Stephen Musser is a financial advisor at Cetera with 15 years of industry experience and a Series 66 credential. He has worked at Cetera and its affiliates since 2025 and previously spent 14 years at Concourse Financial Group Securities Inc. Outside of his advisory role, Musser is the owner and CPA of Covenant CPA LLC, serves on the boards of a nonprofit preschool and a local police support group, and is involved in a food business. Cetera Investment Advisers LLC is an SEC-registered firm that provides a range of investment advisory services through a large network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers diverse portfolio management options, including model portfolios, third-party managers, and customized strategies across various program structures and custodians.

Amy Martin is a financial advisor at Raymond James Financial with 15 years of industry experience. She holds Series 66 and Series 63 designations. Prior to joining Raymond James Financial in 2023, she worked at Fulton Bank and Raymond James Financial Services, Inc. since 2014. In addition to her advisory role, she serves as a Registered Client Services Associate at Fulton Financial Advisors. Raymond James Financial Services Advisors provides financial planning, investment consulting, and advisory services to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers customized advisory programs including a SIMPLE IRA Employer Advisory & Consulting Services program for small businesses and maintains affiliations supporting municipal and public finance activities.

Alison Bower is a financial advisor with Morgan Stanley in Wyomissing, PA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She has been with Morgan Stanley since 2009. Outside of her advisory role, she is a partner in Bee Silky Soap LLC, a retail and online soap business. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers services that incorporate structured planning tools and scenario modeling.

Rebekah Minnich is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been serving clients since 2014. With a career in the financial services industry that began in 2004, Rebekah focuses on delivering personalized financial strategies tailored to each client's unique needs and objectives. Her expertise includes family wealth management strategies, personal retirement planning, portfolio management services, and addressing the financial needs of women. Rebekah holds a Bachelor's Degree from Kutztown University and the Professional Investment Advisor (PIA) designation. She is dedicated to providing a complete client experience that supports individuals in achieving their financial goals. Outside of her professional work, Rebekah enjoys music, reading, traveling, spending time with her family, and watching movies.

Linda Capellupo is a financial advisor with Wells Fargo Clearing, holding a Series 63 license and 20 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s advisory approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Sarah Coolbaugh is a financial advisor at Primerica Advisors with Series 65 and Series 63 licenses and six years of industry experience. She has been with Primerica Advisors since 2019 and previously worked at Primerica Financial Services beginning in 2016. She also has experience in massage therapy from 2014 to 2019. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, delivering advisory services through a large network of advisors using model-driven investment strategies managed by third parties.

William Byrne is a financial advisor with Morgan Stanley in Wyomissing, PA, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2013 and has worked at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides comprehensive wealth management solutions through its broad retail and institutional platform.

Robert Metzger is a financial advisor with OSAIC, holding a Series 66 designation and offering 20 years of industry experience. He has a background that includes 14 years at Sagepoint Financial, Inc., and operating an independent consulting business since 1998. Metzger also owned and operated a tax consulting practice for over two decades, providing income tax preparation, payroll, and bookkeeping services. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms and third-party managers. The firm employs asset-allocation tools and risk assessments to construct diversified portfolios and supports various legacy and third-party managed-account solutions.

Jared Sadowski is a financial advisor at LPL Financial in Wyomissing, PA, holding a Series 66 designation with two years of industry experience. His prior work includes roles at Herbein & Company, Inc., Northeast Financial Group, and a four-year tenure at Saint Francis University. He is also involved with Treeview Partners, an LLC unrelated to investment activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and utilizes research from multiple sources to support diversified and alternative investment strategies.

Kevin Henley is a CFP® professional with 39 years of industry experience, currently affiliated with OSAIC since 2023. He previously worked at Sagepoint Financial, Inc. for 14 years. Outside of his advisory role, Henley volunteers as a Taekwondo instructor for children and adults. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm combines multiple advisory platforms with a range of investment services, utilizing asset-allocation tools and third-party managers to construct portfolios tailored to client risk tolerance and investment goals.

Cali Keller is a financial advisor at Merrill with a Series 66 designation and seven years of industry experience. She has worked at Merrill since 2013 and has been with Bank of America, N.A. since 2024. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm operates as part of Bank of America’s broader platform, providing access to a diverse set of financial products and services.

Joshua Hirneisen is a financial advisor at Wells Fargo Clearing with six years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously held roles at Fulton Bank, N.A. and Salt & Straw. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Shane Landis is a CFP® professional with nine years of industry experience, currently affiliated with Cetera. He has held roles at Everence Trust Company and Concourse Financial Group Securities Inc over the past several years. Landis is also involved as a financial planner with Everence Trust Company, providing insurance, investment, and financial planning services as well as charitable planning through the Everence Foundation. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management options and financial planning services through a large network of independent advisors and multiple program structures.

Ross Harter is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 credentials and five years of industry experience. His prior work includes roles at New York Life Insurance Co and NYLIFE Securities LLC, as well as teaching positions at Alvernia University, Reading Area Community College, and Reading High School. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, operating as both an SEC-registered investment adviser and broker-dealer.

Steven Mcnabb is a financial advisor at LPL Enterprise with 15 years of industry experience. He holds the CFP® and CFA® designations and has previously worked at Prudential Insurance Company of America and Pruco Securities, LLC. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios and third-party asset management, delivering investment advice primarily through investment adviser representatives using a combination of in-house research and third-party strategists.

John Good is a CFP®-certified financial advisor with 15 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors, Inc. for 10 years. He is also the owner of Blue Chip Financial LLC, which offers life insurance and annuities as risk mitigation tools. OSAIC serves a wide range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a focus on diversified portfolios constructed using sophisticated asset-allocation tools and multiple third-party solutions.

John Schlegel is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with Cambridge since 2009 and is also president and owner of Wyomissing Financial Group, an independent insurance agency. In addition, Schlegel is involved in coaching and directing water polo activities in the Pottstown area. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers a range of financial planning and investment management services through a network of independent Financial Professionals, utilizing multiple custody platforms and proprietary as well as third-party investment strategies.

Preston Walker is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He previously worked at Citizens Securities, Inc. for seven years before joining Wells Fargo Clearing in 2019. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

James Middleton is a financial advisor with Merrill in Wyomissing, PA, holding a Series 66 designation and 27 years of industry experience. He has worked at Merrill since 1998 and has been with Bank of America, N.A. since 2011. Merrill provides managed account services through the Select Portfolio Solutions program, serving a diverse client base that includes individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm offers a range of investment strategies, including model-based, discretionary, and tax-aware options, and is integrated with Bank of America’s broader corporate platform.

Severo Sales III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and possessing 33 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.