the Pennsylvania and New Jersey State Bars in 2010.

He has proudly endured three different state bar examinations and lived to tell about it. In 2014, Charlie received his Certified Trust and Financial Advisor (“CTFA”) designation from the Institute of Certified Bankers. Such designation is the recognized standard of knowledge and competence for those in the trust and wealth advisory field.

Since 2004, Charlie has focused his career in business, investment, estate and tax law. He practiced at a boutique tax law firm in Portland, Oregon and then spent over two years in the Mergers and Acquisitions Department of a Big 4 accounting firm assisting on multi-billion-dollar transactions, before moving back to his native Northeast Pennsylvania in 2009.

Charlie is a member of the Board of Directors for Lackawanna ProBono, Inc., which assists low-income clients with legal matters, a trustee for Abington Community Library, and a member of the Board of Directors for the Gathering Place, Clarks Summit.

Ted Radu headshotTed Radu, CFP® ChFC®
Assistant Trust Officer

570-253-3362 x 1801
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Ted began his career with HNB in November of 2009 directly out of high school. He held various roles in the Bank before obtaining his Bachelor’s degree in Finance from West Chester University in 2013. After graduation, Ted worked for a large regional bank in Southeast Pennsylvania gaining additional banking experience. In 2015, he returned to his hometown and joined the HNB Trust Department.

Ted is currently responsible for the investment and portfolio strategy of the HNB Trust Department. His driving philosophy is providing world-class investment services combined with the local, personal touch of a community bank. As a means to further his knowledge and expertise in wealth management, Ted attained the prestigious Certified Financial Planner™ designation (“CFP®”) in 2019.

The following year, Ted received the Chartered Financial Consultant® (“ChFC®”) designation. The CFP® is the premier designation in the field of financial planning and demonstrates rigorous training and expertise in the financial planning process, risk management, investments, tax planning and management, retirement and employee benefits, and estate planning. As a CFP®, Ted understands the importance surveying a client’s entire financial picture in order to create a clear roadmap toward their financial goals.

As a longtime resident of Honesdale, Ted serves on the Board of Trustees of the Wayne County Historical Society. He is also a member of the Financial Planning Association and the Estate Planning Council of Northeastern PA. He resides in Lakeville with his wife Britt and their daughter, Mara.


Meet Our HNB Financial Services Team

William Carmody headshotWilliam Carmody
Financial Consultant
570-253-3362 x 1652
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Bill (William) Carmody prides himself on being able to relate and connect to his clients throughout our service area in NEPA. Born and raised in Honesdale, PA and a current resident of Waymart, PA, Bill epitomizes our local service philosophy. He not only builds personal relationships with clients, but applies his local knowledge and perspective to offer solutions that are a true match and the ongoing reliability and accessibility that matter most.

A Financial Consultant with HNB Financial Services for the past five years, Bill maintains Series 6, 63, 65, 7, Life and Accident & Health Insurance licenses. Upon joining HNB Financial Services, Bill brought with him 15 years of experience as an independent adviser. While working as an independent advisor, he also owned and operated a property and casualty business for eight years. His skill set also pulls on his associate's degree in management and marketing. Bill can also be found volunteering throughout the greater Honesdale area.

broker check logo HNB Financial Services Registered Address and Phone: 724 Main Street, Honesdale, PA 18431; 570-253-3355. HNB Financial Services is the marketing name of Cetera Investment Services. Securities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered. Advisory services may only be offered by Investment Adviser Representatives. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

For their Privacy Policy, Business Continuity Plan, or other important information, please visit the Cetera Investment Services website or contact the advisor(s) listed on this this website. This website is published for residents of the United States only. Registered Representatives of Cetera Investment Services may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services reference on this website may be available in every state through every advisor listed.

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