Sarah Coolbaugh is a financial advisor with Primerica Advisors in Reading, PA, holding Series 65 and Series 63 licenses and seven years of industry experience. She has worked with Primerica Advisors since 2019 and Primerica Financial Services since 2016. Prior to her financial services career, she was involved in massage therapy for five years. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm employs largely model-driven investment strategies managed by unaffiliated asset managers and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Shelley Fraker is a financial advisor at Wells Fargo Clearing with nine years of industry experience. She holds the Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2014 to 2023 before joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Carmen Locascio is a financial advisor with Mass Mutual Investors Services, holding a Series 63 license and having 32 years of industry experience. He previously worked at Metlife Securities Inc. for 23 years before joining Mass Mutual Investors Services in 2017. Locascio also maintains a role as an insurance agent specializing in life and health insurance. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning and asset management services using firm-approved tools and offers event-driven planning programs along with educational seminars.

Karen Prudencio is a financial advisor at Wells Fargo Clearing with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing Services since 2018, having also worked at Wells Fargo Bank since 2011. Outside of her advisory work, she co-owns Pocono Latin Fest, a community event in Tobyhanna, Pennsylvania. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans. The firm offers both discretionary and non-discretionary services, utilizing an IPS-driven approach grounded in modern portfolio theory and includes a range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Martin Kovach is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 36 years of industry experience. He has been with Wells Fargo Clearing for a total of 11 years across two periods. Kovach also serves as an executor and holds power of attorney roles for family members. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions backed by research and analytics.

Patrick Mullaney is a financial advisor with Primerica Advisors in Macungie, PA, holding Series 63 and Series 65 licenses and having 24 years of industry experience. He has worked with Blue Mountain Financial Group since 2020 and has been affiliated with PFS Investments, Inc. and Primerica Financial Services since 2001. In addition to his advisory role, he engages in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, providing model-driven strategies and a limited selection of separately managed accounts primarily for individual and high-net-worth clients. The firm curates third-party asset managers and employs a tiered wrap-fee structure, focusing on retail rather than institutional portfolio management.

Kasey Dreste is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and six years of industry experience. Prior to joining Wells Fargo in 2018, Dreste worked at M&T Bank from 2016 to 2018. Outside of advisory work, Dreste also serves as a notary public in Allentown, PA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics to support its investment decisions.

James Slaska is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 32 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Richard Silberg is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 65 designations and 44 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he acts as a power of attorney for family members, managing their investment-related matters. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach grounded in diversification and modern portfolio theory and offers a range of brokerage and advisory solutions.

Beata Kulesza is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo entities since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Scott Smith is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked with Primerica Advisors since 2016. Outside of advising, Smith has longstanding involvement in the sanitation business, including a past vice president role at Gene & George Smith Sanitation. Primerica Advisors sponsors a wrap-fee asset management program primarily serving individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable entities. The firm operates at scale with thousands of advisors and uses model-driven investment strategies managed by third parties, supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Jonathan Soden is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his advisory work, he coaches local triathletes who compete in Ironman 70.3 and full Ironman events through Endurance Multisport in Emmaus, Pennsylvania. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services utilizing Wells Fargo research and tools, with offerings that include specialized areas such as business-owner transition planning and special-needs analysis.

Mary Zwarych is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Ameriprise in Allentown, PA. She has been with Ameriprise and its affiliated entities since 2005. Ameriprise provides a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, offering written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized retirement-income consulting team.

Charles Mackenzie is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 54 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Nicole Geiger is a financial advisor with LPL Financial in Allentown, PA. She holds a Series 66 designation and has three years of industry experience. Prior to joining LPL Financial, she worked for Truist Bank for seven years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and institutional platforms.

Michael Matejcek is a financial advisor with Cetera Wealth Services, LLC, holding Series 63 and Series 65 credentials and over 31 years of industry experience. His career includes roles at Avantax Insurance Agency, Lincoln Financial Group, and North American Company. He is also president of Financial Strategies & Designs, Inc., which provides tax preparation and accounting services alongside fixed insurance solutions. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, and institutional accounts. The firm offers diverse investment management options and operates a multi-manager platform with discretionary and non-discretionary services.

Michael Tunke is a financial advisor at Cetera with 23 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Pembroke Wealth, Voya Financial Advisors, Equitable Advisors, and Axa Advisors. Outside of advising, Tunke serves as a board member and golf committee chair for Brookside Country Club of Allentown and is involved in tax planning and life settlement businesses. Cetera Investment Advisers LLC operates a multi-manager platform serving a diverse client base including individuals, retirement plans, and institutional accounts, offering portfolio management, financial planning, and access to third-party managers. The firm manages over $256 billion in assets through a nationwide network of more than 10,000 advisors.

Carolyn Verba is a Series 66-licensed financial advisor with Ameriprise in Allentown, PA, and has one year of industry experience. She previously worked at Thornabbey Risk Management and Osaic Wealth Inc. from 2012 to 2025. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations through a centralized retirement-income consulting team.

Aissatou Fall is a financial advisor with Wells Fargo Clearing in Allentown, PA, holding Series 63 and Series 66 designations and 14 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has over 22 years with Wells Fargo Bank NA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Robbie Hicks is a financial advisor with Primerica Advisors in Allentown, PA, holding Series 63 and Series 65 licenses and three years of industry experience. His prior work includes roles at PFS Investments Inc., LVPG, Primerica Financial Services, and SLPG. Outside of advisory services, he is involved in the sale of home security, automation, and loan products through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm utilizes model-delivery strategies managed by unaffiliated asset managers and supports trade execution and custody through established partners.