Lacey Kozik is a financial advisor at Morgan Stanley with 20 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a broad range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools, including Monte Carlo simulations, to support financial planning outcomes.

Daniel Ash is a financial advisor with Primerica Advisors in Hellertown, PA, holding Series 63 and Series 65 licenses and having nine years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 2016 and is also affiliated with The Perkiomen School since 2010. Outside of his advisory role, he is involved in real estate development through True Community Development. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, which offers model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Gregory Baro is a financial advisor with Morgan Stanley in Flemington, NJ, holding Series 63 and Series 65 credentials and bringing 33 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 that offers a variety of advisory programs to individuals and institutional clients, including tailored financial planning supported by a structured process and advanced modeling tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial planning services.

Michelle Bartosik is a Series 66-licensed financial advisor with Merrill, based in Flemington, New Jersey, and has 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006 and with Bank of America, N.A. since 2011. Outside of her advisory role, she coaches gymnastics part-time for a family business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Jade Clark is a CFP® professional with six years of industry experience, currently affiliated with Cetera. She has held positions at firms including Z Wealth Management and Allied Wealth Partners. Outside her advisory role, Clark assists an elderly neighbor with mail organization and household tasks. Cetera is an SEC-registered adviser serving individual, corporate, retirement plan, and institutional clients through a nationwide network of independent advisors. The firm offers a broad range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Alexander Price is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He has been with Equitable Advisors since 2015, following five years at Axa Advisors, LLC. Outside of his advisory work, he is a member of the Rotary Club of the Pocono Mountains and serves as a club representative for Boy Scout Troop 89. Equitable Advisors serves a diverse client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and asset management through a network of Investment Adviser Representatives and third-party program sponsors. The firm emphasizes tailored investment models and fiduciary services, relying on external program managers rather than proprietary wrap fee programs.

Joseph Connell is a CFP®-certified financial advisor with 10 years of industry experience, currently affiliated with OSAIC since 2021. Prior to joining OSAIC, he worked at CAPTRUST Financial Advisors and Strategic Advisor Group. Outside of his advisory role, Connell serves as treasurer for Touchstone Theatre, a nonprofit focused on underserved youth, and sits on the board of the St. Anne Educational Endowment Fund. OSAIC Wealth serves a diverse clientele including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an emphasis on model-based asset allocation, portfolio optimization, and access to various third-party investment programs across a multi-advisor platform.

Neil Altshuler is a CFP® professional with 27 years of industry experience, currently affiliated with LPL Financial since 2022. His prior roles include positions at Securities America Advisors and National Planning Corporation. In addition to his advisory work, he is involved with BKC CPAs, PC, a tax preparation and accounting firm. 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, including model portfolios, third-party asset management, and institutional platforms.

Louis Nemeth Jr. is a financial advisor at LPL Financial with 40 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Grove Point Advisors, LLC, Grove Point Investments, LLC, and Transamerica Financial Advisors. Outside of advisory work, he has an ongoing involvement with Transamerica Life Insurance Co. in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a network of more than 22,800 advisors. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Robert Claussen is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 44 years of industry experience. His prior roles include positions at Cetera Wealth Services, Nationwide Securities, and 1717 Capital Management Company. He also works as an independent broker selling group health insurance through providers such as Horizon Blue Cross Blue Shield of NJ, Aetna, and Gerber Life. 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 and access to model portfolios, third-party asset management, and institutional platforms.

Jennifer Ramphal is a financial advisor at Morgan Stanley with 18 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients. The firm offers tailored financial planning through its Financial Advisors and Estate Planning Strategies Group and manages approximately $2.74 trillion in client assets.

Lloyd Jones is a financial advisor with Edward Jones, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. He has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and corporate entities. The firm manages approximately $1.01 trillion in assets under management through a broad network of financial advisors and branch offices and offers a range of advisory strategies under a fiduciary standard.

Gavin Carey is a Series 66 licensed financial advisor with Equitable Advisors, where he has worked since 2019. He has seven years of industry experience and has held roles at firms including Richards, Meli & Associates and various service positions. Outside of his advisory work, Carey serves as an assistant coach for the Lehigh Valley Phantoms youth ice hockey team. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers financial planning, retirement plan consulting, and asset management programs delivered through a network of Investment Adviser Representatives and partnerships with third-party asset managers.

Robert Godown Jr. is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored planning services.

Lois Tubbs is a financial advisor with Merrill in Flemington, NJ, holding Series 63 and Series 66 licenses and having 10 years of industry experience. She has previously worked at Morgan Stanley Private Bank and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

William Leach is a Series 66-credentialed financial advisor with 21 years of industry experience. He has been with Thrivent Investment Management and Thrivent Financial for Lutherans since 2010. Outside of his advisory role, he leads a small group prayer ministry for fathers called Dads in Prayer, which focuses on providing spiritual leadership resources and support. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm provides holistic, goal-based planning without discretionary trading authority and combines planning with managed-account programs under a consolidated billing option called “WealthPlan.”

Justine Frantz is a financial advisor with Equitable Advisors in Bethlehem, PA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She previously worked at Axa Advisors, Santander Securities, and Santander Bank. She also maintains an other business activity outside of Equitable Advisors through Ockland Wealth. Equitable Advisors serves a range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes both proprietary and third-party advisory programs and emphasizes client-specific risk assessment and model matching.

Scott Brantingson is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. Prior to joining Raymond James in 2018, he worked for Wells Fargo Advisors for 10 years. He is also the managing partner of Monocacy Wealth Partners. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports municipal and public finance work through a unique municipal advisor affiliation.

Joseph Carty is a financial advisor at Edward Jones with 34 years of industry experience. He holds a Series 66 designation and previously worked at Weeden and Company for 36 years before joining Edward Jones in 2023. His earlier roles include positions at NYLIFE Securities, LLC and New York Life Insurance Company. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Jonathan Cohen is a financial advisor at Merrill with 12 years of industry experience. He holds a Series 66 designation and has been with Merrill and Bank of America since 2015. In addition to his advisory role, he serves as a soldier in the US Army National Guard. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.