Lindsey Borgese is a CFP® professional with 21 years of industry experience, currently affiliated with LPL Financial. Her career includes roles at Cetera and Ameriprise, among others. Outside of financial advising, she serves as co-president of the Marlborough Elementary School Parent-Teacher Fundraising Society. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various portfolio programs, supported by technology and a broad platform of non-advisory financial activities.

Philip Boyer is a financial advisor at Morgan Stanley with 27 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank since 2015, with prior roles at Morgan Stanley Smith Barney, Citigroup Global Markets, and Legg Mason Wood Walker. Outside of his advisory work, he owns and manages a rental property in Baltimore. Morgan Stanley Wealth Management offers a broad range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process supported by firm-approved tools and advisory oversight.

Brandon Skupski is a financial advisor with LPL Financial, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at J Alden Associates, Alden Capital Management, Triad Hybrid Solutions, Triad Advisors, Wells Fargo Clearing, Morgan Stanley, and Citigroup Global Markets. He is based in Collegeville, PA. 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 asset management solutions through a large network of investment adviser representatives, emphasizing both discretionary and non-discretionary strategies supported by advanced operational tools.

Jennifer Connolly is a financial advisor at Cetera with eight years of industry experience. She holds Series 66 and Series 63 licenses and has worked previously at firms including RKL Wealth Management LLC and Avantax Investment Services. Connolly provides comprehensive financial planning services through Johanson & Yau. Cetera Investment Advisers LLC is a large SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform, managing over $256 billion in assets with more than 10,000 advisors nationwide.

Graig Nickel is a CFA® charterholder with 19 years of industry experience. He is currently an advisor at LPL Financial and has previously worked at Next Financial Group, Inc., The Vanguard Group, Inc., and Blackrock Investment Management, LLC. Outside of his advisory role, he is involved with Mr. Max Bagels and BRIGG's Contracting & Services, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, and supports its advisors with a variety of platform tools and institutional programs.

Joseph Lo Stracco is a financial advisor at Cetera with eight years of industry experience and holds the Series 66 designation. His prior roles include positions at Voya Financial Advisors and Kalejta Financial Management. He is also involved with Flagship Financial, a financial services firm. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that includes discretionary and non-discretionary program options.

Matthew Cappelletti Jr. is a financial advisor with LPL Financial who holds a Series 63 designation and has 23 years of industry experience. He has worked at LPL Financial since 2006 and previously at Cappelletti Pinter & Co PC for 31 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a wide range of advisory and brokerage services, including financial planning and access to model portfolios, third-party asset management, and institutional platforms.

Anthony Kidron is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His prior roles include positions at Wells Fargo Clearing Services LLC and The Vanguard Group, Inc. Outside of his advisory work, he is involved with Surgeons Capital Management. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm employs a range of third-party advisory models and offers ERISA fiduciary services while integrating proprietary and third-party solutions.

Christopher Mueller is a CFP® professional with 14 years of industry experience. He currently serves as a financial advisor at LPL Financial and has previously worked at Commonwealth Financial Network, Spring Ridge Financial Group, and PricewaterhouseCoopers LLP. Outside of his advisory role, Mueller is involved with a tax preparation service through CM Tax Consultants LLC. LPL Financial is a national broker‑dealer and SEC-registered investment adviser providing financial planning, model portfolios, third-party asset management, and institutional platforms to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisory representatives with a range of investment strategies and operational tools while overseeing more than $819 billion in discretionary assets.

Jennifer Guthier is a financial advisor at Morgan Stanley with Series 63 and Series 65 credentials and 32 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Citigroup Global Markets since 2006. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning that utilizes structured discovery and firm-approved planning tools.

