David Smith is a CFP® with 33 years of industry experience and has been with Commonwealth Financial Network since 2003. He is based in Pen Argyl, PA, and holds the Series 63 designation. Outside of his advisory role, he provides tax preparation services and is president and sole shareholder of DJS Financial Services, LLC, an operating company for his securities business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs and services, including wealth management and retirement plan consulting. The firm provides operational, trading, technology, compliance, and practice-management support, enabling advisors to construct client portfolios from diverse securities and insurance products.

Joshua Espinoza is a financial advisor at Empower Advisory Group with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Morgan Stanley, E*TRADE, and Edward Jones. Outside of finance, he is involved in operating a fireworks display business. Empower Advisory Group provides financial planning and investment management primarily for employer-sponsored retirement plan sponsors and their participants, as well as select IRA and retail brokerage clients. The firm offers integrated services that combine financial plans with managed account solutions, emphasizing long-term portfolio returns and savings rates.

Kevin Gallagher is a financial advisor with Empower Advisory Group in Stroudsburg, PA, holding Series 63 and Series 65 licenses and eight years of industry experience. His work history includes positions at GWFS Equities, Inc. and Merrill. He also has a background that includes a role at Team 85 Fitness and Wellness and experience with Applied Energy Group and Rutgers University. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and participants, as well as to individual IRA and retail brokerage clients. The firm integrates planning and managed account solutions with Empower’s recordkeeping and administrative platforms, delivering services that focus on long-term portfolio returns and client savings rates.

Mary Reid is a financial advisor at Citigroup Global Markets with 11 years of industry experience. She holds the Series 66 designation and has been with Citigroup since 2001. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and execution services. The firm employs multi-asset, multi-manager strategies and combines large institutional scale with unique market roles such as acting as a swap dealer and futures commission merchant.

Mary Beth Donas is a CFP®-certified financial advisor with 29 years of industry experience. She is currently with Private Advisor Group, LLC and LPL Financial LLC, joining both firms in 2022. Her prior experience includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Outside of her advisory work, she is involved with Venjenz LLC, a business focused on human and pet supplements. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm employs a fiduciary-based model using a range of investment strategies and technology platforms, often implementing advice through third-party managers and turnkey asset management programs.

George Fahy III is a financial advisor at Ameritas Advisory Services, LLC with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at LPL Financial for 10 years. Ameritas Advisory Services, LLC provides investment advisory and financial planning services to a diverse client base, including individuals, retirement plans, charitable organizations, and corporate clients. The firm offers a variety of managed account programs and fee-based management of variable annuity and universal life subaccounts, supported by a range of custodial platforms and third-party tools.

Ralph Grauso is a financial advisor at Brookstone Capital Management LLC with 15 years of industry experience. He holds a Series 65 designation and has worked at the firm since 2014. He previously spent 11 years at Abundant Streams Capital Group and is the owner of American Senior Coordinators, a business that provides estate planning document services through an attorney. Brookstone Capital Management offers fee-based asset management and financial planning to individuals, retirement plans, corporations, trusts, and other business entities. The firm employs a range of investment strategies, including strategic and dynamic asset-allocation models, and serves as both a primary advisor and sub-advisor through its turnkey asset management platform.

Peter Gruppo is a financial advisor with Empower Advisory Group and holds Series 66 and Series 63 designations. He has two years of industry experience and previously worked at Wells Fargo Bank, Santander Securities, and United Ground Express. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage account holders. The firm integrates its services with Empower’s recordkeeping and administrative platforms, offering both point-in-time financial plans and optional managed account solutions.

Sarah Kayal is a CFP®-certified financial advisor with seven years of industry experience, currently associated with LPL Financial. She has worked at Raymond James Financial Services and First Hope Wealth Management, where she continues to maintain a role. 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 services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools and oversight of substantial discretionary assets.

Troy Smith is a financial advisor with Ameriprise in Pen Argyl, PA, holding Series 63 and Series 65 licenses and possessing 40 years of industry experience. His career includes over two decades at Cetera and its affiliates before joining Ameriprise in 2020. Ameriprise offers a retirement-income planning service targeting individuals with significant investable assets, providing written Recommendation Reports that address income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support its advisory approach, with a focus on assets held in Ameriprise-managed accounts.

William Newman is a financial advisor at Edward Jones with 18 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

David Colon Jr. is a financial advisor with Primerica Advisors in East Stroudsburg, PA, holding Series 65 and Series 63 registrations and two years of industry experience. He has a background that includes roles at PFS Investments Inc. and Better Tax Inc., where he serves as owner and tax consultant. Outside of his advisory work, he is involved in tax consulting through Better Tax Inc. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm uses model-driven strategies managed by third-party asset managers and supports account custody through Pershing, focusing primarily on individual investors rather than institutional portfolios.

John Sobrinski is a financial advisor with LPL Financial holding the ChFC® designation and Series 63 and 65 licenses. He has 42 years of industry experience, including prior roles at Cadaret, Grant & Co., Inc. and Triad Advisors Inc. He is also involved in managing real estate rental activities through several family-related entities. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered primarily by investment adviser representatives using a range of strategic and tactical investment options.

John Gisolfi is a CFP® with 39 years of experience in the financial services industry. He has been with Raymond James Financial and its related entities since 1993, currently operating out of Bangor, PA. Outside of his advisory role, he is an insurance agent involved with Pacific Life policies. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, corporations, and institutional investors. The firm emphasizes tailored, non-discretionary planning and consulting using various analytical tools and supports its offerings with specialized programs and institutional expertise.

Patrick Denman is a financial advisor with Cetera who holds Series 63 and Series 65 licenses and has 14 years of industry experience. He has worked at Avantax Advisory Services and other affiliated firms before joining Cetera in 2025. Outside of his advisory work, he owns an accounting and tax preparation business and serves on the board of the National Wrestling Coaches Association. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with multiple program options, including model portfolios, third-party managers, and bespoke strategies.

Jeffrey Weekes is a financial advisor with Morgan Stanley, holding a Series 63 designation and over 40 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets. He serves as a board member for the College for Financial Planning and is a member of the Public Policy Council for the CFP Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by proprietary tools and market analysis.

Nicole O'Malley is a Series 66-registered financial advisor with Morgan Stanley, based in Stroudsburg, PA, with 17 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she owns Empowered Wellness Solutions, a business focused on Kambo, natural products, and related activities. Morgan Stanley Wealth Management is a large institution serving individual and institutional clients, offering a range of advisory programs and financial planning services supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides both direct and employer-sponsored financial plans.

Patrick Boran is a financial advisor with Ameriprise in Nazareth, PA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at ESSA Bank & Trust and Cetera Investment Services LLC. Outside of his advisory work, he coaches the 2013 girls soccer team for Lehigh Valley United. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored recommendation reports delivered through a centralized consulting team.

Roger Berger is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and bringing 27 years of industry experience. His career includes roles at Nationwide Securities Inc., William Merluzzi Agency, and The Hershey Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a large network of advisors. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional programs.

James Dunn Jr. is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 27 years of industry experience. He has been affiliated with Linsco/Private Ledger Corp. since 2004. Outside of his advisory work, he operates Dunn Wealth Management as a DBA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers diverse investment options including model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.