Christopher Whitcombe is a Senior Financial Advisor with Merrill Lynch Wealth Management. He specializes in areas including college education planning, personal retirement planning, and retirement income. Christopher applies a disciplined, analytical approach to financial advising, emphasizing personalized strategies tailored to each client's unique situation. Christopher holds a Bachelor's and a Master's degree from Lehigh University. He has earned professional designations including the CERTIFIED FINANCIAL PLANNER™ (CFP®), Chartered Retirement Planning Counselor (CRPC™), and Personal Investment Advisor (PIA). His approach involves thoroughly understanding clients' financial circumstances and goals, analyzing data, and identifying opportunities to improve financial projections and tax strategies. Outside of his professional work, Christopher enjoys music, reading, and spending time with his family. He is committed to educating clients to help them become better stewards of their financial resources through comprehensive, individualized financial planning.

Susan Gross is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. She has been with LPL Financial since 2007. Outside of her advisory work, Gross serves as an NRA instructor. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions, providing a range of financial planning and investment management solutions through a large network of advisors.

Valerie Delp is a financial advisor at LPL Enterprise with 14 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Prudential Insurance Company of America and Pruco Securities, LLC. Outside of her advisory role, she is involved in direct sales and coaching for a fitness product company. LPL Enterprise provides investment advisory and brokerage services to a wide client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various non-securities products and services through affiliated entities.

Jodi Bukowski is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and eight years of industry experience. Her prior work includes roles at SagePoint Financial, Eagle Strategies, Grandview Financial Partners, NYLIFE Securities, and New York Life Insurance. She is involved in community organizations, serving as fundraising chair for the Wyomissing Swim Team Corp and as a board member for the Wyomissing Area Education Foundation. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach focuses on model-based asset allocation and portfolio optimization, utilizing discretionary strategies, third-party managers, and proprietary models.

Dustin Adam is a Series 66 licensed financial advisor with Edward Jones in Blandon, PA, where he has worked since 2013, totaling 13 years of industry experience. Outside of his advisory role, he serves as president of Lenhartsville Fish & Game in Lenhartsville, PA. Edward Jones is a full-service wealth management firm serving a broad range of individual and institutional clients with over $1 trillion in assets under management and a large nationwide network of advisors and branch offices.

Sean Osborn is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 credentials and has worked previously at W&S Brokerage Services, Western Southern Life, and Temple University. Outside of his advisory role, he serves as a board observer for the nonprofit Canine Partners for Life and is a member of the Chester County Estate Planning Council. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including financial planning, portfolio management, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization and is notable for its scale, affiliate network, and recent consolidation activities.

Elizabeth Lubrano is a financial advisor with Equitable Advisors, holding a Series 66 designation and 14 years of industry experience. She has been with Equitable Advisors since 2012 and previously worked with Axa Advisors. Outside of advisory work, she is involved in horse breeding through Horizon Hill Hunter Breeding, LLC, and serves as a judge for the United States Equestrian Federation. Equitable Advisors serves a broad client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs. The firm uses a variety of advisory models and third-party asset managers to deliver tailored investment solutions and offers ERISA fiduciary services for qualified plans.

Kent Davis is a financial advisor with Morgan Stanley in Wyomissing, PA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1993. Outside of finance, he is a snowboard instructor at Bear Creek Mountain Resort. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets and employing structured planning tools and proprietary investment models.

Matthew Nein is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2024, he worked at Grey New York and Janney Montgomery Scott. Outside of his advisory role, he serves as a basketball referee for the Berks County Basketball Officials Association. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Todd Graham is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and over 33 years of industry experience. He has been with LPL Financial since 2019 and previously worked at H.Beck, Inc. for eight years. Outside of his advisory role, he is involved with Christian Concern, a nonprofit organization he has been part of since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Joseph Miller is a financial advisor with LPL Financial based in Wyomissing, PA. He holds Series 63 and Series 65 licenses and has 42 years of industry experience, including 36 years with LPL Financial LLC (formerly Linsco/Private Ledger Corp.). Outside of his advisory role, he has involvement in family investment activities and manages a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various investment models and third-party managers, supported by advanced operational tools.

