Jeffrey Ruffing is a financial advisor at OSAIC with 20 years of industry experience. He holds the Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 10 years. In addition to his advisory role, he acts as an insurance agent offering various health, disability, and life insurance products, and is the sole owner of Ruffing Financial Services LLC, an entity used for business expense management. OSAIC serves a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services with an investment approach utilizing asset-allocation tools, risk-tolerance assessments, and access to third-party money managers and managed account solutions.

Shane Downey is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Mr. Downey earned a Bachelor's Degree from the United States Military Academy and a Master's Degree from George Mason University.

Julie Heckmann is a Wealth Management Advisor at Merrill Lynch Wealth Management with nearly three decades of experience in the industry. She specializes in retirement planning and focuses on creating sustainable retirement income strategies and structuring portfolios around these objectives. Julie's approach integrates clients' values and objectives to align financial planning with their life goals. She holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Investment Management Analyst® (CIMA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Income Certified Professional® (RICP). Julie earned her bachelor's degree from Grove City College. Her expertise supports the development of custom income solutions that are resilient to market volatility and sophisticated portfolio strategies. In addition to her professional work, Julie is involved in community service with the Westmoreland County Food Bank. She enjoys cooking, bicycling, traveling, and spending time with her family.

Ryan Hutchison is a financial advisor at Edward Jones with 29 years of industry experience. He has been with Edward Jones since 2004. He holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, including a broad range of households and corporate entities. The firm manages approximately $1.01 trillion in assets through a large network of financial advisors and branch offices, offering a variety of advisory strategies and affiliated investment products under a fiduciary standard.

John Duncan Jr. is a Series 65-licensed financial advisor with Cambridge Investment Research Advisors, bringing 15 years of industry experience. He has been affiliated with Cambridge since 2013 and has operated Duncan Insurance Group since 1983. Outside of advising, he serves on multiple local boards including the Norwin Chamber of Commerce and is president of the Norwin Public Library Board of Trustees. Cambridge Investment Research Advisors serves a diverse client base with financial planning, investment management, retirement plan advisory, and financial wellness services delivered through a network of independent financial professionals. The firm offers a range of investment programs and model-based strategies with discretionary and non-discretionary options tailored to client goals.

David Alderson Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. His prior roles include positions at Robert Baird & Co. and Hefren-Tillotson, Inc. He operates several affiliated advisory entities under LPL Financial, including The Alderson Group at YTS Wealth Management. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, and institutions. The firm offers various advisory programs and services, utilizing model portfolios, third-party subadvisors, and advanced technologies to support discretionary and non-discretionary management.

Patrick McGrogan is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. His prior roles include positions at Prudential Insurance Company of America, Pruco Securities, LLC, MassMutual Life Insurance Company, and METLIFE SECURITIES Inc. He is also involved as a principal in The Rock Financial Services Westmoreland LLC, an entity formed to manage shared business expenses such as office leasing and related costs. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management arrangements, and a range of brokerage and insurance products.

Edward Kavo is a CFP® professional with 49 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2011. He is based in Irwin, PA, and holds a Series 63 designation. Outside of his advisory work, he serves as a board member for the Christ United Methodist Church Prime Time group in Bethel Park, PA. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, utilizing multiple portfolio management platforms and providing both proprietary and third-party investment strategies.

Shannon Mccarey is a financial advisor at Morgan Stanley in Monroeville, PA, holding a Series 66 designation with 18 years of industry experience. She has worked at Morgan Stanley and its Private Bank since 2017 and previously spent nine years with Federated Investors and its affiliated entities. 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, and manages approximately $2.74 trillion in client assets.

Joseph Figurelli is a financial advisor at Ameriprise with eight years of industry experience. He holds a Series 66 designation and has worked at Ameriprise since 2018, following two years at EY. Outside of his advisory role, he co-owns and manages operations for a tax preparation business, Tax Man Joe LLC. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering specialized retirement income planning focused on tax-aware withdrawal strategies and dependable income sources. The firm integrates proprietary research and third-party data in its recommendations, with an emphasis on clients meeting specific asset criteria and utilizing Ameriprise-managed assets.

Michael Spiller is a financial advisor with LPL Financial in Monroeville, PA, holding a Series 66 designation and one year of industry experience. Prior to his current role, he worked at CVS Health for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting supported by research and model portfolios.

