Meet Our Team

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.

Contact the HNB Financial Group:

Trust Division

Charles Curtin headshot
Charlie Curtin, JD, LLM, CTFA

VP, Trust Officer
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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 an active member of the Pennsylvania Bankers Association’s Trust and Estate Committee, the Wayne County Bar Association and WealthCounsel, a national organization of estate planning professionals. He also is a member of the Board of Directors for Lackawanna ProBono, Inc., which assists low income clients with legal matters.

Ted Radu, CFP® ChFC®
Assistant Trust Officer

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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 and received the Chartered Financial Consultant® (“ChFC®”) designation the following year. 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 joined the Honesdale Area Jaycees upon his return to develop and enhance his community through their numerous projects and events. He is also a member of the Financial Planning Association. An avid weightlifter, Ted is a former Pennsylvania state record holder. He resides in Lakeville with his wife Britt and their daughter, Mara.

HNB Financial Services

William Carmody headshot
 William Carmody
Financial Consultant
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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. 


Christopher Novoa headshot

Christopher Novoa
Associate Financial Consultant
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Having been raised in Honesdale for the better part of his life, Chris takes pride in the fact that he lives, works and gives back to the same town and greater NEPA area today. He began working for HNB Financial Services in July 2014 as assistant to Financial Consultant Bill Carmody.

As a graduate of Bloomsburg University with a dual major in Mathematics and Secondary Education, Chris decided it would be wise to broaden his understanding of business and finance by pursuing an MBA. He completed this course of study at the University of Scranton from 2015-2017 with specializations in Finance and Accounting. During that span he was a member of PRISM (Portfolio of Responsible Investments under Student Management), a club that managed the University’s endowment fund portfolio. He was also selected as an inductee to Beta Gamma Sigma, the International Business Honor Society, which is an honor extended to graduate students who attend AACSB-accredited schools and are among the top 20% of their class.

Chris has been a member of the Honesdale Area Jaycees since 2015 and serves on the board of the Wayne Highlands Little League as Secretary. 

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HNB Financial Services Registered Address and Phone: 724 Main Street, Honesdale, PA 18431; 570-253-3355
Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), 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. Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

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