Erica Hower is a financial advisor with OSAIC in Wyomissing, PA, holding Series 63 and Series 65 designations and 14 years of industry experience. She has been with Royal Alliance since 2014. Outside of her advisory role, Erica operates Butterworth Financial Services, providing life insurance and fixed rate annuities, and also serves as a notary. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services with a focus on asset allocation, risk management, and diversified portfolios that include stocks, bonds, options, and alternative investments.

Kevin Cavanna is a financial advisor with LPL Financial, holding the CFP® and Series 66 designations and bringing 21 years of industry experience. He previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining LPL Financial in 2017. He operates under multiple DBAs for his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of advisors. The firm offers a range of advisory programs, financial planning, and brokerage services that include discretionary and non-discretionary management, model portfolios, and support from both internal and third-party research.

David Boyer is a financial advisor with Wells Fargo Clearing in Wyomissing, PA, holding Series 63 and Series 65 licenses and bringing 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 IPS-driven approach incorporates modern portfolio theory and includes a wider range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Timothy Mogford is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 designation and previously worked at First Allied Advisory Services and First Allied Securities. Prior to his advisory career, he spent ten years with the Schuylkill Valley School District. Outside of his advisory role, Mogford is employed by Stone Financial LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and retirement services through a multi-manager platform, supporting various investment strategies and program structures.

Gerald Mccready is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has worked at multiple firms including Fulton Financial Advisors, Specific Solutions, and Raymond James Financial Services Advisors Inc. He is also the owner of GJM Wealth Management LLC, a business entity established for tax and investment purposes. 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, with discretionary and non-discretionary management options supported by research and model portfolios.

Stacy Mensch is a financial advisor with Morgan Stanley in Wyomissing, PA, holding a Series 66 designation and eight years of industry experience. She has been with Morgan Stanley since 2006. Outside of her advisory role, she operates a small business making and selling handcrafted jewelry on Etsy. Morgan Stanley Wealth Management provides advisory services and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of investment programs supported by structured planning tools.

Kevin Miller is a CFP® with 12 years of industry experience, currently affiliated with LPL Financial in Wyomissing, PA. He has been with LPL Financial since 2014. Outside of his advisory role, Miller is also a notary. 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 financial planning and advisory programs incorporating discretionary and non-discretionary management, model portfolios, and research support.

Philip Boyer is a financial advisor with Morgan Stanley in Wyomissing, PA, holding a Series 66 designation and 26 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and at Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he owns and manages a rental property in Baltimore, MD. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, delivering tailored financial planning supported by structured discovery and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers various investment and planning services, including corporate financial planning agreements.

Anthony Kidron is a financial advisor at Equitable Advisors with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing Services and The Vanguard Group. Outside of his advisory role, Kidron has an entrepreneurial venture under the DBA Surgeons Capital Management. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutions, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, working extensively through program sponsors and third-party managers to provide advisory and brokerage solutions.

Christopher Mueller is a CFP® professional with 13 years of industry experience, currently advising clients at LPL Financial since 2020. His prior roles include positions at Commonwealth Financial Network and Spring Ridge Financial Group, as well as an earlier career at PricewaterhouseCoopers LLP. Mueller is also involved in a tax preparation service under CM Tax Consultants LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, 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 supported by model portfolios and research from both internal and third-party sources.

Jennifer Guthier is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery and firm-approved planning tools.

James Geosits II is a Series 66 licensed advisor with Merrill, where he has worked since 2019, bringing seven years of industry experience. Before joining Merrill, he spent three years at Bayshore Ford. Outside of financial advising, he is involved in entrepreneurial ventures including ownership in a soap manufacturing business and roles in consulting and buying and selling used vehicles. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies tailored to individuals, high-net-worth clients, and institutional investors.

Darryl Benfield is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2012 and also maintains a long-term affiliation with Wyndham Advisors, LLC. Outside of his advisory work, he is licensed as a non-variable insurance agent offering life, long-term care, and disability insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios, including both discretionary and non-discretionary management options.

Anastasios Plevrakis is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 1999 following his graduation from Pennsylvania State University and has since focused his practice on portfolio construction and retirement planning. His approach involves developing personalized financial strategies tailored to each client's goals, emphasizing capital accumulation, retirement planning, and income distribution. Plevrakis holds the Chartered Retirement Planning Counselor™ (CRPC) designation earned in 2008, as well as the Personal Investment Advisor (PIA) credential. He collaborates with his clients' CPAs and attorneys to address income tax minimization and estate and inheritance tax considerations as part of a comprehensive retirement planning process. He maintains a commitment to providing ongoing counsel and service to enhance client relationships throughout retirement. Born and raised in Berks County, Pennsylvania, Plevrakis currently resides in Wernersville, PA, with his wife Allison and daughter Ariana. In addition to his professional work, he dedicates time to volunteering in the community. His personal interests include spending time with family, playing tennis, and traveling.

Ethan Miller is a financial advisor with LPL Financial based in Wyomissing, PA. He holds a Series 66 designation and has two years of industry experience, including positions at Skyline Wealth Advisors and LPL Financial. Prior to entering the financial industry, he worked at Lowes Hardware and studied at West Chester University of Pennsylvania. 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 programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Thomas Nein is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 35 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. He also serves as power of attorney for his mother. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Austin Andrews is a financial advisor with Raymond James Financial in Reading, PA, holding Series 63 and Series 65 licenses and two years of industry experience. Prior to joining Raymond James, he worked at Fulton Bank and Fulton Financial Advisors. Outside of his advisory role, Andrews works as an independent contractor for delivery services including Amazon Flex and InstaCart. Raymond James Financial Services Advisors, Inc. serves a diverse client base ranging from individual investors to institutional and municipal entities. The firm provides financial planning and non-discretionary investment consulting, emphasizing tailored financial plans and advisory support rather than discretionary management.

Jonathan Gumpper is a financial advisor with Equitable Advisors, holding a Series 66 designation and eight years of industry experience. He previously worked at AXA Advisors, Salad Works, and DoubleTree By Hilton. In addition to his advisory role, he serves as administrator or executor of several family trusts and estates. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, and institutional investors, offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates through a combination of advisory and brokerage solutions with a significant portion of assets managed on a non-discretionary basis.

Alanna Campbell is a Series 66-licensed financial advisor with LPL Financial, based in Wyomissing, PA, with one year of industry experience. Prior to joining LPL Financial, she held roles at Diamond Credit Union, Ciocca Ford of Quakertown, Dana Corporation, and Our Place Restaurant. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

Michael Hyde is a CFP® with 27 years of industry experience, currently affiliated with LPL Financial since 2025. He previously worked at Investment Advisors Asset Management, LLC for 13 years and Royal Alliance Associates for 19 years. Hyde also operates Hyde Tax Service, a tax preparation business he has managed for over two decades. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by LPL Research and third-party subadvisors.