Derrick Arnold is a CFP®-certified financial advisor with nine years of industry experience, currently practicing at OSAIC. His prior roles include positions at Royal Alliance Associates, Citizens Securities, CUSO Financial Services, and Citadel FCU. Outside of advisory work, he is involved in insurance sales through Bala Financial Group and assists with tax preparation at Phoenix Tax Consultants. OSAIC serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporations, offering a broad range of brokerage and advisory services. The firm employs a model-based investment approach with portfolio optimization tools and supports multiple account structures and third-party strategies.

Emil Barretta is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Fidelity, he worked at The Vanguard Group and has experience in diverse roles including military service with the US Army Reserve. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Douglas Hepburn is a CFP® professional with 29 years of industry experience, currently with Cetera, where he has worked since 2013. He is president of Financial Workshops LLC, a financial education business, and founder and executive director of Lower Providence Jr Trap, a youth sports team organization. He also serves as an estate executor and holds a role as an insurance agent. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager investment platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

James Geosits II is a financial advisor at Merrill with seven years of industry experience. He holds the Series 66 designation and previously worked at Bayshore Ford from 2016 to 2019. Outside of his advisory role, he is involved in manufacturing and selling soap through an LLC and has experience buying and selling used automobiles through separate business ventures. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm provides model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Darryl Benfield is a financial advisor with LPL Financial in Reading, PA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. He has been with LPL Financial since 2012 and is also affiliated with Wyndham Advisors, LLC, where he has been involved since 2003. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services supported by advanced research and operational tools.

Anastasios Plevrakis is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill in 1999 following his graduation from Pennsylvania State University and has since focused his practice on portfolio construction and retirement planning. His approach involves developing personalized financial strategies tailored to each client's goals, emphasizing capital accumulation, retirement planning, and income distribution. Plevrakis holds the Chartered Retirement Planning Counselor™ (CRPC) designation earned in 2008, as well as the Personal Investment Advisor (PIA) credential. He collaborates with his clients' CPAs and attorneys to address income tax minimization and estate and inheritance tax considerations as part of a comprehensive retirement planning process. He maintains a commitment to providing ongoing counsel and service to enhance client relationships throughout retirement. Born and raised in Berks County, Pennsylvania, Plevrakis currently resides in Wernersville, PA, with his wife Allison and daughter Ariana. In addition to his professional work, he dedicates time to volunteering in the community. His personal interests include spending time with family, playing tennis, and traveling.

Anthony Nicolai is a CFP® professional with 27 years of experience in the financial services industry. He has worked at OSAIC since 2018 and previously spent 19 years at Signator Investors, Inc. and John Hancock Mutual Life Insurance Company. Nicolai is also involved in insurance brokerage focused on health and group benefits. OSAIC Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering both brokerage and advisory services. The firm utilizes a model-based investment approach emphasizing asset allocation and portfolio optimization, supported by various managed account programs and alternative investment options.

Ethan Miller is a financial advisor with LPL Financial holding a Series 66 designation. He has two years of industry experience and has worked with Skyline Wealth Advisors and LPL Financial since 2024. Prior to entering the financial industry, he spent time at Lowes Hardware and completed his education at West Chester University of Pennsylvania. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of services including financial planning, model portfolio programs, and institutional platforms. The firm serves individuals, retirement plans, banks, and institutions, utilizing both proprietary research and third-party strategies across various investment approaches.

Thomas Nein is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. He holds Series 63 and Series 65 designations and has been with Wells Fargo Clearing since 2016. Outside of his advisor role, he acts as power of attorney for his mother. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to evaluate investment options and offers both brokerage and advisory solutions.

Austin Andrews is a financial advisor at Raymond James Financial with Series 63 and Series 65 licenses and three years of industry experience. Prior to joining Raymond James Financial in 2023, he held roles at Fulton Bank and Fulton Financial Advisors. Outside of his advisory work, Andrews has worked as an independent contractor for delivery services, including Amazon Flex and InstaCart. 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, corporations, and institutional clients. The firm emphasizes non-discretionary planning tailored to client goals and supports municipal and public-finance work through a unique affiliation with a municipal advisor.