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 firms including Securities America Advisors, Inc., Investacorp Advisory Services, and his own firm, Kaufman Advisory Services Inc. Outside of his advisory role, Kaufman is involved in insurance sales, including life insurance and annuities. OSAIC serves a diverse client base that includes individual and high-net-worth investors, pension plans, corporations, and nonprofits. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to construct diversified portfolios.

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.

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 holds a Series 63 designation and previously worked for American Portfolios Financial Services, Inc. for 20 years before joining Osaic in 2024. Outside of his advisory role, he sells long-term care and life insurance and prepares individual tax returns for clients. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides a wide range of brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage discretionary and non-discretionary portfolios with stocks, bonds, options, mutual funds, ETFs, and alternative investments.

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.

Brian Trainer is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at American Portfolios Advisors, BB&T Securities, Cetera, and Nationwide Securities. Trainer is also involved in selling fixed annuities, fixed life insurance, and long-term care insurance plans. 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 financial planning and portfolio management services, utilizing model portfolios, third-party subadvisors, and technology tools to support its network of over 22,800 advisors.

James Geosits is a financial advisor with Merrill in Wyomissing, PA, holding Series 63 and Series 65 credentials and over 43 years of industry experience. He has been affiliated with Merrill since 1981 and also works with Bank of America, N.A. since 2011. Outside of advising, he owns a construction LLC focused on townhouse development. 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, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutional investors.

Jessica Leach is a financial advisor at LPL Financial with 11 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at firms including CUSO Financial Services, Santander Securities, and Santander Bank. 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 including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Nicholas Pine is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Franklin & Marshall College, AllianceBernstein, and Capital Educators. 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. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Justin Schaeffer is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked at LPL Financial since 2021 and previously was associated with Treeview Partners LLC and Waddell & Reed Inc. He is also connected to The Schaeffer Group, a DBA related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Angie Klein is a financial advisor with LPL Financial and holds Series 63 and Series 65 designations. She has 14 years of industry experience, including prior roles at M&T Securities and M&T Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of advisors.

Kenneth Del Goleto is a financial advisor at Ameriprise with 39 years of industry experience. He holds the Series 63 designation and has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific asset criteria. The firm provides advisory, brokerage, and insurance solutions with a focus on retirement income strategies that incorporate research, modeling, and tax-efficiency analysis.

Melanie Hnatishion is a Wealth Management Advisor at Merrill Lynch Wealth Management, where she serves individuals, families, and corporate retirement plans. In her role, she works closely with clients and their other professional advisors to develop coordinated financial strategies that adapt as goals and circumstances evolve. Melanie has been in the financial services industry since 2012. She holds several professional designations, including Certified Investment Management Analyst (CIMA), Certified Divorce Financial Analyst (CDFA), Chartered Retirement Planning Counselor (CRPC), CERTIFIED FINANCIAL PLANNER (CFP), Certified Plan Fiduciary Advisor (CPFA), Certified 401(k) Professional (C(k)P), and she is a designated Bank of America Retirement Benefits Consultant. She received her bachelor's degree from Thomas Jefferson University in 1995. Based in Reading, Pennsylvania, Melanie lives with her son. Her client focus areas include college education planning, corporate retirement plan services, divorce transition planning, employee financial health, personal retirement planning, portfolio management, women and wealth, and retirement income. She has personal interests in golfing, ice hockey, racquetball, and tennis.

Aaron Tidd is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial, he worked at Diamond Credit Union and The North Face. 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 financial planning and investment management services, utilizing both proprietary research and third-party strategies across various investment options.

Barry Weller is a financial advisor at OSAIC with 29 years of industry experience and holds Series 63 and Series 65 licenses. His prior roles include positions at Lincoln Financial Advisors and Questar Asset Management, among others. Outside of advisory work, he owns and operates Barry Weller & Associates Inc., a tax preparation and accounting services firm. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage, advisory services, and access to third-party money managers. The firm employs various asset-allocation and portfolio management tools and supports multiple advisory platforms.

Edward Sweeney is a financial advisor with LPL Financial in Wyomissing, PA, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. His prior roles include positions at Treeview Partners LLC, Waddell & Reed, Inc., Morgan Stanley, and various insurance carriers. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and a broad range of non-advisory financial services.

Andrea Wilson is a financial advisor with LPL Financial in Reading, PA, holding Series 63 and Series 65 registrations and bringing 32 years of industry experience. She has worked at Linsco/Private Ledger Corp. since 2007 and operates a private business under the name Cornerstone Financial Strategies, LLC. She also spends a small portion of her time involved in non-variable insurance activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. Its offerings include financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by advisor-facing tools and a broad range of financial services.