David Hummel is a financial advisor with Mass Mutual Investors Services who holds the ChFC® designation and a Series 63 license, with 40 years of industry experience. He previously worked at Metlife Securities Inc. for over three decades before joining Mass Mutual. In addition to his advisory role, he is involved in individual life, property/casualty, health, group life, and group health insurance sales. Mass Mutual 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 offers asset management, wrap and money-manager programs, along with educational seminars.

Jeremy Schutz is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at JPMorgan Chase Bank, JPMorgan Securities LLC, and JPMorgan Services Inc. Schutz is also associated with Fidelity 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 offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive resources and technology.

Peter Suhosky II is a financial advisor at Morgan Stanley with 23 years of industry experience. He holds the Series 63 and Series 66 credentials and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee.

Eric Gasper is a CFP® with 20 years of industry experience, currently serving as a financial advisor at Ameriprise in Moosic, PA. He has been with Ameriprise and its affiliated entities since 2006. Outside of his advisory role, he is involved as a distributor of nutritional supplements through Advocare. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations. The firm also offers a broad range of advisory, brokerage, and insurance solutions through its large institutional platform.

Ashley Hules is a financial advisor with LPL Financial in Dunmore, PA, holding Series 63 and Series 66 licenses and 11 years of industry experience. She has worked with NBT Bank, N.A. since 2018 and previously with The Prudential Insurance Company of America and Pruco Securities LLC from 2016 to 2018. Outside of advisory services, she is involved with the NBT Insurance Agency. 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 investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Michael Karwaski is a financial advisor at Charles Schwab & Co., Inc. in Dickson City, PA, holding a Series 66 designation with seven years of industry experience. His prior roles include positions at Prudential, PNC Bank, and Scottrade, as well as experience with Keystone College. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment management solutions supported by multi-asset model portfolios and a centralized operational structure.

Michael Kolojejchick Jr. is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at LPL Financial since 2016. His prior experience includes roles at Peoples Security Bank and Trust, Vicus Capital, Inc., and Walnut Street Advisers Inc. He is also affiliated with Ash Brokerage for non-variable insurance services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services, including model portfolios and institutional platforms, supported by technology tools for operational and research purposes.

Robert Bucci is a financial advisor at LPL Financial with 28 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including Triad Advisors, Inc., Cincinnati Analysts, Inc., and Guardian Life. Bucci also engages in a non-variable insurance business in Pittston, PA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

David Patchcoski is a financial advisor with Mass Mutual Investors Services in Peckville, PA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Mass Mutual Investors Services since 2017 and has also held roles at MetLife Securities Inc. and Metropolitan Life Insurance Company since 2004. Outside of advisory work, he has been involved in insurance brokerage activities related to individual and group life, health, and fixed annuities. Mass Mutual Investors Services 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, asset management, and educational seminars, using technology-driven analysis tools to deliver collaborative, goal-oriented recommendations.

James Chiaro is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and having 21 years of industry experience. He previously worked at Cco Investment Services Corp for ten years before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment programs and platforms, utilizing models, third-party subadvisors, and customized strategies supported by advanced operational tools.

Thomas Hauber is a financial advisor with Ameriprise who holds Series 63 and Series 65 designations and has 33 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Outside of his advisory role, Hauber serves as President of the Endowment Board for St Mark's Episcopal Church in Moscow, PA. Ameriprise provides retirement-income planning services focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

William Philipps is a Series 66-licensed financial advisor with Ameriprise in Shohola, PA, and has 12 years of industry experience. He has been with Ameriprise since 2013, including six years at the current firm. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendation reports. The firm also offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Brian Zabriski is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 25 years of industry experience. He has worked at LPL Financial since 2021 and has also been associated with M&T Bank since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

James Schuster is a financial advisor with Morgan Stanley in Scranton, PA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and methodologies, including Monte Carlo simulations, to support its financial planning services.

Andrew Wilshinsky is a financial advisor with Morgan Stanley in Scranton, PA, holding a Series 63 credential and 34 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Wilshinsky serves as a co-trustee on multiple trusts, including charitable and personal trusts, and is trustee of Sigrid's Animal Trust, which is dedicated to animal-related purposes. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, focusing on tailored financial planning supported by firm-approved tools and investment research. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

James Teeple Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses, and has 10 years of industry experience. His previous roles include positions at OSAIC and SAGEPOINT FINANCIAL, Inc. He is also involved in a non-variable insurance business related to his advisory activities. 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 wide range of advisory and brokerage services, utilizing a variety of investment approaches and operational tools while managing over $819 billion in discretionary assets.

Michele Ednock is a financial advisor with Mass Mutual Investors Services who holds Series 63 and Series 66 licenses and has nine years of industry experience. She previously worked at NYLIFE Securities LLC and The Advocacy Alliance. Michele is based in Moosic, PA. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars.

Christopher Hauber is a CFP® professional with four years of experience, currently serving as a financial advisor at Ameriprise. His prior experience includes roles at The Vanguard Group and Ameriprise Financial. Outside of his advisory work, he owns a retail business called Mr. Mojo and operates an e-commerce store specializing in infant apparel and accessories. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides written recommendation reports and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Carmen Ferranti is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 65 licenses and 21 years of industry experience. She has worked with MetLife Securities Inc. and Metropolitan Life Insurance Company since 2004, and has been with Mass Mutual Investors Services since 2017. Outside of advisory work, she is involved in individual and group life and health insurance sales. Mass Mutual Investors Services, a subsidiary of MassMutual, offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved tools to develop written recommendations through annual, collaborative client engagements.

Ron Bednarz is a financial advisor with LPL Financial and holds Series 63 and Series 65 credentials. He has 26 years of industry experience, including twelve years managing Bednarz Financial Group and over two decades at Cadaretgrant. Bednarz operates out of Dunmore, PA. 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 advisory and brokerage services, utilizing various portfolio models and third-party subadvisors, supported by advanced operational tools.