Anthony Figurelli is a financial advisor with Ameriprise, holding a Series 66 designation and 12 years of industry experience. He has been with Ameriprise and its affiliate since 2013. Outside of advisory work, he holds ownership in a business called Zipmia, LLC, established for estate planning purposes. Ameriprise provides a retirement-income planning service targeted at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to generate written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Timothy Weishorn is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 license and bringing 27 years of industry experience. He previously worked at LPL Financial and Wells Fargo Advisors. He serves as a non-profit board member of the Pineview Condo Association in Greensburg, PA. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers tailored, non-discretionary advisory services using risk profiling and modeling tools, and it maintains a unique affiliation with a municipal advisor to support its public finance work.

Robert Glatt is a financial advisor at LPL Financial with 37 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Waddell & Reed, Inc. and various insurance carriers. His experience includes insurance sales and related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services, with both discretionary and non-discretionary management options.

Mauricio Sanchez Rodriguez is a financial advisor at Ameriprise with a Series 66 designation and three years of industry experience. Prior to joining Ameriprise in 2022, he held positions at Seven Springs Mountain Resort and Saint Vincent College. Outside of his advisory role, he works as an independent contractor delivery driver for DoorDash. Ameriprise is a large institutional firm that offers a retirement-income planning service for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary recommendations delivered through a centralized consulting team.

Chad Ferri serves as the Resident Director at Merrill, where he and his team provide a comprehensive range of financial advisory services. His role focuses on working with individuals and families to simplify their financial lives, optimize resources, and build successful futures. Chad aims to establish deep and genuine connections with his clients, becoming a primary point of contact for their financial endeavors. Chad began his career at Merrill in 2019 as an intern with the McLaughlin-Heckmann Team. He spent time in the downtown Pittsburgh office working with multiple financial advising teams across the market, developing client and account servicing skills. He returned to Greensburg and joined the Financial Advisor Program in 2022 to deepen relationships with clients and expand connections with prospective clients. His expertise includes family wealth management strategies, personal retirement planning, and retirement income. A 2019 graduate of Saint Vincent College, Chad holds a Bachelor of Science degree in Finance – Investment Management. He carries the Personal Investment Advisor (PIA) professional designation and participates in the Saint Vincent College Alumni Council. Outside of work, Chad enjoys traveling, boating, spending time with his nephews, and caring for his houseplant collection.

Brian Fetsco is a financial advisor with Mass Mutual Investors Services in Greensburg, PA, holding Series 65 and Series 63 credentials and possessing 21 years of industry experience. He has been with Mass Mutual Investors Services and the MassMutual Life Insurance Company since 2014. Outside of his advisory role, he is also a licensed insurance agent specializing in life, health, group life, group health, disability insurance, and annuities. Mass Mutual Investors Services operates as a broker-dealer and SEC-registered investment adviser providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm delivers ongoing, collaborative financial planning engagements using firm-approved tools, offering a range of investment and event-driven planning services.

Stephen Small is a financial advisor with Equitable Advisors in Jeannette, PA, holding a Series 66 designation and eight years of industry experience. He has been with Equitable Advisors since 2017 and previously worked with AXA Advisors, LLC. Outside of his advisory work, he serves as treasurer for Ligonier Lodge 331 F&AM and consults for Marc Jacobsen & Associates. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporate, charitable, and institutional clients. The firm offers financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs, relying heavily on LPL-sponsored programs and endorsed third-party managers to deliver advisory and brokerage solutions.

Chad Rosensteel is a financial advisor with Edward Jones in Greensburg, PA, holding the ChFC® designation along with Series 63 and Series 66 licenses. He has 25 years of industry experience, including two years at Allstate Insurance Co before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with more than $1 trillion in assets under management. The firm offers a variety of advisory programs and investment strategies, operating under a fiduciary standard and supported by a nationwide network of approximately 23,701 financial advisors.

Benjamin Bagnato is a CFP®-certified financial advisor with 11 years of industry experience. He is currently affiliated with Mass Mutual Investors Services and previously worked with Northwestern Mutual in various capacities from 2014 to 2024. Bagnato also operates BFB Resources, LLC, through which he provides financial planning and advising services. Mass Mutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals—including high-net-worth clients—business owners, trusts, estates, charitable organizations, and employers. The firm offers asset management, wrap and money-manager programs, and educational seminars, structuring financial planning as annual, collaborative engagements using firm-approved analytical tools.