Esther F Miller Smith

Richard Welch is a financial advisor with Academy Wealth Advisers, LLC, holding Series 63 and Series 65 credentials and 15 years of industry experience. He has been with Academy Wealth Advisers since 2011. The firm provides customized discretionary portfolio management and investment consulting to individuals, high-net-worth clients, trusts and estates, corporations, businesses, and institutional clients. Its investment approach is based on fundamental analysis and asset allocation, with a long-term orientation and internal due diligence to select equities, fixed income, and cash holdings.

Edward Gilmartin is a financial advisor with Northeast Advisory Group, LLC in Scranton, PA, holding Series 63 and Series 65 licenses with 34 years of industry experience. Prior to joining Northeast Advisory Group in 2019, he worked at Peoples Security Bank and LPL Financial. He is also involved with Northeast Benefit Administrators, LLC as a benefit consultant and insurance agent. Northeast Advisory Group provides investment advice to individuals, including high-net-worth clients, and retirement plans, offering asset management, consulting, participant education, and referrals to third-party money managers. The firm emphasizes mutual funds and uses the Fi360 Fiduciary Score for due diligence in its investment selection.

Susan Sariti is a financial advisor with Northeast Advisory Group, LLC in Scranton, PA, holding Series 63 and Series 65 licenses and 15 years of industry experience. Her prior roles include positions at LPL Financial and Peoples Security Bank & Trust Company. She is also involved as an insurance agent through Northeast Benefit Administrators, LLC. Northeast Advisory Group provides investment advice to individuals, including high-net-worth clients, and retirement plans, offering asset management, retirement plan services, consulting, and educational programs. The firm utilizes mutual funds and third-party managers, applying the Fi360 Fiduciary Score for due diligence and managing a mix of discretionary and non-discretionary assets.

Sandra Galdieri Kosiba is a financial advisor with Capital Wealth Investments in Scranton, PA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Her prior work includes roles at Bernardo Wealth Planning, Mutual Securities, and Wells Fargo Advisors. She also works as an independent insurance agent, recommending health and life accident products to clients. Capital Wealth Investments provides discretionary portfolio management, financial planning, and pension consulting to individuals, trusts, estates, retirement plans, and other business entities. The firm employs customized asset allocation, continuous monitoring, and may use sub-advisors to implement alternative investment strategies, including private equity and hedge funds.

Tracy Zullo is a financial advisor with Capital Wealth Investments in Scranton, PA, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. She has worked at multiple firms including Wells Fargo Advisors and Mutual Securities, Inc., and currently serves as Managing Director of Zullo Investment Group, a registered investment advisor. Outside of investment advisory, she operates as an independent insurance agent affiliated with several insurance companies. Capital Wealth Investments provides discretionary portfolio management, financial planning, and pension consulting to individuals, trusts, estates, retirement plans, and business entities. The firm employs a two-advisor structure managing a high client load and utilizes multiple sub-advisors and strategies including borrowing and derivatives within separately managed accounts.

Jonathan Kline is a financial advisor at Lakewood Financial Group, LLC with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Northeast Financial Group, Inc. and JP Morgan Securities Inc. He has been with Lakewood Financial Group since 2026. Lakewood Financial Group manages approximately $90.6 million for individuals and families, offering integrated investment management and financial planning services. The firm uses a blend of strategic core and tactical overlays in its investment approach, emphasizing tax-sensitive implementation and access to public and private investment vehicles.