Stanley Minka Jr. is a ChFC® with 43 years of experience in the financial services industry. He is currently affiliated with Mass Mutual Investors Services and MassMutual Life Insurance Company, where he has worked since 2016 and 2017 respectively. Outside of his advisory role, he is involved in the National Association of Insurance & Financial Advisors where he coordinates educational programming for members. 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 ongoing financial planning and asset management services using firm-approved analytical tools and offers event-driven planning programs including divorce and estate-settlement planning.

Robert Protesto IV is a CFP® professional with 18 years of experience in the financial services industry. He is currently with OSAIC and previously worked at American Portfolios Advisors, Inc., American Portfolios Financial Services, PSS Benefits, LLC, and BCG Securities. Protesto holds Series 63 and Series 65 licenses and operates an insurance agency focusing on fixed insurance products. OSAIC serves a wide range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm utilizes various asset-allocation tools and supports both discretionary and non-discretionary portfolio management, with access to multiple third-party money managers and platforms.

Donna Goldhorn is a financial advisor with Merrill in Bala Cynwyd, PA, holding Series 63 and Series 66 designations and bringing 46 years of industry experience. She has been with Merrill since 2006. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for various client types including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Gillen is a financial advisor at J.P. Morgan Securities with six years of industry experience. His prior roles include positions at Goldman Sachs, Bank of America/Merrill Lynch, and Mondrian Investment Partners. He is also a partner in MG2 Brands LLC, a family-owned business unrelated to his advisory work. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Zachary Laidlaw is a financial advisor at Fidelity with seven years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at TD Ameritrade. His background also includes a period devoted to traveling. Strategic Advisers LLC, a Fidelity Investments company where he works, provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs, and it serves multiple registered investment companies and intermediary platforms.

Ryan Depaul is a CFP® certificant with 16 years of industry experience. He has worked at UBS Financial Services Inc. since 2023 and was previously with Sanford C. Bernstein & Co., LLC for 11 years. Ryan is based in Philadelphia, PA, and holds a Series 66 license. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research to support tailored client solutions.

Kyle Lucas is a financial advisor at Equitable Advisors with 14 years of industry experience. He has held roles at Equitable Advisors since 2014 and previously worked with AXA Advisors, LLC. Outside of his advisory work, he is a partner in Lucas Holdings LLC and is involved in servicing health and group benefit clients through Brewer Associates. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by offering financial planning, retirement plan consulting, and a variety of asset management programs. The firm utilizes a combination of proprietary and third-party advisory models and provides ERISA fiduciary services to qualified plans.

Kathleen Pruess is a financial advisor with Morgan Stanley in Philadelphia, PA, holding a Series 66 designation and bringing 19 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2015. Outside of her advisory role, she operates a travel agency as a Bucket List Tour Guide. Morgan Stanley Wealth Management is a registered investment adviser and broker-dealer offering a broad range of advisory programs to individual and institutional clients. The firm provides tailored financial planning services, utilizing firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Matthew Mcdermott III is a financial advisor with Raymond James & Associates in Greenville, DE. He holds Series 63 and Series 65 licenses and has 31 years of industry experience, including 29 years with Raymond James & Associates. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional fiduciary services.

Christopher Scoffone is a financial advisor with Mass Mutual Investors Services holding a Series 66 designation and four years of industry experience. His prior work includes roles at Creative Financial Group and MeFluence LLC, as well as involvement with Applebrook Golf Club. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, and charitable organizations. The firm provides collaborative, annual financial planning engagements using firm-approved tools and also offers specialized planning programs, including recent additions such as Divorce Planning.

Michaela Kowatch is a Series 66-licensed financial advisor with six years of industry experience. She currently works at LPL Financial and previously held roles at Morgan Stanley Smith Barney LLC, Raymond James & Associates, and Wells Fargo Advisors Financial Network, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charities through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting supported by proprietary and third-party research.

William Touey is a financial advisor at LPL Financial with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with LPL Financial since 2013. Touey is also president of Touey and Company LLC CPAs, a firm providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and various managed investment programs supported by in-house and third-party research.

Gian Mantakounis is a financial advisor with Equitable Advisors, holding a Series 66 designation and four years of industry experience. His prior roles include positions at Envestnet and BNY Mellon, as well as five years working at Hills Quality Seafood. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, charitable organizations, and institutional clients. The firm utilizes a network of Investment Adviser Representatives and offers various program models and third-party advisory solutions.

Christian Reinecker is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been serving the wealth management needs of individuals, families, and business leaders since 1994. His practice focuses on developing personalized strategic solutions tailored to clients' long-term financial goals. Key areas of expertise include individual stock portfolio management, risk management, asset allocation strategies, retirement planning, stock option analysis, hedging and cash flow strategies related to concentrated equity positions, liability management, life insurance, wealth preservation, and estate transfer strategies. Christian holds a Bachelor of Science degree from Loyola College in Baltimore, Maryland. He has earned several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from Washington, DC, he began his career in the DC area before relocating to West Chester, Pennsylvania, where he resides with his wife and four children. Beyond his professional work, Christian is actively involved in community and parish activities at St. Simon and Jude, where he volunteers and coaches. He participates in alumnae-supported events and various charitable organizations. His personal interests include golf, skiing, running and hiking, playing guitar, travel, and outdoor activities.

Matthew Evans is a financial professional at Cetera with seven years of industry experience. He holds a Series 66 designation and has worked at Cetera, Securian Financial Services Inc, and Diamond State Financial Group among other firms. Outside of his advisory role, he was involved with Big League Juices® from 2016 to 2019. Cetera Investment Advisers LLC serves a broad client base including individual investors, employer-sponsored retirement plans, and institutional accounts. The firm offers a range of portfolio management and advisory services through a nationwide network of over 10,000 advisors, utilizing both affiliated and third-party managers across multiple program structures.

Jacklyn Naselli is a financial advisor at MassMutual Investors Services with four years of industry experience. She holds a Series 66 designation and has worked at MassMutual Life Insurance Company since 2020. Outside of her advisory work, she is a property and casualty insurance representative involved in quoting personal and business insurance policies. MassMutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements supported by firm-approved analytical tools, with optional implementation of recommendations through separate brokerage or insurance arrangements.

Geoffrey Thomas is a financial advisor at Merrill with 42 years of industry experience. He holds Series 63 and Series 65 designations and has been with Merrill since 1983, also working at Bank of America since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers both model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Allen Rosenberg is a financial advisor with Wells Fargo Clearing in Wimauma, FL, holding Series 63 and Series 65 licenses and possessing 47 years of industry experience. His prior experience includes roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Outside of his advisory work, he serves as co-trustee for his father’s trust. Wells Fargo Clearing provides retirement plan consulting primarily to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. Its advisory process is IPS-driven and incorporates a range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Cody Rosier is a financial advisor with J.P. Morgan Securities in Newark, Delaware. He holds Series 63 and Series 65 licenses and has one year of industry experience. His prior roles include positions at Tristate Financial Advisors and Piazza JGLR Corp, as well as work outside the financial sector at Fred Beans Family of Dealerships and McCaffrey's Food Market. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Gary Ulrich Jr. is a CFP®-certified financial advisor with 10 years of industry experience. He has worked at LPL Financial since 2022 and previously spent seven years at Lincoln Financial Securities Corporation. Ulrich also engages in investment-related activities through Financial House Advisors, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management options supported by in-house and third-party research.