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Judy L. Loy, ChFC®, RICP®

President, Owner and Investment Advisor

Judy Loy is President and CEO of Nestlerode & Loy Investment Advisors in State College, a fee-based financial services company that helps businesses, non-profits and individuals invest for the future. A graduate of Penn State University, Judy has continued to stay involved in the State College community. She was formerly on the board of directors for the Chamber of Business and Industry Centre County and for Habitat for Humanity of Greater Centre County. As a 2005 graduate of Leadership Centre County, Judy continues to enjoy her involvement with this organization. She currently serves on several boards including the Centre Volunteers in Medicine and Mutual Benefit Group.

Judy has received several noted honours. Pennsylvania Business Central selected her in 2014 and 2016 as one of the area's Top 100 People, and in 2011 she was selected as one of the 25 Women Making a Difference. In 2012, she received the Ron Haring Award through Leadership Centre County. In 2014, Judy received designation as a Retirement Income Certified Professional® (RICP®) from The American College of Financial Services. She pursued this new designation to stay current with changing financial strategies relating to asset management and income generation.

Judy is a frequent contributor to the Centre County Gazette and She enjoys attending hockey and music events, as well as spending time with her husband Steve and their Labrador.


  • BA in Math Education, The Pennsylvania State University

  • Graduate, Securities Industry Institute, Wharton School, University of Pennsylvania, March 1999

  • Chartered Financial Consultant (ChFC®), April 2011

  • Life & Annuities License, Pennsylvania Insurance

  • Retirement Income Certified Professional® (RICP®), December 2014


  • CEO, President, and owner of Nestlerode & Loy, Inc. (2008 to current)

  • 1996, named as Chief Financial Officer and Treasurer of the corporation

  • 1992, began employment at Nestlerode & Co., Inc. (now Nestlerode & Loy, Inc.)

Community Involvement

  •  Former Board Member, Centre Volunteers in Medicine

  • Chair, Centre County Hospital Authority

  • Board Member, Mutual Benefit Group

  • Board Member, University Park Plaza Corporation

  • Former Board of Directors, Leadership Centre County

  • Member, TIPs Club of State College (Past President)

  • Former Board Member, Chamber of Business and Industry Centre County

  • Former Board Member, Habitat for Humanity of Greater Centre County

  • Member of the Campbell Society of Centre Foundation

  • Graduate of Leadership Centre County 2005


  • Awarded one of the Top 100 People of 2014 in Central PA by Pennsylvania Business Central

  • 2014, ATHENAPowerLink Program Recipient

  • Columnist for Centre County Gazette and

  • Speaker: Judy is available to speak on financial topics for area organizations

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