Nico Echevarria is a Benefits & Planning Consultant in Executive Services at Fidelity Investments. In this role, he assists clients in working towards their lifetime financial goals through benefits review, equity compensation, wealth planning, and guidance. He has been with Fidelity Investments since 2020, serving in various capacities including Planning Consultant, Relationship Manager, and Financial Representative. Prior to joining Fidelity, Nico worked as an Investment Advisor Representative at Brandywine Financial Group from 2018 to 2020, and as a Hardship Determination Administrator at Vanguard from 2015 to 2018. He holds a California insurance license. Outside of his professional career, Nico enjoys family activities, football, movies, music, and parenthood.

Richard Kaufman is a financial advisor at OSAIC with 43 years of industry experience. He holds a Series 63 designation and has worked at several firms, including Securities America Advisors, Inc. and Investacorp, Inc. Kaufman is also involved in insurance sales and financial planning through his own businesses. OSAIC Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services across diverse programs such as comprehensive financial planning, advisor-managed portfolios, and retirement plan consulting. The firm emphasizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers access to alternative investments through third-party platforms.

Sharon Wisler is a financial advisor with LPL Financial in Wyomissing, PA, holding a Series 66 designation and 16 years of industry experience. She previously worked at Waddell & Reed, Inc. and various insurance carriers for W & R Insurance Agencies from 2010 to 2021. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services through a large network of investment adviser representatives, offering customizable investment strategies and a variety of financial planning and asset management solutions.

David Kim is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. In this role, he works with investment and risk analysis, focusing on institutional investments, retirement income planning strategies, and estate planning services. David helps clients clarify their goals and develop investment management strategies that align with their vision. He specializes in areas including divorce transition planning, family wealth management strategies, institutional consulting, and personal retirement planning, among others. David began his financial services career in 2005 with Merrill Lynch Wealth Management. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP), Certified 401(k) Professional (C(k)P®), CERTIFIED PLAN FIDUCIARY ADVISOR® (CPFA®), and is a qualified Portfolio Manager. He is among a select group of Merrill advisors designated as a Bank of America Merrill Retirement Benefits Consultant. David graduated from Penn State University. Outside of his professional work, David is actively involved in his community as a board member and coach for Mifflin Area Youth Baseball and supports the United Way. He is an active member of his church and enjoys studying the culinary arts, baseball, basketball, biking, chess, music, photography, and spending time with his family. David and his wife, Sarah, live in Mohnton, Pennsylvania, with their three children.

Liam Di Fonzo is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors LLC and Renault Winery. Di Fonzo is also involved with Bala Financial Group Inc. as a registered representative and insurance agent, engaging in sales and marketing of securities, insurance, and annuity products. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and a variety of customizable investment programs.

Bryan Stephen is a financial advisor at LPL Financial with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2011, following a brief tenure at Morgan Stanley. Outside of his advisory role, he is the owner of Kiwi Yachts, LLC, a home-based business not related to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advanced advisor tools.

John Schroll is a financial advisor at OSAIC with 45 years of industry experience. He previously worked at American Portfolios Financial Services, Inc. for 20 years. Outside of advising, he is involved in selling long-term care and life insurance and prepares tax returns for clients. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach uses model-based asset allocation, portfolio optimization, and a variety of program options including discretionary and advisor-managed strategies.

Michael Frederick is a Certified Financial Planner® (CFP®) and Chartered Financial Consultant (ChFC®) with 27 years of industry experience. He is currently with LPL Financial and has previously worked at firms including J Alden Associates, Wells Fargo Clearing, and Merrill. He serves as treasurer of the Upper Frederick Fire Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning, asset management, and institutional platforms.

Jacqueline Waterworth is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. Her prior roles include positions at LPL Financial LLC and Lincoln Investment. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm delivers tailored non-discretionary planning and investment consulting using various analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.