Denise Maleski is a financial advisor at Cetera with 27 years of industry experience. She holds the ChFC® and Series 63 credentials. Her career includes roles at Davis, Gregory & Kyle Inc., DGK Insurance, and RDDM Investments LLC. Outside of advisory work, she is involved in insurance sales and administration and serves as president of a financing company. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, and institutional clients. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to various program structures and third-party managers.

Brandy Ralston is a financial advisor at Morgan Stanley in Wilkes Barre, PA, holding a Series 66 designation with three years of industry experience. Prior to joining Morgan Stanley in 2022, she worked at UGI Utilities, Johnson Controls, and Bank of America. Outside of her financial advisory role, she serves as an officer involved in fundraising and administrative activities at Bear Creek Community Charter School. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Laura Kuhn is a financial advisor at Morgan Stanley with 18 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Outside of her advisory work, she is involved in caregiving for a person with a disability. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured processes and firm-approved tools.

Matthew Atiyeh is a financial advisor at Mass Mutual Investors Services with five years of industry experience. He holds the Series 66 designation and has worked at MML Investors Services and Mass Mutual Life Insurance Company since 2020. Prior to his advisory career, he was involved in the restaurant business and worked at Kutztown University. Mass Mutual Investors Services, LLC operates as a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm provides financial planning, asset management, and educational seminars, utilizing firm-approved software and collaborative annual planning processes.

Kevin Krugel is a financial advisor with Ameriprise in Wilkes Barre, PA, holding Series 63 and Series 65 designations and bringing 31 years of industry experience. He has been with Ameriprise and its affiliate since 2005. His prior business interests include ownership of several non-investment-related entities that have since been closed or dissolved. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver non-discretionary, written recommendations, supported by a centralized consulting team and emphasizing assets held in Ameriprise-managed accounts.

James Kresge is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Sagepoint Financial, OSAIC, and AIG American General Life Insurance Company. Outside of his advisory role, Kresge is a firefighter with the Eynon Sturges Hose Company #3 and founder of the AbingtonB2B Networking Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, supported by research from LPL and third-party subadvisors.

Joshua Smith is a financial advisor at LPL Enterprise with 16 years of industry experience. He holds the Series 66 designation and has previously worked at Lincoln Investment and The Prudential Insurance Company of America. Outside of his advisory role, he volunteers with the Clifton Township Office of Emergency Management, assisting in the preparation and response to local emergencies. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products supported by an integrated platform combining adviser programs with product sales.

William Stella is a Wealth Management Advisor with Merrill Lynch Wealth Management. He is a CERTIFIED FINANCIAL PLANNER® practitioner on the Koehl, Youngman, Levy and Rosenthal Wealth Management Group, a team based in Wilkes-Barre. The team focuses on building client relationships and providing support tailored to each client's unique financial goals and values. They offer services such as investment management, liquidity event strategies, trust and estate planning, customized credit and lending, and philanthropy, leveraging Merrill's resources alongside their collective experience. Will received both his Bachelor of Science Degree in Accounting and his Master of Business Administration from the University of Scranton, completing the dual degree within five years. He holds the CERTIFIED FINANCIAL PLANNER® certification and the Personal Investment Advisor designation. Will joined Merrill in 2015 and serves as a Relationship Manager and investment committee member for his group, contributing to client strategies based on factors like risk tolerance and market conditions. He is a graduate of the Leadership Wilkes-Barre Core Program and serves on the boards of the Cody Jude Barasse Memorial Foundation and the St. Joseph’s Center Foundation.

Robert Glycenfer is a Series 66-licensed financial advisor with Mass Mutual Investors Services, where he has worked since 2017. He has eight years of industry experience and has been with MassMutual Life Insurance Co since 2012. In addition to his advisory role, he provides education on student loan debt management through LoanOwl. 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 offers financial planning, asset management, wrap and money-manager programs, and educational seminars.

Joshua Murphy is a financial advisor at Cetera with three years of industry experience. He previously worked at Avantax Advisory Services and PwC and is a partner at Murphy Group CPA PLLC, a CPA firm providing tax and accounting services. He is also involved in a commercial real estate holding company managing leasing and property oversight. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating as a multi-manager platform with access to various investment strategies and custodial relationships.

Elizabeth Saba is a financial advisor at Wells Fargo Advisors with Series 66 credentials and two years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Executive Edge Inc. Outside of her advisory work, she holds a partial ownership interest in a commercial office space investment. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutions, providing a wide range of planning options supported by firm research and tools.

Jordan Ubertini is a Senior Financial Advisor at Merrill Lynch Wealth Management and the founder and leader of The Ubertini Group, a boutique wealth management group. He began his career in wealth management in 2007 and leads a specialized advisory practice serving a select group of multigenerational families, entrepreneurs, corporate executives, and founders. Jordan and his team develop personalized strategies tailored to clients' unique goals, values, and priorities, and provide investment consulting services to nonprofit organizations and institutional retirement clients through philanthropic and retirement benefits platforms offered by Merrill and Bank of America. Jordan holds the Chartered Retirement Planning Counselor™ (CRPC™) designation from the College for Financial Planning and the Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors. He earned a Bachelor of Science in Finance with a minor in International Business Studies from the University of Delaware's Alfred Lerner College of Business and Economics. Jordan was named to Forbes "Best-in-State Next Generation Wealth Advisors" list in 2019, 2023, and 2024, and has served on Merrill's Next Gen Leadership Council. He is active in his community, serving as a director for Wayne Highlands Little League and having held leadership roles with the Honesdale Rotary and Honesdale Area Jaycees. Jordan lives in Northeastern Pennsylvania with his wife, Chelsey, and their four children. His personal interests include adventure sports, biking, golfing, music, and spending time with his family.

Terry Swartzentruber is a financial advisor with Morgan Stanley in Scranton, PA, holding a Series 66 designation and possessing 26 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and concurrently with Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools such as Global Investment Committee return estimates and Monte Carlo simulations as part of its advisory process.

Elizabeth Cordiano is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. She has been with Wells Fargo Clearing since 2016, following a brief tenure at WELLS FARGO Advisors, LLC earlier that year. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Edward Jenkins is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 35 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously 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 services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Colin Dwyer is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Grove Point Investments and H.Beck, Inc. His background also includes operating John J. Dwyer Jr. Financial Services, which provides tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and various investment strategies.

Karen Bieniecki is a financial advisor with Morgan Stanley in Scranton, PA, holding a Series 66 designation and 25 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs, including tailored financial planning supported by its Financial Advisors and Estate Planning Strategies Group.

Timothy Rose is a financial advisor with Morgan Stanley in Scranton, PA, holding Series 63 and Series 65 licenses and 32 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes tailored financial planning through structured discovery conversations and firm-approved planning tools while managing approximately $2.74 trillion in client assets.

William Bender II is a financial advisor with Wells Fargo Advisors based in Scranton, PA, holding a Series 66 designation and 20 years of industry experience. His prior experience includes roles at Wells Fargo Clearing Services LLC, Bank of America, NA, and Merrill. He is also a 25% owner of 1856 Capital Partners LLC, an investment-related business. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning services, including niche areas such as business-owner transition and special-needs planning, delivering tailored recommendations using proprietary research and planning tools.

James Anderson is a financial advisor with LPL Financial holding a Series 66 designation and one year of industry experience. His prior roles include positions at OSAIC, Abington Financial Group, Sagepoint Financial, Christian Saunders Real Estate, and John J Dwyer Jr Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.