The Means Duff Team Meet The Means Duff Team Robert M. Means, CLU Senior Partner rmeans@financialguide.com 814-808-8006 Adam B. Duff, ChFC, CLU, CFS, CLTC, ChSNC Senior Partner adamduff@financialguide.com 814-808-8042 Kate M. Penkala Executive Assistant kpenkala@financialguide.com 814-808-8038