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OPEN - Mon thru Fri - 9:30am - 5:00pm, 5291 Devonshire Road, Harrisburg, PA 17112

(717) 564-6400
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Our Team

Steve Marrazzo

Stephen Marrazzo, Sr.

Investment Advisor Representative

(717) 564-6400

717-287-9939

717-564-6446

Tucker P. Nicholas

Tucker P. Nicholas

Private Wealth Advisor

717-564-6400 ext 181

223-373-0106

Christian Joseph Marrazzo

Life & Health Insurance Agent

(717) 564-6400

(717) 546-6446

Sonya Essis

Sonya Essis

Executive Assistant

(717)564-6400

(717)564-6446

Three generations at the same kitchen tables

Most people land on this page one of two ways. Someone they trust said "call PAC and ask for Steve, Tucker, or Christian," and they came to see who that is. Or they searched for help, found a dozen firms that all look the same, and wanted to know who actually picks up the phone. Fair enough. Here is who we are.

PAC Financial has been a family practice in Harrisburg since 1972. Grandfather, then son, now grandson, sitting with Central Pennsylvania families through bull markets, layoffs, retirements, and everything in between. The work covers both halves of a family's financial life: growing wealth through retirement and investment planning, and protecting it through life insurance and, where it fits, annuities for guaranteed lifetime income. Same office on Devonshire Road. Same last name on the work. When you call (717) 564-6400, you are not routed; you are answered.

The questions that usually start the conversation

Nobody calls a financial advisor because everything is settled. They call because a question got loud enough. These are the ones that bring people to our table, and if one of them is yours, notice that you already knew it before you finished the list.

  • Can I actually retire, and when?
  • What should I do with the 401(k) from my old job, or the three of them?
  • Is my family protected if something happens to me, and is the policy I bought years ago still the right one?
  • Should part of my savings become guaranteed monthly income I cannot outlive?
  • My parent is getting older and nobody is watching the whole picture. Who should be?
  • I own a business. How do I keep good people, and what is my own retirement outside the business?
  • We just moved to Pennsylvania. What did our taxes and our plan just change into?

Every one of those questions has a desk here. The investment questions come to Tucker and Steve. The insurance questions go to the family's second and third generation, Steve and Christian. The complicated ones, which is most of them, get the whole table.

Stephen A. Marrazzo, Private Wealth Advisor

Steve is the second generation of PAC Financial and has advised Central Pennsylvania families for over three decades. He holds Series 6, 7, 63, and 65 registrations and is a licensed life, health, and annuity insurance agent, which means he works both sides of the practice: retirement and investment planning, and insurance solutions compared across multiple highly rated carriers. Steve built his early practice serving Pennsylvania school employees, and educators with PSERS questions have been finding their way to his desk ever since. Reach him at (717) 564-6400 ext. 101, and verify his registration on FINRA BrokerCheck.

Tucker P. Nicholas, Private Wealth Advisor

Tucker is a Private Wealth Advisor at PAC Financial, holding Series 7 and Series 66 registrations, registered in Pennsylvania, Colorado, and Delaware. He works with families, professionals, and small business owners on retirement planning, 401(k) rollovers, and investment management, and leads the firm's work on small business SIMPLE IRA plans and Trump Accounts. If you read something useful on this website, Tucker probably wrote it. Reach him at (717) 564-6400 ext. 181, and verify his registration on FINRA BrokerCheck (CRD 8206134).

Christian Joseph Marrazzo, Licensed Life Insurance Agent

Christian is the third generation of the family practice and works the insurance side of the firm, helping Central Pennsylvania families compare term, whole, and universal life policies from multiple highly rated carriers to protect the people who depend on them. The insurance conversation is usually the one families put off longest; Christian's job is making it a plain-English conversation instead of a sales pitch. Reach the office at (717) 564-6400. Insurance services offered through PAC Financial, which is not affiliated with Osaic Wealth, Inc.

What a first meeting actually looks like

Bring two things: your most recent account statements, and your current life insurance policy if you have one. That is the whole homework. We put everything on one page, in plain English, and tell you the truth about what needs attention, including when the truth is that you are in good shape and nothing needs to change. No products on the table, no pressure, no obligation, and the meeting costs nothing. People sometimes ask about the name, so we will save you the search: PAC Financial is a family financial advisory and insurance firm, not a political action committee, and the only campaigns we run are the ones that get a family retired on time.

Call (717) 564-6400, or send an email tonight; it will be on our desk in the morning. PAC Financial, 5291 Devonshire Road, Harrisburg, PA 17112. Open Monday through Friday, 9:30 to 5:00. Serving Harrisburg, Mechanicsburg, Carlisle, Hershey, Camp Hill, Middletown, and communities across Central Pennsylvania.