Zachary Capaldo is a financial advisor with Empower Advisory Group in Collegeville, PA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior experience includes roles at Gwfs Equities, Inc., Massmutual, Lincoln Benefits Group, Kestra Financial, and NFP Retirement. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering services integrated with Empower’s recordkeeping and administrative platforms. Their approach focuses on long-term portfolio returns and client savings rates through point-in-time financial plans and optional managed account solutions.

Conor Staples is a financial advisor at Janney Montgomery Scott with a Series 66 credential and three years of industry experience. He is also a board member and secretary of the Spring-Ford Chamber of Commerce in Limerick, PA. Janney Montgomery Scott is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $110 billion in client assets. The firm serves individuals, families, trusts, corporate and retirement plan sponsors, and charitable and municipal clients, offering brokerage services, financial planning, and advisory programs.

Scott Rakowski is a financial advisor at Centaurus Financial, Inc. with five years of industry experience. He holds a Series 66 designation and has been the owner and president of Rakowski & Company, PC, a CPA firm specializing in tax preparation and accounting, since 1999. Centaurus Financial, Inc. provides advisory and brokerage services to a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm employs a blend of fundamental and technical analysis and offers both discretionary and non-discretionary portfolio management through platforms such as CLASSIC Plus and FlexUMA.

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 credentials and 42 years of industry experience. She has been with LPL Financial since 2007. Outside of her advisory role, she works as an NRA instructor. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL Research and third-party providers.

Jodi Bukowski is a financial advisor at Osaic with seven years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at SagePoint Financial, Eagle Strategies (NY Life), and New York Life Insurance Company. Outside of her advisory work, she serves as Fundraising Chair for the Wyomissing Swim Team and is a board member of the Wyomissing Area Education Foundation. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with portfolio management tools and access to third-party money managers, supporting both discretionary and non-discretionary account management.

Dallas Smoker is a Series 66-credentialed financial advisor at Merrill with six years of industry experience. He has worked at Merrill since 2019 and previously held roles at Lancaster Mold Inc. and Eby's Store of Honey Brook. 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 offers model-based and discretionary strategies for a range of clients including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations.

Sean Osborn is a financial advisor at OSAIC with eight years of industry experience. He has previously worked at W&S Brokerage Services and Western Southern Life, and held roles at Temple University. Outside of his advisory work, he serves as a board observer for Canine Partners for Life, a nonprofit organization. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs a variety of asset-allocation tools and supports discretionary and non-discretionary account management across multiple investment types.

Elizabeth Lubrano is a financial advisor at Equitable Advisors with 13 years of industry experience. She holds the Series 66 designation and has been with Equitable Advisors since 2012, previously associated with Axa Advisors. Outside of her advisory role, she is involved with the United States Equestrian Federation as a judge and owns a horse breeding business, Horizon Hill Hunter Breeding, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored through a detailed client intake process.

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.

Joseph Miller is a financial advisor with LPL Financial in Wyomissing, PA, holding Series 63 and Series 65 credentials and bringing 42 years of industry experience. He has been with LPL Financial, formerly Linsco/Private Ledger Corp., since 1990. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a broad range of financial planning and advisory services, including discretionary and non-discretionary portfolio management supported by proprietary research and third-party subadvisors.

Mark Freilich is a financial advisor with LPL Financial in Collegeville, PA, holding Series 63 and Series 65 registrations and 28 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with investment options including discretionary and non-discretionary management, model portfolios, and direct indexing.

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 previously worked at Securities America Advisors, Inc., Securities America, Inc., and Investacorp Advisory Services. Kaufman also owns and operates Kaufman Advisory Services, Inc., which provides fee-based financial planning and tax preparation, and is an independent insurance agent selling life insurance and annuities. OSAIC Wealth, Inc. serves a diverse clientele including individual, high-net-worth, institutional, and corporate investors through a vast network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, employing asset-allocation tools and access to third-party money managers to construct portfolios across a range of investment types.

Sharon Wisler is a financial advisor at LPL Financial with 15 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2021. Prior to that, she spent 11 years with various insurance carriers and Waddell & Reed, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

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 previously worked at Equitable Advisors LLC and Renault Winery. Outside of his advisory role, he is involved with Bala Financial Group Inc. as a registered representative and insurance agent, focusing on sales and marketing of securities, fixed annuities, and health insurance products. OSAIC serves a broad range of retail and institutional clients, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Bryan Stephen is a financial advisor with LPL Financial in Wyomissing, PA. He holds Series 63 and Series 65 licenses and has 20 years of industry experience, including 15 years with LPL Financial. Outside of his advisory role, he is the owner of Kiwi Yachts, LLC, a home-based business unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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.