Nadine Bartkowski is a CFP®-certified financial advisor with Ameriprise, bringing 17 years of industry experience. She has worked with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she is a stockholder in Idle Hour Realty, a family-owned business operating two bowling alleys in Pennsylvania. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides tailored written recommendations and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Kurt Kushner is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at LPL Financial since 2018. His prior experience includes roles at Nationwide Financial Network, Nationwide Securities, LLC, and Nationwide Insurance Company spanning from 1998 to 2018. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Thomas Tulaney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He takes a disciplined approach to financial advising, beginning by understanding his clients' families, financial situations, and priorities. Thomas holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He earned a Bachelor's Degree from King's College.

Cory Melisky is a financial advisor with Morgan Stanley in Scranton, PA, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Ameriprise Financial Services and Bank of America. Melisky has been with Morgan Stanley and its Private Bank since 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and offers planning using firm-approved tools and methodologies without providing individual security recommendations as part of its standalone planning program.

Laura Bullock is a financial advisor with Raymond James & Associates based in Factoryville, PA. She holds Series 63 and Series 66 licenses and has 23 years of industry experience. Her career includes roles at MassMutual, M&T Securities, and multiple Raymond James entities since 2021. Raymond James & Associates, Inc. is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, pension and profit-sharing plans, charitable organizations, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Judith Graham is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2015, following prior roles at Janney Montgomery Scott and Citigroup Global Markets. 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. The firm offers model-based and discretionary investment strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Janice Perry is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 23 years of industry experience. She has worked with Cetera Investment Advisors LLC and Cetera Investment Services LLC since 2014 and has been associated with First National Bank of PA since 2009. Outside of her advisory role, she is involved in fixed life insurance sales independent of Cetera and is eligible to receive referral fees from a trust department. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services and operates a multi-manager platform providing diverse investment program options.

Thomas Occhipinti is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has worked within Morgan Stanley Private Bank, N.A. since 2026. His prior roles include positions at Pontera, Pump.co, and the Native American Agriculture Fund. Morgan Stanley Wealth Management serves individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Its financial planning approach utilizes firm-approved tools and modeling techniques, providing advisory services without individual security recommendations as part of standalone plans.

Mark Zakoski is a financial advisor with LPL Financial based in Dunmore, PA, holding Series 63 and Series 65 credentials and 33 years of industry experience. He has been affiliated with LPL Financial and Peoples Security Bank & Trust since 2016 and previously worked at OSAIC Institutions, Inc. and Uvest Financial Services Group, Inc. Zakoski also serves as Executive Vice President of Peoples Security Bank and Trust Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Mark Sutherland is a financial advisor at Mass Mutual Investors Services with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at METLIFE SECURITIES Inc for 17 years. Outside of his advisory work, he serves as a high school soccer coach. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers collaborative, goal-oriented planning and a range of investment programs.

Jude Leibman is a Wealth Management Advisor with the EH&L Group at Merrill Lynch Wealth Management. He joined Merrill in 2000 and has over two decades of experience in helping clients navigate market volatility and achieve their financial goals. Jude specializes in investment analysis, asset management, and portfolio construction, focusing on tailored strategies that align with clients' risk tolerance, liquidity needs, and long-term objectives. Jude holds several professional credentials including the Certified Investment Management Analyst (CIMA) designation from the Investments & Wealth Institute™, and the Chartered Retirement Planning Counselor (CRPC) certification awarded by the College for Financial Planning. He also holds the Personal Investment Advisor (PIA) designation. His educational background includes a High School Diploma/GED from Pittston Area. Residing in West Pittston, Pennsylvania with his wife Leslie and their son Curtis Jude, Jude is engaged in community activities and enjoys spending time with his family. His personal interests include football, golfing, ice hockey, music, and swimming.

Madison Sickler is a Financial Advisor with Merrill Lynch Wealth Management. She works with clients to develop financial strategies tailored to their individual needs. Madison brings her expertise to her advisory role, supporting clients in managing their wealth and planning for their financial futures. She holds a Bachelor's Degree from Pennsylvania College of Technology.

Kimberly Santarsiero is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 27 years of industry experience. She worked previously at Wells Fargo Advisors and Wells Fargo Clearing before joining LPL Financial in 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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 a variety of strategies and technology tools to support its network of over 22,000 advisors.

Joseph Aliciene Jr. is a financial advisor with Cetera, holding Series 63 and Series 65 designations and over 26 years of industry experience. He has extensive experience in accounting and tax preparation, owning and managing multiple related businesses including Aliciene Tax & Financial Solutions LLC and Downs & Aliciene Accountants and Financial Service. Aliciene also serves as treasurer for the Slocum Estates Homeowners Association and is a board member of the Wyalusing Chamber of Commerce. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with diverse portfolio management and financial planning options, supporting both discretionary and non-discretionary account management.

John Sweeney Jr. is a financial advisor with Morgan Stanley in Scranton, PA, holding a Series 66 designation and 25 years of industry experience. He has previously worked at Wells Fargo Advisors and Wells Fargo Clearing. Sweeney serves on the Board of Trustees and Finance Committee at the University of Scranton. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by proprietary tools and global market analyses.

John Tosi is a Series 66-credentialed financial advisor with 25 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 10 years with Wells Fargo Advisors Financial Network LLC. Outside of advisory work, he is involved in coin collecting and operates a small agricultural business, Tosi Farms. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Vincent Kubilus III is a financial advisor with LPL Financial in Dunmore, PA, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with LPL Financial since 2016 and also serves as an AVP and financial advisor at Peoples Security Bank & Trust and Peoples National Bank. 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, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and technology tools.

Christopher Di Mattio is a financial advisor at Merrill with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Invest Financial Corporation for 21 years. Di Mattio is actively involved in several nonprofit organizations, including serving as President of La Festa Italiana, a cultural event in Scranton, and holding leadership roles with local charitable foundations and educational institutions. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers model-based and discretionary investment strategies constructed by internal and third-party teams, with features including strategic asset allocation and tax-aware options.

Timothy Lavelle is a financial advisor with Mass Mutual Investors Services, holding Series 63 and Series 66 designations and bringing 23 years of industry experience. His prior roles include positions at NYLIFE Securities LLC and Mass Mutual Life Insurance Company. He has also been involved with LIFS Enterprises, LLC since 2006. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that provides ongoing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers, using firm-approved software and collaborative, annual planning engagements.

William Mcandrew is a financial advisor with LPL Financial in Dunmore, PA, holding Series 63 and Series 66 credentials and having 33 years of industry experience. His prior firms include INVEST Financial Corporation, Pfic Advisors, Inc., and Vision Asset Management Inc. 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, including financial planning, model portfolios, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.